Category Archives: customer service

Customer Service

The Patton Flyer – David & Goliath

I read the Patton Flyer death notice in the Irish Times on Saturday last and felt my heart sink. Yet another Irish business has smothered in red tape designed to exclude those who don’t toe the party line.

Trevor Patton – who I don’t know or ever met – started a Dalkey to Dublin Airport bus service about four years ago. Stopping in Glasthule, Dun Laoghaire, Minkstown and Blackrock he very quickly assembled a loyal following. He filled a gap in the market that nobody else seemed to want. His marketing campaign included beer mars distributed in pubs along the route. It worked and his friendly staff got to know many of his loyal following on a first name basis.

The familiar routine worked, they didn’t collect the fare from you until after the last pickup, it guaranteed a quick journey with minimal delays.

What was terribly sad and ironic was the fact that Mr Patton was denied a licence to run this service and in an act of the two fingered variety, Aircoach were awarded the route.

So Trevor Patton has closed his business and soon will be forgotten.

The Irish Times reports:

Fond farewell to the Flyer

FRANCES O’ROURKE – Irish Times

DAWN IS just beginning to break on an early morning in June as a clutch of people gather outside the Cuala GAA centre on Dalkey’s Hyde Road. At about 3.50am, a familiar grey bus emblazoned with red letters pulls up. A lithe young blonde leaps down to take our cases – the Patton Flyer is ready for its first run of the day to the airport.

But what’s this? A blue Aircoach sidles up nearby in the large parking bay. All 10 passengers waiting, myself included, spurn the new arrival. Like myself, they are declaring with their feet their loyalty to the hourly bus service from Dalkey to Dublin Airport that Trevor Patton started four years ago.

And now the Flyer’s gone, despite an ardent “Save the Flyer” campaign waged over the past year by Patton with support from customers. The writing was on the wall when the Department of Transport, which had refused from the get-go – for reasons that were never really publicly clear – to give Patton a licence, gave one to Aircoach to run on exactly the same Dalkey-to-airport route early this summer. The Sunday morning in June when I found myself completely alone on a Flyer back to the southside was a clear portent.

It’s hard to explain what a pleasure the Patton Flyer was for southsiders. Finally there was a choice between driving across the city to a long-term car-park somewhere near Drogheda with still another juddering bus journey to the airport or paying for a taxi that cost more than the flight.

A choice between the Dart/bus service that involved hauling bags over a railway bridge north of Kilbarrack to get on a bus or at best, getting a lift to Sandyford or Ballsbridge to get the Aircoach. Or, of course, getting a loyal family member to make the over hour-long return journey to drop you off.

Then came Patton, with his staff of friendly east Europeans hefting bags into the hold, filling the morning darkness (the lights on the Flyer were always very low) with soft chatter. It was reliable and at €7, there was no cheaper way to get to the airport. Not to mention how easy it made getting overseas visitors back to the house.

It may seem sentimental but I’ll miss the Flyer: there’s nothing wrong with Aircoach, but it seems unfair that a businessman who created a service where there was none and proved there was a demand for it should be put out of business by government.

Let’s hope that Aircoach doesn’t change Patton’s route too much (having already made a couple of changes), or hike up fares. Patton and Aircoach may not have been David and Goliath – but it feels unpleasantly as if it was.

Green policy will lead to job losses

You might have asked, “where is he?”, or like one comment suggesting that I had travelled to an Orange Parade and hadn’t returned or maybe you just didn’t notice but I have been quiet for the past four weeks.

Not even a squeak has been heard from this self opinionated correspondant.

Yes it’s the annual Dail Eireann summer holidays and this year in honour of our hard working public representatives I decided to load the taxpayer with expenses and take off. Problem is that as I’m not an elected representative I can’t claim for a new toaster and fifteen year old mobile phone car kits.

But that doesn’t mean that I’m not mad about a few things. Take the electricity hike, or public service levy. What a load of rubbish, why screw people for more when they clearly have less.

Of course a Green Minister signed off at that one. He might have self generated heat in his house with all the hot air he generates but mine needs mains electricity. And I now have to pay more.

The Evening Herald reported

Electric bills about to soar with two hikes in two months

Alan O’Keeffe – Evening Herald

HARD-pressed consumers and businesses are facing a double whammy of two electricity price rises within the next two months.

A new environmental levy will hit all electricity customers, regardless of their ability to pay. Each home will have to pay a new levy of €32.76 to subsidise the higher cost of using more environmentally friendly ways of generating electricity.

Small businesses will have to pay an extra €99 annual levy and big businesses will be hit with a 5 pc rise for overall usage.

A chorus of condemnation has greeted the hike — businesses declared jobs will have to be axed to contain costs while the St Vincent de Paul organisation warned the levy would hit the poor indiscriminately.

Electricity users will also have to brace themselves for a price rise on top of the levy. The levy will be introduced in October but a price rise is also looming as another review of costs is under way.

The levy is part of a series of future green taxes which are expected to add up to more than €500 a year in extra costs for each household. These green ‘stealth’ taxes are part of the agreed programme for Government hammered out between the Green Party and Fianna Fail.

Householders are expected to be hit eventually with domestic water charges of at least €175. They also face a €275 hike in carbon taxes on petrol and diesel. Carbon tax on home heating oil is likely to increase bills by €55 a year.

The Commission for Energy Regulation (CER) is pressing ahead with the 5pc PSO levy, despite calls for a levy to be deferred because of the recession. The electricity bill hikes come despite the ESB making a profit of €580m last year.

Energy Minister Eamon Ryan is planning a price review in September which would be separate from the levy in October.

A spokeswoman for the minister said he had no power to interfere with the electricity price rise. But the CER has confirmed it would implement any change in policy on the PSO levy if the Government made such a decision.

Fine Gael condemned the levy and predicted price rise.

“It is anticipated that this will also lead to an increase in prices, particularly for domestic users. Both hikes hitting around the same time are likely to see household bills go up by 10pc in a month,” said energy spokesman Leo Varadkar.

Warned

The Industrial Development Authority has warned that multinational companies had expressed concern about proposed increases in electricity costs. Around 150 companies represented by IBEC’s Industrial Products and Services Group said the rise could add between €34,000 and €500,000 to their electricity bills.

The Commission for Energy Regulation received submissions from Pharmachemical Ireland which said the price increase would lead to a loss of between 550 and 800 jobs among its member companies.

A St Vincent de Paul spokesperson said: “The addition of an average of 5pc on household electricity from October is yet another blow to the most hard-pressed in society.”

The end of snail mail

As many of those who read my once daily ramblings know I love a weird story. For the last few weeks I’ve been trying to sort out a few issues such as should I continue writing this, should I get on with Chapter 2 of my novel – I have never got past Chapter 1 – and have sought solitude on my island.

While there I have written a few letters and posted them – what is amazing is that twenty percent of what was posted never arrived. Now I think I know why?, they were eaten in the post box. I can no longer curse the grumpy postman who holds an obvious grudge against my ability to enter the “Andrex toilet roll is my favourite because…..” competition a hundred times.

I read with great interest the article in today’s Irish Times which reports on the letter eating snails who reside in a Tipperary postbox.

The Irish Times reports:

Snailmail gets new meaning as molluscs seal off postbox

MICHAEL PARSONS – Irish Times

A POSTBOX in Co Tipperary has been taken out of service because snails have been eating the mail.

Since the 19th century, the residents of Kilmoyler have been posting letters in the Victorian iron postbox embedded in an ivy-clad wall opposite the Lady Gregory public house.

Recently the postman noticed the box had been infiltrated by snails which were nibbling at envelopes. An Post decided to suspend its collection and seal the box. Angus Lavery, a spokesman for An Post, said “the damp in the box was attracting snails” and the staff found “slug damage to envelopes”. An Post plans “to remove the postbox and see if it can be made damp-proof and slug-proof” in the hope that “the lovely old Victorian box can be retained”. Roadside wall postboxes were first installed during the 1850s. They were originally painted green – in Britain and Ireland – before red was adopted as the standard colour by the post office in the 1870s. Following independence, postboxes in the Republic again became green.

Before independence, postboxes bore the insignia of British monarchs. “VR”, “ER” and “GR” (referring to Queen Victoria, King Edward VII and King George V) can still be seen in parts of Ireland. Postboxes erected since 1922 bear Irish logos – originally a harp entwined with the letters SÉ (for Saorstát Éireann), later PT (Posts and Telegraphs) and, since 1984, An Post.

Life Assurance Companies fail to pay out

You have been warned, Life Assurance and Serious Illness Benefit is a great concept in principal but the snakes that sell it will do anything to avoid paying out.

No one wants to actually be in a position where they are entitled to be paid from the policy they invested in but due to their illness they are entitled to it, or are they?

