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Review of unpaid carer debts announced after Sayce Report
Thousands of unpaid carers will have their cases reassessed after an official review found they had been left with huge debts caused by systemic failures.
The Sayce review found between 2015 and the summer of 2025, the official Carer's Allowance guidance was "unclear" and "ill-defined" - preventing many carers from properly reporting their earnings.
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Unpaid carers who look after loved ones for at least 35 hours a week can claim £83.30 a week in Carer's Allowance, as long as their weekly earnings stay under £196.
But under a so-called "cliff-edge" earnings rule, anyone who exceeds this limit by as little as 1p must repay that entire week's carer's allowance.
The Department for Work and Pensions (DWP) also levies a £50 penalty on anyone who fails to properly declare a change in their earnings.
The law allows income to be "averaged" over time, but Ms Sayce found "broadly drawn" regulations led to multiple interpretations by both Department for Work and Pensions (DWP) and the courts.
As a result, carers who worked irregular hours or received variable wages often assumed their income could be averaged, but were instead fined by DWP.
In her report Ms Sayce said "this wasn't wilful rule-breaking - it simply wasn't clear what earnings fluctuations carers should report".
The report found the DWP also largely failed to warn carers in time when they went over the earnings limit, meaning overpayments in some cases were allowed to accumulate "for months or years" before unwitting carers were handed huge bills.
In a statement on 25 November 2025, the Department for Work and Pensions said it will set out details on how and when it will begin reassessing cases, and potentially cancel or repay debts, in due course.
Information provided by a partner organisation and therefore in English only.
The Young Carers Covenant
The Young Carers Covenant is a UK-wide commitment to young carers and young adult carers. It sets out ten key outcomes that young carers from across the UK have said are key to improving their lives.
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Any organisation or individual in a position to take action to help achieve these outcomes is urged to sign up to the Covenant. They could be national governments, local authorities, schools, colleges as well as parliamentarians across the UK.
It was drawn up by Carers Trust and members of the Young Carers Alliance. The Young Carers Covenant was launched on Young Carers Action Day 2024.
For more information, please contact Andy McGowan, Policy and Practice Manager (Young Carers and Young Adult Carers) at Carers Trust – amcgowan@carers.org
Adferiad – Unpaid Carer Group
If you are an unpaid carer supporting someone with a mental health condition, anyone is invited to attend our group sessions. You do not need a referral to join our monthly groups.
The next Meeting will be held on 17th December 2025 between 11am to 1pm, at Bridge Between Community Centre, Heol Y Llongau, Barry CF63 4AT.
The carers group is available to any unpaid carer providing support to someone with a mental health illness. Light refreshments are provided, and all are welcome.
For more information call: 07597 579 005
email: natalie.dyer@adferiad.org
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The Parents’ Voice – December 2025 Newsletter.
The Parents’ Federation latest newsletter is available to view and download.
The button below will navigate you to The Parents' Voice - December 2025:
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Warm Spaces
This is a network of community spaces that offer a warm and inviting place to come together at no cost.
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Carers Wales – Me Time Sessions
Thursday 11 December, 1-2pm: Getting the most out of your Carers Needs Assessments
Find out about Carers Needs Assessments - Your first step to getting support from your local authority. Learn what they are and how they’re undertaken, how to request one and prepare so that you get the most out of your assessment.
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Tuesday 16 December, 1-2pm: Carers Wales Christmas Quiz
Join us in our final Me Time session of 2025, with a Christmas quiz. This is a chance to have some fun, connect with others in similar situations, and have some festive fun.
Funded short breaks for unpaid carers in Wales
The Welsh Government (WG) has confirmed a significant investment of £15.75m over the next three-years to continue two vital schemes supporting unpaid carers.
The Short Breaks Scheme and Carers Support Fund provide a vital lifeline for thousands of carers across Wales. An announcement from WG on 5 November 2025, will see both schemes continued through to 2029.