Read on to learn about how the snakes in the corporate grass will refuse to pay what you thought you were entitled to.

The Irish Times reports:

When even cancer may not qualify as an illness

CAROLINE MADDEN – Irish Times

PERSONAL FINANCE: Insurance may help if you are unable to work due to illness – but what will really make you sick is finding you’re not covered despite costly premiums 

IT IS SOMETIMES said that your greatest asset is your ability to earn an income. Of course, it’s usually a salesperson saying this as they slide an application form for some kind of insurance product towards you. But regardless of pushy sales patter, it is prudent to plan for the possibility of being unable to work due to an illness or injury, and one method of doing so is through insurance.

Before you go down the insurance road, however, it’s important to check what supports your employer or the State would provide should you fall ill. If, for example, you’re a permanent employee in the civil service, you’ll be entitled to full pay during certified sick leave, up to a maximum of six months in one year, after which you’ll drop down to half-pay.

At the other end of the spectrum, you could be working for a company with a policy of not paying its employees at all while they’re on sick leave, as there is no legal obligation to do so. Make sure to check your employment contract to find out exactly what your entitlements are.

If you have no entitlement to pay while you’re off sick, you can apply for Illness Benefit from the State – if you’ve made enough PRSI payments – but this only amounts to about €10,000 a year. The self-employed are particularly vulnerable as they won’t even qualify for this benefit.

If you don’t have sufficient savings in place, or a supportive spouse with a good job, to tide you over and cover the bills during extended periods of sickness, then it’s worth looking at insurance products that could fill that gap. Beware, though: unless you spend time familiarising yourself with these products, you could end up with an unsuitable policy and a false sense of security.

According to John Geraghty of online discount brokers LABrokers.ie, a great deal of confusion exists between private health insurance (which pays for private medical care); income protection insurance (also known as permanent health insurance); and critical illness cover (now commonly called specified illness cover).

Specified illness cover is designed to pay out a one-off lump sum once a person is diagnosed as suffering from one of the illnesses listed in their policy. The main use of this type of product, Geraghty says, is to pay off a mortgage in the event that an individual becomes seriously ill and unable to work.

Where problems can arise, he says, is if the customer’s interpretation of a serious illness differs from the policy wording. For instance, an individual who is diagnosed with cancer might expect their insurance policy to pay out, but the fine print may state that the disease must be invasive before the policy is triggered.

According to Karen Gallagher of Friends First, there has been a move across the insurance industry to re-label this type of product as specified illness cover (as opposed to serious or critical) to make it clearer to consumers, when they are being sold the product, that it will only pay out for those illnesses specifically listed in the policy.

Some providers are making greater efforts to ensure that consumers are not being misled by being more upfront about the limitations of their product. For example, although New Ireland lists rheumatoid arthritis as a specified illness, the company points out in its policy document that approximately 90 per cent of people with this illness do not have conditions severe enough to trigger a claim. Similarly it highlights the fact that although muscular dystrophy is a specified illness, it is only covered in “the rare cases” where it is not hereditary. “It is important that customers don’t get the false impression that those with a family history can get cover,” it says.

One of the major advantages of income protection insurance is that it provides a much wider level of cover. Essentially it provides a replacement income (after a deferred period, which can range from 13 to 52 weeks) if you are prevented from working by any illness or injury. The maximum replacement income is generally set at 75 per cent of your salary level, less any sick pay or State benefits that you receive. Another advantage is that, unlike specified illness cover, income protection premiums attract relief at the individual’s higher rate of tax.

So how much will these types of insurance set you back? For a 35-year-old male accountant looking to insure a replacement income of €50,000 a year, payable until the age of 60, the cheapest cover on the market costs €57.35 a month (before tax relief) with Irish Life. For a woman of the same age and profession, the lowest quote is €84.60 (again, before tax relief) with Friends First. Geraghty explains that this is higher because women are statistically more likely to be out of work on sick leave.

People working in higher-risk jobs will face higher premiums than those quoted above, and people in certain occupations, such as farmers and taxi drivers, may find that they can’t get income protection cover at all.

If the same 35-year-old man opted for specified illness cover instead, with a lump sum payout of €100,000, the cheapest provider would be Caledonian Life, charging €32.31 a month. For a female of the same age, the lowest-cost option would be with Zurich with a premium of €34.42.

Don’t be swayed by price alone though. Products differ significantly between providers, so make sure to compare the level of cover offered as well.

A common concern with consumers is whether or not they will actually be able to claim on their policy should the need arise. According to Friends First’s Gallagher, the claim acceptance rate is higher for income protection policies, as they are more strictly underwritten at the outset.

Not everyone will be accepted for this type of cover; factors such as their health, occupation, level of income, and occupation are examined (although it’s not always necessary to do a medical test). As a result, the claims acceptance rate across the industry for income protection insurance averages about 90 per cent, she says, compared to between 70 and 75 per cent when it comes to specified illness cover.

Still unsure which type of cover to opt for? Many experts in the insurance industry are of the opinion that people’s first priority should be to have adequate life cover in place, followed by income protection and finally specified illness cover.

A key point to remember is that none of these products cover redundancy, so you will need to make separate provision for this possibility.

Geraghty advises people to take out appropriate products to meet their needs, but not to take out insurance just for the sake of it. “You could pay all of your life savings into insurance products and still not be covered for every eventuality,” he says. “There’s a balance to be struck between having a life and having adequate protection.”

Bank refuse to mortgage house due to weeds in garden

That well worn phrase “we’re open for business” is boomed from the rooftops of every bank in the land but do they practice what they preach?

A homeowner in Cornwall who was trying to re-mortgage his property found out that his application was refused because his garden showed evidence of Japenese Knotweed.

As a result the bank refused to lend. Certainly a new excuse, I haven’t heard that one before. But of course they are “open for business”!

The Daily Telegraph reports:

Homeowner turned down for mortgage due to Japanese Knotweed in garden

The Daily Telegraph

A homeowner who tried to remortgage his £400,000 property had his application refused because of a type of weed in his garden.

Dave Williams, 42, wanted to borrow £83,000 but has been turned down after surveyors found Japanese Knotweed in his flower beds.

The bamboo-like weed can grow up to 12ft tall and push through concrete and damage buildings and is hard to to eradicate with pesticides.

Mr Williams had applied to remortgage his property through Santander but they rejected him after a house survey was carried out.

Officials explained the knotweed posed a risk to the structure of the building, which was now ”unsaleable”.

Mr Williams, of St Austell, Cornwall, said: ”I think it’s crazy. It is an intensive weed but an element of common sense has got to be applied. If we were infested then fair enough.

”But all I’ve got is half a dozen sticks of Knotweed not two foot out of the ground. That’s what incensed me.

”If I had a survey done in the winter I would have been OK because it only comes up in the spring and summer. How can that be? It just makes a farce of it.

”With the housing market in the state it is in, to put this measure in place is beyond belief.”

Knotweed is now so prevalent experts say there is not a single six mile square area in the UK where it is not found – except the Orkney Isles.

It first escaped into the British countryside in the mid-19th century after being brought over from Japan as an ornamental garden plant.

The plant usually grows in poor, rocky soils on the sloped of volcanoes in Japan and is now immune to most natural pests and diseases.

It has become highly successful in the UK and is capable of regenerating from just a tiny fragment and cutting it back often makes it grow back thicker.

Mr Williams, who runs a carpentry firm, wanted to borrow 20 per cent of the house value but mortgage provider Santander has refused.

A surveyor report stated that the property ”is not considered suitable for mortgages purposes as Japanese Knotweed was discovered within the curtilage of the property.”

In a letter to the family, Santander wrote: ”The valuer has said that the property is not readily saleable for owner occupation.”

A Santander spokesman said: ”Due to the invasive and destructive nature of the Japanese Knotweed, if the weed is found in close proximity to the property we would need to assess whether or not a mortgage could be accepted.

”In such circumstances, decisions for these applications would be made on a case by case basis. However if the weed poses a threat to the structure of the building the mortgage application would not be accepted.”

A spokesman for Knotweed eradication company Herpetosure said: ”It makes no sense – it can be dealt with if treated properly.”

Santander is among a string of high street lenders – including Lloyds Banking Group and Barclays – who are now refusing mortgage applicants if knotweed is deemed to threaten a property.

A spokesman for Lloyds Banking Group, which owns Lloyds TSB, HBOS, Cheltenham and Gloucester, said the extent of the problem could affect the price of a property.

Barclays Bank, which also own the Woolwich, also said they would refuse an application unless specialists were brought in to deal with the knotweed.

There have also been reports that some banks have even refused to lend on properties where the plant has been found growing – next door.

It is thought that getting rid of the weed costs up to £100 for every square foot of the plant. The cost of trying to eradicate the plant in the UK has been estimated to be more than £1.25 billion

But a spokesman for the Royal Horticultural Society said knotweed is a ‘nuisance’ but not a ‘problem’

He said: ”I’ve never heard of anything like this before. Japanese Knotweed might be a problem on land being developed but in an ordinary domestic residence it is more of a nuisance than a real problem.”

Water Tax on the way – Muppets in power get it wrong again

I am a firm believer in paying my way in society. You give to society and likewise you receive. You might be surprised to read this but I don’t mind paying tax. It’s for the good of all.

I do mind paying towards local and central government inefficiencies and double standards. If my business is in trouble due to falling income I make drastic changes to my costs, I cut them.

If local authority income is down, like development levies no longer available due to the fact that even the dogs in the street know that we don’t need housing in Leitrim for example, they put up taxes rather than cutting costs.

That isn’t the right way to deal with the matter.

The wrong way is to increase commercial rates on business owners who are struggling with little or no business and homeowners who struggle to put food on their tables.

Yes we all need to pay our way but we need a level playing field.

The Irish Independent reports:

Gormley faces chaos over water tax plans

Paul Melia and Treacy Hogan – Irish Independent

PLANS to introduce water charges for every home in the country are set to descend into chaos.

Major problems were forecast last night after an investigation found most businesses were not being forced to pay their bills.

The Irish Independent can reveal that the current system of collecting water charges is in disarray, with fewer than one in four businesses paying up.

The difficulty in forcing businesses to pay their bills has cast major doubt over the planned roll-out of water charges for domestic households from 2012.

Examinations of council finances by the Local Government Auditor found that, despite repeated warnings, officials were not chasing businesses through the courts for unpaid bills.

The same collection system will be used by local authorities to implement plans by Environment Minster John Gormley to make every household in the country pay for their water.

This is despite the auditor warning that non-collection of charges was the “single biggest” revenue issue facing cash-strapped councils.

The auditor has also found major problems in installing meters, with some councils saying they were unable to charge businesses that were based in terraces and office blocks.

This is because of difficulties in getting access to the plumbing or where there is a single supply catering for all businesses in the block. The same problems will exist when installing meters catering for terraced houses and apartments.

Authorities are not collecting money because of the high costs of taking legal action. However, they will not cut businesses off because of the likelihood of job losses and the bad publicity that would ensue.

Audit reports from 2008 — the most recent year for which they are available — show that councils were owed almost €29m in unpaid bills.

But this newspaper revealed last year that the real figure was more than twice that, with councils reporting unpaid bills totalling €77m.

The audit reports show that half the country’s 34 city and county councils collected less than half of the amounts owed.

The Government plans to introduce water charges to all 1.1 million households in the State by 2012. Homes will get a basic allocation for free and will pay for any water used on top of that. The level of charges has yet to be decided, but Mr Gormley has said it will be less than €400 a year.

Users of rural water schemes, who already pay a fee for their supplies, will be exempt in order to avoid a double payment.

Installation of the meters will cost between €500m and €600m and create more than 2,500 jobs.

Unacceptable

A spokesman for the minister was adamant that the charges would be introduced and said that low collection rates were “unacceptable”.

He said: “It’s down to each local authority to collect the money. Those who fail to collect are leaving themselves in financial difficulties.

“It’s unacceptable that this money is not collected. It can be done. Some collect 90pc of rates and we expect other authorities to achieve those rates.

“Local government is about collecting those rates. When councils underperform, they will not be bailed out. This has been made very clear to them.”

The auditor blamed the problems on the introduction of meters, the late sending out of invoices, disputes over charges and the “inadequate follow-up” of arrears.

“The poor collection of commercial water charges is the most common issue,” he said.

“The percentage of charges collected varied from a low of 23pc to a high of 93pc.”

The lowest collection rates were in Wexford and Wicklow (23pc), followed by Meath (25pc). The best performers were Waterford County (92pc) and South Tipperary (93pc).

The audit report also set out a range of difficulties experienced by councils. They include:

“Numerous difficulties” in Offaly in relation to installation of meters on commercial premises. The council said it was completing the programme and identifying a “substantial number” of customers to be charged.

Meath reported “significant delays” in installing meters. It was owed €3.4m at the end of 2008, which has since risen to €4.6m. Some non-domestic premises cannot be metered “for one reason or another”, including businesses based in terraces and where there are multiple companies in one block.

In Sligo, the council is not even recouping the cost of running its water programme.

In Waterford City, the auditor repeatedly warned about problems with billing and collection. It has arrears of €4.2m.

Kilkenny had difficulties with water charges due to a “large number of errors” with the billing system.

Donegal is owed €9.5m, up from €5.5m in 2007.

A total of 17 councils collected less than half of the charges.

Blackberry’s – once upon a time used by high flying executives now used by binmen

The Blackberry, oh how I loved my Blackberry. I was the first person in my organisation to get one, our IT guy didn’t even know how to programme them so I stepped into the role when the device that became known as the Crackberry needed setting up.

I was instantly addicted, the mere sound of an e-mail arriving made my heart beat faster.

The addiction further developed when I introduced it into the bedroom. I was waking up in the middle of the night just to check e-mail.

Then one Christmas I directed the “enquire” button from my company website to my e-mail. I answered many queries on Christmas Day. Mad, I was bloody mad.

So when an alternative device came along that toned down my e-mail excitment I jumped at the opportunity to drop my Blackberry – really just in the interest of saving my family life.

So I’m interested to read about binmen in the UK who have just been issued with Blackberry’s – I can’t wait to see them hanging off the back of the truck checking mail.

The Daily Telegraph report:

New ‘binman BlackBerry’ coming to a Biffa garbage truck near you

The Daily Telegraph

BlackBerrys, once restricted to the most high flying executives, are coming to a garbage truck near you.

New ‘binman BlackBerry’ coming to a Biffa garbage truck near you
Biffa, one of the UK’s biggest rubbish collection companies, has given 1,500 of its binmen BlackBerry-type devices so they can “get more done on the move”.

Vicky Panayiotou, of Biffa, said binmen could use the “rugged BlackBerrys” to collect data from customers, download maps and communicate with head office.

The devices could also be used to take photos of overfilled bins or catch households who have put general waste in their recycling bin.

“They can take pictures, but they won’t as standard,” she said. “If there are any defects or a health and safety problem, they might take pictures”.

The devices will also be used to track the location of garbage trucks to ensure binmen don’t take a detour to the local pub.

The special ‘binmen BlackBerrys’ form part of a £1.75m deal with Vodafone to supply Biffa with 3,100 devices, including regular BlackBerrys, dongles and 3G data cards.

“Vodafone will enable Biffa to relay information between its 1,500 refuse collection trucks and Biffa’s head office … so that Biffa can capture information including proof of collection more efficiently and identify the vehicles location,” Biffa said.

The news came as Biffa parted company with its chief executive, Andre Horbarch, after less than two years in the post. Mark Keough has been appointed as interim chief executive. Biffa, which was taken private in a £1.7bn private equity deal in 2008, runs the household rubbish collection service for 25 local authorities

Image from Blackberry website

Motorists fined for not locking their cars

George Orwell wrote about the nanny state where big brother is always watching, where you get locked up for breaching the laws, no matter how mad they were.

In Australia a new law is being enforced by police officers who are fining motorists for not locking their cars.

This is being used as a deterent to reducing car thefts many of which are caused by careless motorists leaving their cars unlocked.

The Daily Telegraph reports:

Australian motorists fined £216 for failing to lock their cars

The Daily Telegraph

Australian motorists who fail to lock their cars are risk not only being targeted by thieves, but also being stung by the police.
In a move that has been branded cruel and over-the-top by drivers, officers in the Yarra Ranges north east of Melbourne have warned careless car owners that they will be fined $358 (£216) if they don’t properly secure their vehicles.

The police have introduced the fine in an attempt to slow the spiralling number of car break-ins.

Thefts of valuables from cars in the region jumped 10.1 per cent in the past year, with 68 break-ins since the start of April, according to the Yarraville Leader. Almost 40 per cent of those thefts were from unlocked cars, police have estimated. Valuables stolen from cars include laptops, wallets, satellite navigation systems, cash and bags.

Leading Sen-Constable Graeme Rust, from the Yarra Ranges traffic management unit, said police had repeatedly warned people in the rural towns of the Yarra Ranges to lock their cars, but were largely ignored. As a result, police have decided to get tough, using a Road Safety law passed by the Victorian state government which allows the authorities to levy a fine on unattended unlocked vehicles.

“Did you know that if you do not switch the engine off, apply the hand brake, close the windows and lock your car you could be fined?” Sen-Constable Rust said.

“I urge everyone to look to see that valuables are removed or out of sight and make sure your car is locked before leaving it unattended.”