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The Short Breaks Scheme enables unpaid carers of all ages to take personalised breaks from their caring responsibilities, including social outings, leisure memberships and hobby equipment. |
The following opportunities are funded by Welsh Government through the Cardiff and Vale Regional Partnership Board: |
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Thrive Cardiff - Holiday home offer for unpaid carers extended
Our Gower holiday home is being subsided for bookings made in December 25 or March 26 for those eligible for carer’s allowance.
We’re happy to announce that the grant has been extended up until 23 May 2026. Our short breaks run from Friday to Monday or Monday to Friday.
If you are interested in booking or want to know more, please email holidayhome@thrivecardiff.org
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Tuvida - Financial Wellbeing Service
Are you an unpaid carer in Cardiff or the Vale of Glamorgan facing financial hardship?
Support is available through the Financial Wellbeing Service.
To request help, email: financialwellbeingservice@tuvida.org
and include:
- Your name
- Your email address
- Which area do you provide care, Cardiff or the Vale of Glamorgan?
- Whether you need a grant, financial wellbeing support, or both.
Grant applications will reopen soon. Funding is limited, so please contact us as soon as possible.
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AP Cymru - Family Short Holiday Breaks 1 Nov 25/March 26
The Neurodiversity Charity has been successful in building positive partnerships with leisure organisations/well-being locations in Pembroke.
Breaks that use the power of nature to bring, rest, relaxation, friendships, enjoyment, new experiences and an opportunity to reconnect as a family & meet with other neurodivergent families, who understand the challenges faced daily.
If you are interested in booking or want to know more, please email: fundraising@apcymru.org.uk
AP Cymru - Short Breaks & Activities/Experiences Nov 25/March 26
The Neurodiversity Charity offers a wide selection of ‘short breaks’, activities, experiences & adventures for the family. AP Cymru provides safe spaces where the whole family can spend time together & breaks where parent/carers can focus on themselves.
If you are interested in booking or want to know more, please email: events@apcymru.org.uk
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If you currently receive carers’ information in the post, or if someone has forwarded this information on to you, we would be very grateful if you could provide an email address, so you do not miss out on opportunities to apply for funding or attend an appropriate training course, for example.
Note: If you have received this email from us, you do not need to provide your email address.
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Cyhoeddi adolygiad o ddyledion gofalwyr heb eu talu yn dilyn Adroddiad Sayce
Bydd achosion miloedd o ofalwyr di-dâl yn cael eu hailasesu ar ôl i adolygiad swyddogol ganfod eu bod wedi cael eu gadael â dyledion enfawr o ganlyniad i fethiannau systemig.
Canfu adolygiad Sayce, rhwng 2015 a haf 2025, fod canllawiau swyddogol y Lwfans Gofalwr yn "aneglur" ac yn "anniffiniedig" – gan atal llawer o ofalwyr rhag adrodd eu henillion yn gywir.
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Gall gofalwyr di-dâl sy'n gofalu am anwyliaid am o leiaf 35 awr yr wythnos hawlio £83.30 yr wythnos ar ffurf Lwfans Gofalwr, cyn belled â bod eu henillion wythnosol yn parhau i fod yn is na £196.
Ond o dan y rheol enillion "ymyl y dibyn", rhaid i unrhyw un sy'n mynd hyd yn oed 1c dros y terfyn hwn ad-dalu lwfans gofalwr cyfan yr wythnos honno.
Mae'r Adran Gwaith a Phensiynau (AGPh) hefyd yn rhoi cosb o £50 i unrhyw un sy'n methu â datgan newid yn eu henillion yn briodol.
Mae'r gyfraith yn caniatáu i incwm gael ei "gyfartaleddu" dros amser, ond canfu Ms Sayce fod rheoliadau "a luniwyd yn fras" wedi arwain at sawl dehongliad gwahanol gan yr AGPh a'r llysoedd.
O ganlyniad, roedd gofalwyr a oedd yn gweithio oriau afreolaidd neu'n derbyn cyflogau newidiol yn aml yn tybio bod modd cyfartaleddu eu hincwm, ond yn lle hynny cawsant ddirwyon gan yr AGPh.