But the move has been strongly criticised by locals.

Commenting on the Yarraville Leader website, Peter Roehlen said: “Great country we live in. Make a simple mistake and if the crims don’t make a victim of you the cops will do it for them.”

Temike wrote: “They should fine the patrolling officer of any area where a car does get broken into for not maintaining order – not fine the victim.”

Photo provided by Fotolia

M&S apologises for selling bra tops to 6 year old girls

As a parent I am constantly worried about my children. While I don’t want to cottonwool them against the modern world we now live in, I likewise don’t want them to grow up too quickly, let them enjoy the innocence of childhood.

So when I saw Marks & Spencer had introduced a bra top aimed at 6 year old girls I was horrified. To me this just introduces another form of adulthood to children with a form of sexuality being brought into the equation.

The uproar that followed has probably persuaded the retailer about how they crossed the line of decency but the damage has been done.

The Daily Telegraph reports:

M&S apologises for selling ‘bra tops’ to girls aged six

The Daily Telegraph

Marks & Spencer has apologised for labelling an underwear garment aimed at six-year-old girls as a “bra top”.
The company is the latest retailer to become embroiled in a row about marketing inappropriate adult clothing to children.

Just a few weeks ago Primark was forced to withdraw padded bikinis aimed at very young girls, after it was accused of sexualising children.

Senior politicians voiced their concerns, with Gordon Brown backing a campaign to have them removed from stores while David Cameron called them “disgraceful”.

Now parents have complained after finding Santoni heart-patterned underwear tops for sale in M&S stores alongside a similar lace trimmed design and one with adjustable bra-style straps.

The styles were aimed at girls aged as young as 6-8 years old and had been labelled as “bra tops”, although some were also called “crop tops”.

Another tag attached to the underwear suggested it was “a great way of getting girls used to the idea of wearing bras”.

However, M&S has now changed both the labelling and description.

Children’s charities have spoken out against the sale of bras to girls who are not yet developed enough to need them, claiming it robs them of a childhood.

The director of child protection charity Kidscape, Claude Knights, told The Guardian: “We’ve campaigned to combat a trend towards the sexualisation of children and one aspect of this is the production and selling of clothes that are absolutely inappropriate.”

Abi Moore of feminist campaign Pinkstinks, which promotes realistic role models for girls, added: “Why on earth does a six-year-old need to practise wearing a bra? And should she be encouraged to do so? You might say the same of beauty parlours or make-up for six-year-olds.”

Mark & Spencer denied the product was a bra top but said: “We’re sorry that the labelling of our Santoni top has caused confusion.

“The garment is designed to be worn under clothing and doesn’t feature any support or padding, which makes it totally appropriate for its intended age range. All future packaging of the product will be correctly labelled and we have already altered its online description.

“We are totally committed to ensuring our clothing offer is age appropriate.”

Ghost Estates – the haunting truth

Driving to the West of Ireland a couple of years ago I passed a temporary estate agents sign outside a housing development advertising the fact that houses were on view at that very moment. So I pulled in to the housing estate to see about two of twenty houses occupied, the rest completed or nearing completion.

I never got to see it as there was no sign of the estate agent. I should have known given there was grass growing up through the sign. It seems they hightailed it out of town many months before forgetting their sign, they probably realised that there wasn’t a chance in hell of earning commission there and decided to pit that one down to experience.

I have thought about those living in this incomplete development many times since and the bank who funded their purchase most likely funds the now bankrupt developer.

This really is a mess so I have included an article I found in the Munster Express which outlines further this important topic.

Sorting out the property mess and knowing your rights

The Munster Express

If you are an unfortunate homeowner living in one of the estimated 621 unfinished housing estates around the country, what can you do to get the services and facilities on the estate completed?

If your estate developer is now part of Nama and is may be earmarked some day to be pulled down, what are your rights? What sort of compensation can you expect, if any?

The problem of unfinished estates, where either the developer has gone bust and is no longer around to complete the houses, drains, footpaths and lighting, never mind removing rubble, is a huge one.

A 2007-2009 study by the National Institute for Regional and Spatial Analysis created a map of these estates with the largest numbers clustered in the north west and border counties, the north east and around Cork, but nearly every county was represented.

The householders who find themselves living in such estates are in a sort of property limbo.

The local authority is only obliged to take over the services once the developer has sold the last unit and the common areas are transferred to the owners.

Where the estate is not finished and properties are unsold because the developer has run out of money, the council is restricted to waiting until the five year planning permission deadline has passed before they can move against him.

According to the National Consumer Agency, much depends on what is in “your contract to purchase and the management company’s Memorandum and Articles of Association”.

It also states: “If you buy and live in your unit before the completion of a development, you may have little or no say in how the development is being managed until completion…If you have concerns about services that are or are not being provided by the developer, you should examine what legal options are open to you under your contract with the developer.”

Most contracts, say solicitors, unfortunately allowed developers huge legal discretion in the way they made changes to or even finished an estate. “I always insisted those clauses be removed or my client not to purchase,” one solicitor said.

If the developer is still in business he can seek extensions to the five year planning rule, with the local authority having seven years in which to pursue the developer in court (assuming he hasn’t gone bust.)

Local authorities believe there is little point in trying to draw down insurance bonds, especially if the builder is in receivership or liquidation and has court protection.

Meanwhile, if he goes bust, other creditors – the Revenue and banks – will have a claim on any funds long before the Council or homeowners.

Housing experts such as Maynooth Professor Rob Kitchin (co-author of the ghost estate report) believe that those viable estates taken over as part of the Nama loan purchase process should be completed. Existing residents and future purchasers would both benefit while bulldozing should be a “last resort”.

But how long should anyone in an unfinished, badly lit and increasingly bedraggled or unsecure estate have to wait?

Such a person’s options would appear to be very limited:

* You can keep paying your mortgage and maintain your property in the full knowledge that is worth less than you paid for it, and unsaleable until the estate is finished or taken over by a Nama like agency.

* You can stop paying your mortgage in the knowledge that you will not be pursued by the bank’s legal department for at least a year, but at a serious cost to your credit record, which will affect any attempt at other credit facilities. This could lead to foreclosure.

* You can hand over the keys to the bank and move to an affordable rental premises, acknowledging that the bank can pursue you for any shortfall if it is sold at a loss. Your credit will be seriously impaired.

“If Nama takes over ghost estates which they do not finish and decide to bulldoze, they may have to use a compulsory purchase order-type vehicle to buy out any owners or owner/occupiers,” a solicitor told me.

“Usually, a CPO is priced at the cost to purchase an equivalent size/value property elsewhere. But the huge fall in property prices means the owner would end up being offered the market value and they would still have to pay the shortfall on their original loan to their lender/Nama.”

A financial advisor described walking away as “the nuclear option”. He doubted that they would write off the balance of the loan. Always consult a lawyer before taking such a drastic step.

The advisor also provided a glint of hope should Nama decide to bulldoze the worst of the ghost estates.

“The banks are much happier with you in the property, even an alternative one, even if the mortgage remains in arrears, because it is still as an asset on their books,” he said.

“Taking back the keys means it’s now a bank liability. Chances are, by agreeing a market price deal you will still carry the total original mortgage debt, but at least you have a roof over your head, in a better place than the ghost estate.”

Next week: How much longer before the government’s Expert Group produces its recommendations for the circa 30,000 homeowners in mortgage arrears?

Your bank – the wolf in sheep’s clothing

Banks who once wanted you so much they threw money at you with 100 per cent mortgages, interest only and tracker mortgages now want to see you off somewhere else and may even pay you to settle your accounts and move to another mortgage provider – if you can find one to take you.

That anyway is according to an article in today’s Irish Independent.

But don’t trust the wolf in sheep’s clothing, as the old saying says, there is no such thing as a free lunch.

Borrowers are being advised to beware of such offerings.

The Irish Independent reports:

Borrowers warned to reject €15,000 offer to quit trackers

Charlie Weston – Irish Independent

BANKS desperate to clean up their balance sheets could soon start trying to tempt mortgage holders to go elsewhere by offering them up to €15,000 off their home loan.

But consumers have been advised not to touch these “break-deals” unless they are offered more money.

The Irish Brokers Association (IBA) said lenders were quietly trying to protect their capital by tempting borrowers to switch to other providers.

Paul Kinane of the IBA said lenders were particularly keen to get people to give up trackers, which are loss-making for them.

“Not only do many banks no longer want new customers, some don’t even want their existing customers anymore,” he said.

This situation could lead to a borrowers’ market, in which mortgage holders will be able to negotiate lucrative deals with their banks in return for ending the relationship.

But Mr Kinane warned: “Consumers need to be extremely vigilant as experience would indicate that you get nothing for nothing as far as the banks are concerned.”

He said that a homeowner with a €300,000 variable rate mortgage may be tempted by having 3pc to 5pc of this loan written off, which would amount to a discount of between €9,000 and €15,000.

The IBA said it believes tracker customers would need a break-deal offer above 25pc (€75,000 on a €300,000 mortgage) to make it worth their while. He said that customers who dealt directly with the banks could have significant pressure brought to bear on them to change their terms.

“We are urging mortgage holders not to feel pressured into changing their loan terms or switching to another provider. People should see this as an opportunity to perhaps secure a better deal in the market,” Mr Kinane said.

Switch

He dismissed a recent offer from Bank of Scotland/Halifax of €1,000 to those who want to switch away from the bank as a “low ball offer”.

The bank is closing and will no longer offer top-up loans, prompting it to advise customers with a valuable tracker to switch the entire home loan to another lender to avail of a top-up.

“It is likely to be the start of similar campaigns, particularly from those lenders keen to exit the Irish market.

The Consumers’ Association has called on the Financial Regulator to carry out a probe of mortgage lenders to make sure they are not attempting to encourage homeowners to give up tracker mortgages.

The association’s chairman, James Doorley, said lenders were under a statutory obligation, under the regulator’s consumer protection code, to act in the best interests of customers. This meant that any attempt to incentivise customers to give up their tracker would be a breach of the code. Lenders are attempting to get people to give up their trackers when they get into arrears and need to restructure their mortgage.

A spokeswoman for the Financial Regulator has also said that lenders were required to act honestly and in the best interests of customers.

“Our firm view is that no bank should offer incentives for tracker mortgage customers to switch to less favourable options,” she said.

Fake anti-virus software is actually a credit card scam

We’ve all been there – a message pops up on your computer screen to report a virus has infected your system. But help is soon on hand with software that will eradicate the menace that has invaded your system.

But the menace is in fact the software you have been duped into downloading which has collected your financial data sending it back to their greedy criminal task masters.

You have been warned – beware.

The Daily Telegraph reports:

Fake antivirus software is ‘growing threat’ to computer users, warns Google

The Daily Telegraph

Millions of computer users are being duped in to installing software they think will protect them online but actually leaves their computer vulnerable to hackers, a study found.

Google analysed more than 240 million web pages in the last 13 months, and found that fake antivirus programs accounted for 15 per cent of all the malicious software it detected online.

Cyber criminals are using increasingly sophisticated tactics to trick unsuspecting computer users in to downloading and installing software laced with malicious code, which, when activated, gives hackers “back door” access to a computer. This allows criminals to use the machine to send spam emails, or to try and capture personal information and login details for online banking and email accounts.

Security experts have warned that one of the most popular scams is to frighten computer users by popping up messages on their screen, warning them that a virus has been detected on their machine, and advising them that the only way to remove the virus is to download the advertised antivirus software.

But users who click on the link are in fact duped in to handing over their credit card details to cyber criminals in exchange for software laced with malicious code that can put their machine at the mercy of crooks.

“The fake antivirus threat is rising in prevalence, both absolutely and relative to other forms of web-based malware,” said Google in its findings. “Clearly, there is a definitive upward trend in the number of new fake antivirus domains that we encounter each week.

“Surprisingly, many users fall victim to these attacks and pay to register the fake antivirus software. To add insult to injury, fake antivirus programs are often bundled with other malware, which remains on a victim’s computer, regardless of whether a payment is made.”

More than half of the fake antivirus software is delivered through adverts. Google said that although it uses special tools to filter out websites containing malicious code from its search results, cyber criminals were quickly moving the sites between different web addresses to throw them off the scent. Google identified more than 11,000 web domain names used to distribute malware-laced antivirus software.

Security experts have advised computer users to ensure they only install legitimate antivirus programs from reputable companies, such as Norton and McAfee, and not to click on any unsolicited pop-ups that claim to have detected a virus, and offer tools to remove it.

Photo from Fotolia

Advertising works – just look at Hunky Dory marketing campaign

I have to say that I am impressed.

Ask any man, woman or child in Ireland today to name a brand of crisp and most will say “Hunky Dory”, a week ago they might have said “Walkers”, or “Tayto”.

Whoever designed the advertisements featuring well toned girls wearing very little playing rugby is a genius. Yes sex sells but it is the controversy of the campaign the really gets people talking.

Now the IRFU have stepped in to say that such images have no place in the family game of rugby. I agree but that’s only adding fuel to the publicity fire.

Navan Rugby Club sponsored by Hunky Dory’s must also be happy as this will no doubt give the crisp company a good excuse to remain involved and branded as part of the Meath club.

The Irish Times reports:

Racy crisps ads not so Hunky Dory, say rugby chiefs

Jeananne Craig – Irish Times

Irish rugby chiefs called in their lawyers last night over a new ad campaign featuring scantily-clad female players.

Sports officials slammed the provocative Hunky Dorys crisps billboards – with
the tagline Proud Sponsors of Irish Rugby – as tasteless and called on the
company to scrap them straight away.

But the snack firm, which sponsors All-Ireland League Division 3 side Navan,
insisted it had a right to print the claim alongside a revealing shot of a
model clutching a rugby ball and the phrase Are You Staring at My Crisps?

The Irish Rugby Football Union (IRFU) said the sponsorship line wrongly
implied the company was a major donor to the game.

“This advertising campaign is in very bad taste and one which the IRFU
would not want to be associated with in any way,” spokesman Padraig
Power said.

“Its blatant exploitation of women is tasteless and base, and quite
simply unacceptable.

“Irish Rugby has a strong family focus and would not tolerate any
connection with such an approach”.

Mr Power said IRFU solicitors had contacted Hunky Dorys’ distributors Largo
Foods to request the immediate withdrawal of the campaign.

“We are also writing to the Advertising Standards Authority of Ireland
(ASAI) bringing to their attention the misleading claims,” he added.

“The claim that the product is a proud sponsor of Irish Rugby implies
that the company is a significant sponsor of the game in this country,
though the IRFU.

“This is absolutely untrue and a cynical ploy in an attempt to capitalise
on the games popularity.

“By doing so it has the potential to undermine the legitimate claims of
the many genuine sponsors and supporters of Irish Rugby whose investment has
been a key element in the success of rugby at grass roots level throughout
the country, and of our Provincial and National Teams.”

The new campaign is not the first to land Hunky Dorys in hot water.

In 2005 around 60 complaints were lodged with the ASAI against an advert
featuring three lingerie-wearing models and the slogan “Which one would
you throw out of bed for eating Hunky Dorys?”.

ASAI chief executive Frank Goodman last night said more than 20 people had
contacted the authority about the latest advert.

“We will be taking it up with the advertiser tomorrow,” he added.

Image from Largo Foods website

Bank of Ireland Chief Executive waives right to retire at 55

Richie Boucher the Bank of Ireland Chief Executive has waived the right to retire at 55 although it is unclear if the obscene €1.5 million pension top up is also waived.

What happens in public companies is a matter for the shareholders but when we as taxpayers will be levied and taxed black and blue just to keep these businesses afloat then we do have a say in what goes on. This includes pension top up and such like.

I will continue to watch this story.

The Irish Times reports:

Boucher to waive pension option

EOIN BURKE-KENNEDY, MARTIN WALL and MARY MINIHAN – Irish Times

Bank of Ireland chief executive Richie Boucher tonight said he will waive his option to retire on pension at age 55 amid controversy over €1.5 million pension top-up.

In effect, this means Mr Boucher has removed the need to top up his pension by €1.5 million.

In a statement issued tonight, Mr Boucher said although he had been out of the country this week, “I have kept abreast of and I am sensitive to the current comment and debate about my pension arrangements.

“My absolute priority and that of all my colleagues in Bank of Ireland is to complete the task we have set ourselves to restore the strength of the business and support economic recovery. In this regard I am determined that none of us in Bank of Ireland should be distracted from this critically important task. Therefore, I have decided to waive my option to retire on pension at age 55.”

Welcoming Mr Boucher’s move, Fine Gael leader Enda Kenny said: “This issue should never have arisen in the first place. And it’s no thanks to Brian Cowen that the decision has been changed.

“Since I raised this issue in the Dáil yesterday morning the Government has stood idly by while this controversy raged. It was only the depth of public anger and political pressure that resulted in this U-turn.

“Senior members of the banking sector must now realise the pain, hardship and suffering that their actions have caused to the wider community. I hope on foot of this decision that Michael Fingleton will respond in a similar fashion and return his €1 million bonus payment,” Mr Kenny added.

Earlier today, Labour Relations Commission chief executive Kieran Mulvey condemned the pension top-up paid to Mr Boucher.