Yn ei hadroddiad dywedodd Ms Sayce nad oedd y bobl hyn yn torri’r rheolau’n fwriadol – ond nid oedd yn glir pa amrywiadau mewn enillion y dylai gofalwyr eu hadrodd.
Canfu'r adroddiad fod yr AGPh hefyd wedi methu â rhybuddio gofalwyr mewn pryd pan aethant dros y terfyn enillion, gan olygu bod gordaliadau mewn rhai achosion wedi cronni "am fisoedd neu flynyddoedd" cyn i ofalwyr diarwybod dderbyn biliau enfawr.
Mewn datganiad ar 25 Tachwedd 2025, dywedodd yr Adran Gwaith a Phensiynau y bydd yn nodi manylion ynghylch sut a phryd y bydd yn dechrau ailasesu achosion, ac o bosibl yn canslo neu’n ad-dalu dyledion, maes o law.
Adferiad – Grŵp Gofalwyr Di-dâl
Os ydych chi'n ofalwr di-dâl sy'n helpu rhywun â chyflwr iechyd meddwl, mae croeso i chi ddod i’n sesiynau grŵp. Does dim angen atgyfeiriad arnoch i ymuno â'n grwpiau misol.
Cynhelir y cyfarfod nesaf ar 17 Rhagfyr 2025 rhwng 11am ac 1pm, yng Nghanolfan Gymunedol The Bridge Between, Heol y Llongau, Y Barri CF63 4AT.
Mae’r grŵp gofalwyr ar gael i bob gofalwr di-dâl sy'n rhoi cymorth i rywun sydd â salwch iechyd meddwl. Croeso i bawb, a bydd lluniaeth ysgafn ar gael.
I gael rhagor o wybodaeth ffoniwch: 07597 579 005
Ebost: . natalie.dyer@adferiad.org
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Llais y Rhieni – Newyddlen Rhagfyr 2025
Mae'r cylchlythyr diweddaraf gan Ffederasiwn yr Rhieni ar gael i'w gweld a'i lawrlwytho.
Bydd y botwm isod yn eich llywio i 'Llais y Rhieni' Rhagfyr 2025 (yn Saesneg yn unig).
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Mannau Cynnes
Rhwydwaith o fannau cymunedol yw hwn sy'n cynnig lle cynnes a gwahodd i ddod at ei gilydd heb unrhyw gost.
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Sesiynau Ar-lein Gofalwyr Cymru
Dydd Iau 11 Rhagfyr, 1-2pm: Manteisio i'r eithaf ar eich Asesiadau Anghenion Gofalwyr
Dysgwch am Asesiadau Anghenion Gofalwyr - Eich cam cyntaf i gael cefnogaeth gan eich awdurdod lleol. Dysgwch beth ydyn nhw a sut maen nhw'n cael eu cynnal, sut i ofyn am un a pharatowch er mwyn i chi gael y gorau o'ch asesiad.
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Dydd Mawrth 16 Rhagfyr, 1-2pm: Cwis Nadolig Gofalwyr Cymru
Ymunwch â ni yn ein sesiwn Amser i Fi olaf yn 2025, gyda chwis Nadolig. Dyma gyfle i gael hwyl, cysylltu ag eraill mewn sefyllfaoedd tebyg, a chael hwyl Nadoligaidd.
Seibiannau byr wedi'u hariannu ar gyfer gofalwyr di-dâl yng Nghymru
Mae Llywodraeth Cymru wedi cadarnhau buddsoddiad sylweddol o £15.75m dros y tair blynedd nesaf i barhau â dau gynllun hanfodol sy'n cefnogi gofalwyr di-dâl.
Mae'r Cynllun Seibiannau Byr a'r Gronfa Cymorth i Ofalwyr yn darparu llinell achub hanfodol i filoedd o ofalwyr ledled Cymru. Bydd cyhoeddiad gan LlC ar 5 Tachwedd 2025, yn gweld y ddau gynllun yn parhau hyd at 2029.