Details of this pension top-up and salary were outlined in the company’s annual report. The bank said the top-up was to meet “contractual arrangements”. Based on his current salary of €623,000, Mr Boucher will receive a pension of €367,570 a year.

In an interview today, Mr Mulvey said the bank’s board should be called before the Oireachtas Finance Committee to explain its actions. “This is a matter for the public interest,” he said. “Directors were appointed by the Government to represent our interests, I think they should be called before the Oireachtas as soon as possible to explain what has been going on for the last 12 months,” Mr Mulvey said.

Speaking on Newstalk’s Breakfast Show earlier today, Mr Mulvey also said there was a need to know why the banking sector acted in the way it did. “It seems to be that all the normal risk assessments that should have been undertaken were never undertaken – there has to be responsibility for this. This is outside the whole issue of bailing out the banks.”

Asked if he believe the banking inquiry would deal with these issues, Mr Mulvey claimed it would be too late for any real action to be taken. “We need action immediately by the fraud squad. We need action by the Office of Corporate Enforcement,” he said. “Otherwise we will end up with a 14-year tribunal of inquiry like what’s going on in Dublin Castle with people only making money out of it.”

Ictu president Jack O’Connor said this afternoon the payment to Mr Boucher showed there was “one rule for working people and another for those at the top”.

Speaking after a meeting of Ictu’s national executive, he said the controversy had damaged the public perception of the behaviour of those in authority more than anything that had happened since the financial crisis broke in September 2008.

Mr O’Connor said it would have a determinantal effect on the outcome of the current ballot on the Cork Park public sector pay deal. “Rightly or wrongly, it is being interpreted as a signal that despite all the talk of a new departure, it is business as usual,” he said. “It is the nod and the wink. If a thing can’t be done one way, it will be done another way.”

Taoiseach Brian Cowen, who yesterday said it was a private pension issue and not matter for Government involvement, said it would be “helpful” if Mr Boucher did not accept the payment. “Obviously it would help in public perception terms,” he said.

Green Party leader John Gormley earlier this week called on Mr Boucher to forgo his pension top-up, saying people working in the public sector were enraged when they heard stories of “personal enrichment”. Minister for Social Protection Éamon Ó Cuív also said the executive should not accept the money.

Image from Bank of Ireland

UK flights to re-commence

Thank heavens for this piece of news.

The skies are re-open for business and ferry operators who for years have lost business to cheap air fares can stop ripping off customers desparate to get to their European destination.

The ferry operators should have used the last few days as a way of winning back their customers rather than making a quick buck but alas no they never learn.

Well back to the good news, the airlines are back on business.

The Independent reports:

First UK flights to start again

Peter Woodman – Press Association (appeared in The Independent)

Flights will finally start again in the UK tomorrow after air traffic control company Nats lifted restrictions for Scotland and part of northern England.

After days without any flights above the UK due to volcanic ash, Nats said tonight that Scottish airspace would open at 7am tomorrow.

Airspace south to a line between Teesside and Blackpool will also be open, with the hope that restrictions over the rest of England and Wales will be lifted later tomorrow, Nats said.

But current restrictions for the UK would carry on until 7am tomorrow.

Nats said: “The volcanic eruption has reduced and the volcano is not currently emitting ash to altitudes that will affect the UK. Assuming there are no further significant ash emissions, we are now looking at a continuously improving situation.

“This is a dynamic and changing situation and is therefore difficult to forecast beyond 7am tomorrow.

“However, the latest Met Office advice is that the contaminated area will continue to move south, with the possibility that restrictions to airspace above England and Wales, including the London area, may be lifted later tomorrow.

“It is now for airports and airlines to decide how best to utilise this opportunity. Passengers should contact their airlines to find out how this will affect their travel plans.”

The news will come as an enormous relief to cash-strapped airlines and the estimated 150,000 Britons stranded abroad by the flights ban.

Before the Nats announcement, Prime Minister Gordon Brown said that two Royal Navy ships were to be used to help bring Britons home, with a third vessel also possibly being deployed.

The go-ahead for flights came as airlines pointed to successful test flights through closed airspace as a reason for lifting restrictions.

Video: Volcanic ash crisis deepens
Airline Flybe said it would start operating services again from Aberdeen, Belfast City, Edinburgh, Glasgow, Inverness and Newcastle airports from 10.05am tomorrow.

The first flight will take off from Belfast City airport at 10.05 heading for Edinburgh.

The lessening of the impact of the volcano and the promise of a change in wind direction by the end of the week holds out the hope that the crisis can soon be resolved.

The cost to airlines and other affected industries is immense and British Airways said today that European carriers had asked the EU and national governments for financial compensation.

BA, which took a test flight through a successful run out across the Atlantic yesterday, said the flight restrictions had cost it between £15 million and £20 million a day.

While Mr Brown and Transport Secretary Lord Adonis outlined measures to get Britons home, holiday companies Thomson and First Choice said they were laying on coaches to repatriate around 5,000 stranded tourists in the Spanish resorts of Alicante and Malaga.

Thomas Cook also announced that it was flying holidaymakers from the Caribbean to Portugal and getting them home from there.

Mr Brown said HMS Ark Royal and HMS Ocean would be used to help stranded Britons. A third vessel, HMS Albion, which was on its way to Spain to pick up troops, “may be able to be of help”, the Prime Minister said.

The International Air Transport Association was highly critical of the European response to the ash crisis which, it estimated, is costing the aviation industry around 200 million dollars (£130 million) a day.

Meanwhile, ferry companies and train operators have been enjoying a travel boom in the absence of any UK plane travel.

Channel Tunnel high-speed train company Eurostar said it was putting on extra trains every day this week.

Water charges on the way – yes another form of taxation

During the boom Local Authorities got drunk on development levies. So drunk that some even moved to larger premises to house all the extra staff they acquired during the boom.

Now that the boom has long ended and development has ceased local authorites are strapped for cash and rather than implement cut backs bringing their expenditure back in line with pre-boom income they are seeking the easy option – on enviromental grounds of course.

Yes it’s back on the agenda, water rates and I feel annoyed. I pay tax for heavens sake so I expect basic services in return. Those basic services include water.

I pay for roads under a separate heading, that is what my motor tax and tax on fuel is supposed to cover.

I can’t accept this, really I can’t.

The Irish Times reports:

Water charge details ‘within weeks’

TIM O’BRIEN – Irish Times

Proposals to reintroduce domestic water charges, with new water meters being installed in every home in the State, are to be brought to Government in about two weeks.

The proposals – which were approved in principle as part of the Budget – will be brought forward by Minister for the Environment John Gormley.

However the Minister admitted today it is unlikely that water metering will be in place by June 2012 – which means domestic water charges will not be reintroduced before the next general election.

Mr Gormley acknowledged taht the insisting the charges would be politically unpopular but insisted they were necessary. “I think everybody who understands the environment … they know that this is an absolute necessity,” he said. “You just can’t go putting your head in the sand on these issues any longer. Water is a precious resource.

“All the evidence shows that when you actually charge for water people conserve it, people use it wisely.”

He would not be drawn on how much each of Ireland’s 1.1 million households would be charged but said a speculated figure of €400 per household was wide of the mark. He pointed to other EU countries as a possible indicator.

Mr Gormley revealed his plans as part of his announcement of a “reprioritising” of the €1.8 billion Water Services Investment Programme for the next three years.

The reprioritised programme will now give priority to projects which target environmental compliance issues, in a bid to avoid the imposition of fines by the European Commission, and achieve sustainable supplies.

The Minister stressed Ireland had not yet been fined by the EU for its confirmed breaches of the Water Framework Directive, a feature he said was as a result of the Government’s openness to take whatever remedial steps were necessary.

The programme will also target repairs to the water networks to eliminate waste and protect water basins. It is estimated that “lost” water ranges from 16 per cent to 58 per cent of supplies across the State. The programme provides €320 million over the three year period for remedial works.

A much greater emphasis on water conservation through the introduction of water metering and inducements for householders to cut down on usage, also forms a significant part of the new programme.

Mr Gormley told a press conference today he did not believe it made sense, from an economic or environmental perspective, “to invest in expanding water treatment capacity if there is a significant loss of treated water in damaged or aging networks”.

Mr Gormley said in January the Government intends to raise as much as €1 billion per annum from water metering charges when they are introduced.

Labour today welcomed the investment programme but said it was overdue. The party’s environment spokeswoman Joanna Tuffy said the Government’s approach to investment in water needs to change. “There needs to be a national water strategy rather than the piecemeal approach of the past,” she said.

“The priority of State investment has to reduce the amount of public treated water that is lost through leaks. The other priority has to be bringing waste water treatment facilities up to standard to ensure safe drinking water.

“It raises the question as to how, when the Government was spending up to €500 million per year on water infrastructure projects, our distribution was allowed to fall into such a state of disrepair,” Ms Tuffy said.

British Airways run a test flight with Chief Executive Willie Walsh on board

I have always admired British Airways Chief Executive Willie Walsh, I have even met him a few times and those brief few minutes when he was introduced to me and about a hundred others I was impressed by his business like no nonsense attitude to getting on with things.

So when BA are running a test flight from London to Cardiff to see if the Volcanic ash that has drifted down from Iceland poses any threat to safety above the aeroplane, who travels with the crew?, yes you’ve got it, the CEO Willie Walsh. The ultimate good boss, don’t expect your staff to do something you aren’t prepared to do yourself.

Pressure is on to re-open the skies and airlines who are losing millions each day need to make a call on whether or not it is safe to fly. The aviation authorities throughout Europe have the last say but running these test flights is putting pressure on a decision.

The Daily Telegraph reports:

Volcanic ash cloud: test flights raise hope for European air traffic

The Daily Telegraph

Air travel across much of Europe was paralysed for a fourth day on Sunday by a huge cloud of volcanic ash, but Dutch and German test flights carried out without apparent damage seemed to offer some hope of respite.

Fresh eruptions thrust new torrents of molten rock through the shattered ice sheets in the mountain crater, spewing a towering wall of ash, dust and steam high into the air.

British Airways and Irish Aer Lingus highlighted uncertainty over any resumption of flights in the immediate future by cancelling all of its flights for Monday.

Dutch airline KLM said inspection of an airliner after a test flight showed no damage to engines or evidence of dangerous ash concentrations.

Germany’s Lufthansa also reported problem-free test flights, while Italian and French carriers announced they would fly empty airliners on Sunday.

British Airways were also said to be planning to carry out a test flight from Heathrow to Cardiff this afternoon amid growing pressure to lift the ban, which has left hundreds of thousands of passengers stranded around the world.

BA said that, subject to approval, its test flight would involve a Boeing 747 jumbo jet with a four-strong crew and BA chief executive Willie Walsh aboard.

It was planned that the aircraft would take off from BA’s southern runway, flying over Windsor and Reading in Berkshire and heading off over the Atlantic.

The flight would last around two to three hours with the plane landing at BA’s engineering and maintenance base at Cardiff.

The Association of Dutch Pilots (VNV) said that along with sister organisations it believed a partial resumption of flights, with some restrictions, was possible.

“The concentration of ash particles in the atmosphere is in all likelihood so little it poses no threat to air transport,” said VNV chairman Evert van Zwol.

Through Sunday, a clampdown held across much of Europe, posing a growing problem for businesses including airlines, estimated to be losing $200 million a day, and thousands of travellers stranded worldwide.

Many countries, including Austria, Britain, France and Sweden, closed their airspace into Monday, and weather experts said wind patterns meant the cloud was not likely to move far until later in the week.

They said the dark grey plume rising from an Icelandic volcano and drifting southwards through the upper atmosphere could become more concentrated on Tuesday and Wednesday.

More countries were forced to close their air space yesterday as the ash cloud continued to expand across the continent.

Volcanic ash cloud latest: live

More than 17,000 flights to and from European airspace were cancelled, including all flights from Britain’s major airports.

The Met office reported that volcanic ash had begun to fall across Britain, coating surfaces with a fine layer of dust and raising fears for people with breathing difficulties.

Meanwhile experts warned of shortages of some foods with produce destined for British shops rotting in airport warehouses in other parts of the world.

Geologists reported that activity at the volcano increased yesterday, spewing a plume of ash 5.3 miles high into the atmosphere.

The Icelandic Meteorological Office said the winds blowing the volcanic ash south east to Europe and up into Scandinavia and Russia will continue in the same direction for at least two days and could go on until Wednesday.

But scientists fear there could be more eruptions from the 5,466-foot volcano, Mount Eyjafjallajökull.

Sigrun Hreinsdottir, a geophysicist at the University of Iceland, said: “From what we’ve seen, it could erupt, pause for a few weeks, and then possibly erupt again. It could go on for months.”

As the no fly zone expanded yesterday, so did the chaos.

FLIGHTS AND TOURISM

The National Air Traffic Control Service (Nats) extended restrictions on flights from British airports to 7pm on Sunday, with the expectation of further extensions.

Tens of thousands of Britons stranded abroad were forced to check back into hotels or seek sea or rail routes home.

Ferry operators have reported record bookings. P&O took 6,000 foot passengers across the Channel on Friday compared to the 100 to 200 it would expect on a normal Friday in April.

Eurostar trains were fully booked until tomorrow, with 50,000 more passengers than normal since the airline disruption began on thursday, including comdeian John Cleese who arrived back in London last night after a mammoth overland journey from Norway.

The operator is charging passengers a minimum £223 for a single ticket from Paris to London over the next two days prompting accusations of profiteering. A return ticket can normally be bought for as little as £69. Eurostar denied it was cashing in.

Some 4,000 British tourists have been stranded in South Africa.

Paul and Catherine Newman and their daughters Francesca, eight, and Natasha, six, were among those stuck in Cape Town. Mr Newman, 44, said: “I have to get back to my business on Monday, and the girls are due back to school. We took our hire car back to the airport and used up all our holiday cash. After paying pounds 650 for each of us to fly, it’s very bleak.”

The British Embassy in Athens said there were currently “many thousand” British holidaymakers trying to leave Greece after the holidays, in many cases anxious to get back in time for the start of the school term this week, with some of those desperate to return resorting to renting cars or embarking on long trains journeys.

Several hoteliers on the Greek islands have begun offering free meals to help stranded guests cope with the extra cost of an enforced extension to their stay.

ASH

The Met Office reported that ash from Eyjafjallajokull had settled over much of Britain, with a thin coating detected at its monitoring stations in the North, the Midlands and the Thames Valley.

It said: “Evidence of ash dust over the UK is being detected by Met Office observations and there are reports of dust reaching the ground.”

The British Lung Foundation advised people with a lung condition to carry their medication as a precaution as they may experience short-term worsening of symptoms. However it stressed that the ash does not pose a significant health risk to the public.

There were reports lst night of cars as far afield as Heathrow and north Wales covered in a fine coating of the dust

FOOD SUPPLIES

The Freight Transport Association said that even if British airspace finally begins to open up in the coming days it would take a fortnight to clear the backlog of flights and food destined for the UK. Reports have already emerged of food beginning to rot at airports, with millions of pounds of vegetables and flowers destined for British supermarkets being destroyed in Kenya.

If disruption continues into this week shoppers will begin to notice a shortage of a number of food products normally airfreighted into the country, particularly from south east Asia and Africa.

The Freight Transport Association (FTA), warned that some imported fresh fruit and vegetables could soon be in short supply.

Jo Tanner, the Freight Transport Association spokeswoman, said last night: “We will start to see food shortages this week and we will not see a return to normality for at least two weeks”

Matthew Albert, head chef at Michelin starred Thai restaurant Nahm, in London, said they had been fortunate in receiving their weekly supply of produce from Thailand last Wednesday, a day earlier than normal because of a local holiday. Any later and it would have been grounded by the eruption. “But if flights don’t resume soon this week it will become increasingly difficult to source Thai ingredients in Britain and we will have to make changes to our menus,” he added.

BUSINESSES

The grounding of all flights has already cost the British economy at least £920 million, with losses set to rise at the rate of £230m for every day of further disruption.

The airline industry alone will have lost an estimated £520 million by the end of today, with losses of £130m for every day of disruption. Economists at the Centre for Economic and Business Research estimated that the wider economy is also expected to suffer losses of at least £100m a day from lost revenue and extra costs.

Steve Bond, a senior lecturer in airline operations and business aviation at City University, in London, said some of the smaller airlines could be “tipped over the edge” if the disruption of the past three days continues into the middle of this week.

Logistics company DHL confirmed that it expected significant disruption on several European air traffic routes, due to the temporary closing of air space through northern Europe and parts of western Europ.

The British Chambers of Commerce said the disruption could not have come at a worst time for business.

Its Director General, David Frost, said: “Business is still recovering from recession and for the first time in some years we are just beginning to see improvement in our exports.”

Mail from Britain to the far East was delayed, while post and parcels to the US were being taken by road to southern Spain to be flown across the Atlantic.

EDUCATION

Schools face major disruption this week with teachers stranded abroad and unlikely to return in time after the Easter holidays.

Mark Southworth, head teacher of Woodcote High School in Croydon, said 12 of his teachers were stranded abroad, amounting to one in seven of his workforce. He has supply teachers on stand by to fill in for regulars who cannot make it back to the UK.

“We have made the decision that we are going to open and are planning for the worst-case scenario,” he said.