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Mae'r Cynllun Seibiannau Byr yn galluogi gofalwyr di-dâl o bob oed i gymryd seibiannau wedi'u personoli o'u cyfrifoldebau gofalu, gan gynnwys teithiau cymdeithasol, aelodaeth hamdden ac offer hobi. |
Mae'r cyfleoedd canlynol yn cael eu hariannu gan Lywodraeth Cymru drwy Fwrdd Partneriaeth Rhanbarthol Caerdydd a'r Fro: |
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Thrive Cardiff - Cynnig cartrefi gwyliau i ofalwyr di-dâl wedi'i ymestyn
Mae ein cartref gwyliau Gŵyr yn cael ei gymhorthdal ar gyfer archebion a wneir yn Rhagfyr 25 neu Fawrth 26 ar gyfer y rhai sy'n gymwys i gael lwfans gofalwr.
Rydym yn falch o gyhoeddi bod y grant wedi'i ymestyn hyd at 23 Mai 2026. Mae ein seibiannau byr yn rhedeg o ddydd Gwener i ddydd Llun neu o ddydd Llun i ddydd Gwener.
Os oes gennych ddiddordeb mewn archebu neu eisiau gwybod mwy, anfonwch e-bost at holidayhome@thrivecardiff.org
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Tuvida - Gwasanaeth Lles Ariannol
Ydych chi'n ofalwr di-dâl yng Nghaerdydd neu Bro Morgannwg sy'n wynebu caledi ariannol?
Mae cymorth ar gael drwy'r Gwasanaeth Lles Ariannol.
I ofyn am help, anfonwch e-bost at: financialwellbeingservice@tuvida.org
yn cynnwys:
- Eich enw
- Eich cyfeiriad e-bost
- Ymha ardal rydych chi'n darparu gofal ynddi yng Nghaerdydd neu Fro Morgannwg
- P'un a oes angen grant, cymorth lles ariannol, neu'r ddau arnoch
Bydd ceisiadau am grant yn ailagor yn fuan. Mae'r cyllid yn gyfyngedig, felly cysylltwch â ni cyn gynted â phosibl.
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AP Cymru - Seibiannau Gwyliau Byr i'r Teulu 1 Tach 25/Mawrth 26
Mae'r Elusen Niwroamrywiaeth wedi bod yn llwyddiannus wrth adeiladu partneriaethau cadarnhaol gyda sefydliadau hamdden/lleoliadau lles ym Mhenfro.
Seibiannau sy'n defnyddio pŵer natur i ddod â nhw, gorffwys, ymlacio, cyfeillgarwch, mwynhad, profiadau newydd a chyfle i ailgysylltu fel teulu a chwrdd â theuluoedd niwrowahanol eraill, sy'n deall yr heriau sy'n eich wynebu bob dydd.
Os oes gennych ddiddordeb mewn archebu neu os hoffech wybod mwy, anfonwch e-bost at: fundraising@apcymru.org.uk
AP Cymru - Seibiannau Byr a Gweithgareddau/Profiadau Tachwedd 25/Mawrth 26
Mae'r Elusen Niwroamrywiaeth yn cynnig dewis eang o 'seibiannau byr', gweithgareddau, profiadau ac anturiaethau i'r teulu. Mae AP Cymru yn darparu mannau diogel lle gall y teulu cyfan dreulio amser gyda'i gilydd a seibiannau lle gall rhieni/gofalwyr ganolbwyntio arnynt eu hunain.
Os oes gennych ddiddordeb mewn archebu neu os hoffech wybod mwy, e-bostiwch:
E-bost: events@apcymru.org.uk
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Os ydych chi'n derbyn gwybodaeth gofalwyr drwy’r post ar hyn o bryd, neu os oes rhywun wedi anfon y wybodaeth hon ymlaen atoch, byddem yn ddiolchgar iawn pe gallech ddarparu cyfeiriad e-bost, fel nad ydych yn colli cyfleoedd i wneud cais am gyllid neu fynychu cwrs hyfforddi priodol, er enghraifft.
Nodwch: Os ydych wedi derbyn yr e-bost hwn gennym ni, nid oes angen i chi ddarparu eich cyfeiriad e-bost.
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