Martin Ward, the deputy general secretary of the Association of School and College Leaders said: “No doubt many schools will be short staffed on Monday because of teachers being stranded abroad.”

Cambridge University was forced to cancel examinations because dozens of students and examiners were still trapped abroad. Oral examinations at the Faculty of Modern & Medieval Languages which were due to take place tomorrow and Tuesday have been postponed.

SPORT

The travel restrictions also hit the sporting calendar.

Olympic champion Bradley Wiggins was forced to miss a cycle race in the Netherlands and football referee Steve Bennett, who was due to officiate the Manchester derby yesterday, was stranded in Romania.

Great Britain’s opening match at the Ice Hockey World Championships in Slovenia yesterday was delayed to allow the team to alter its travel plans by swapping a flight for bus and train.

The ash also affected rugby league’s Challenge Cup, with Widnes Vikings and Lezignan being postponed after the French club’s flight to England was cancelled.

The aftermath of the eruption also had an impact on cultural events. Russell Watson, the tenor, was forced to call off a concert in Ireland after his flight was one of thousands cancelled, while singer Mika postponed a concert in Portugal and members of “cartoon” rock band Gorillaz, due to headline at California’s huge Coachella festival, were stuck at Heathrow.

Meanwhile, Liverpool and Fulham faced finding alternative ways of getting their players to the Europa League semi-finals in Madrid and Hamburg on Thursday (April 22).

CLOUD

The first detailed analysis of the molten rock thrown out by last week’s eruptions has given clues to why the impact has been so severe – and suggested that it could cause protracted chaos for Britain. While last month’s initial explosion involved magma made of basalt, the rock exploding through the ice now is composed largely of andesite, scientists at the University of Iceland have discovered.

The significance is that andesite has a markedly higher gas content than basalt. This may mean that even after all the ice in the crater has melted, the exploding volcano will continue to throw ash into the air rather than simply produce lava flows.

Photo provided by Fotolia

Whitney Houston on tour

A friend of mine paid €110 a ticket to see Whitney Houston. Following reviews of her previous performances on tour my friend was hoping that Ms Houston wouldn’t be able to travel here due to volcanic clouds above Ireland and the UK so she would get her money back if the show was cancelled.

No such luck.

The show must go on, that’s the old show business saying anyway. If she doesn’t perform she doesn’t get paid. If she does perform – wheezes her way through the set even singing different lyrics to the backing music – she gets paid, she fulfill’s her contract with the concert promotor and those who bought a ticket.

My friend said that Whitney “performed” eleven songs and at the end of the night many present felt they had been ripped off.

Reading this review it is kinder to Ms Houston than others I have read. Maybe the negative hype is only a popularist kick them when their down type of review.

The Observer reports:

Whitney Houston – Live review

Morwenna Ferrier – The Observer Reviews at the Trent FM Arena, Nottingham

Wherever Whitney Houston goes, she sees love: in God, in Michael Jackson, in shoes, in moisturiser, in “us”. But boy does she hate her ex, Bobby Brown. While 46-year-old Houston ploughs on with the UK leg of her world tour, the notorious 80s rapper turned reality TV star is preparing to go to court to reduce his child maintenance payments. Not to Houston, but still. “Any single mothers out there? Coz there’s one up here!” shouts Houston, two songs in. “And why am I a single mom? Because stuff happens!” The crowd, which evidently includes a surprising number of single parents, whoops in unison. Satisfied, Houston grins wildly and bellows: “Welcome to the Whitney show!” One-nil Houston.
There was a lot riding on Wednesday’s Nottingham gig. The previous week, Houston had postponed three UK shows because of an upper respiratory infection. On Tuesday, playing her first UK show in over a decade, she was booed by some of the Birmingham crowd after her voice strained and wavered. She took long breaks for costume changes and behaved skittishly, giving her backing singers a disproportionate amount of vocals.
The morning after Birmingham’s baffling performance, Twitter feeds were awash with amateur YouTube clips, expletives and OMGs. And while in Nottingham the diehard, camera-wielding fans (mostly women in their mid-30s, aka generation Bodyguard) chanted her name throughout, a handful of unsavoury comments were being thrown from the cheaper seats at the back where sat a clutch of ghoulish voyeurs here for the sport.

Houston looks well, if a little thin. Gone is the bleached bob and body-con, and back is the crackled perm and sparkly garb. She even manages to perform her familiar bunny hop dance in stilettos for the first half of the show before stomping around the stage with unwavering authority.

She kicks off successfully with two ballads from her 2009 album, I Look to You, “For the Lovers” and “Nothin’ But Love” (love really is a theme with Houston.) The crowd, now warmed up, begins rattling with joy as she struts around all finger-clicky, black and proud during “It’s Not Right”. The songs include moments of genuine bonkersness. During “Saving All My Love for You” she stoops to moisturise her ankles and on several occasions appears to be singing to her shoes. This leftfield informality is matched by an understated stage set. Silver curtains, no hydraulics, and one screen behind her which flitted sporadically between religious imagery, photographs of the Iraq war (although it could have been any war), snow, emaciated children and Mother Theresa.

What may baffle those indifferent to Houston is how staid her support group is, despite the past tawdry decade. During “My Love Is Your Love” she is flanked by her son and daughter. At one point, a sodden Houston flicked sweat onto the stage. A drop landed on Big Bob, her bodyguard of 20-odd years, who put down his iPhone to smear the liquid lovingly across his cheek. Family, management, super-fans; to these people she can do little wrong. Yes, there’s schmaltz but her fans like schmaltz.

However, Houston’s rendition of the ultimate schmaltz anthem “I Will Always Love You” must have tested even her most loyal followers. It’s a challenging ballad, not least if you’ve been doing extraordinarily damaging things to your upper body for several years. Her voice wheezes and grates through the high notes. There are attempts to plaster over the cracks with octave changes and smiles, but mid-song she stops, sighs and turns around to compose herself. She does finish the number, in a way, but it isn’t spectacular and Houston, frozen, knows it. A momentary silence is pierced by the sound of a child crying in the stalls. Quite why left this song to the end is bewildering. Her Dyson lungs aren’t what they used to be.

Houston, of course, is of gospel stock, a cousin of Dionne Warwick, and has sold a gazillion albums worldwide. She is a mega-diva, in the positive sense. Yet she has spent the best part of a decade falling apart, publicly, vociferously denying drug addiction and waxing lyrical about the joys of colonic irrigation.

But no one really wants to see Whitney Houston fall even further from grace. All her stomping, shouting and Brown-jeering feels like a rebuke to her glut of negative press. Whitney Houston is, after all, the voice of the mainstream, of proposals, coitus and hen nights. And, as the old saying goes, if you can survive an addiction to cocaine you can survive just about anything, even if it does monstrous things to your voice.

Clear skies everywhere and not an aeroplane to be seen

Ever since the financial crisis that became known as the “credit crunch”, entered our vocabulary all things Iceland have been blamed for what’s happened.

Now we have clear skies and an eerie silence not seen since my parents were young children and again the good folk of Iceland are the reason why our airlines are grounded.

But it isn’t an Icelandic bank that has caused the problem but rather a volcano.

Maybe Mother Nature is trying to tell us something.

The Irish Times reports:

Irish flights grounded as Icelandic ash shuts airspace

IRISH TIMES REPORTERS

The Department of Transport has said flights may be grounded for a number of days after an ash cloud from a volcano eruption in Iceland drifted into northern Europe.

Indications are that aircraft will not be able to move tomorrow and perhaps for a number of days Maurice Mullen, assistant secretary of the Department of Transport said after a meeting of the government taskforce on emergency planning this evening.

Departments and agencies involved in the meeting included the Department of Transport, the Department of Foreign Affairs, the Department of Health and Children, the Department of Tourism, An Garda Síochána, Met Éireann, the Irish Aviation Authority and the Dublin Airport Authority.

There are currently “significant” restrictions on flights in and out of Ireland.

The volcanic eruption at the Eyjafjallajokull glacier yesterday threw massive plumes of black smoke and white steam into the air. The cloud has drifted south and is now affecting large swathes of northern Europe.

A spokesman for the IAA, which controls air traffic, said all flights in and out of Ireland may be grounded tomorrow if the ash cloud enters Irish airspace.

He said the Volcanic Ash Advisory Centre in London had advised the authority that the plume of volcanic ash was currently being blown in Ireland’s direction. The cloud had initially drifted in south-easterly direction from Iceland down over Scotland and the rest of the UK but it was now being blown back towards Ireland by a north-easterly wind.

“If this volcanic ash plume encroaches into our airspace, and all the signs are that it will tomorrow, then planes will have to stay on the ground,” the IAA spokesman said.

Hundreds of flights departing and arriving at Irish and British airports were cancelled today due to the ash cloud.

“It is not safe for aircraft to fly into volcanic dust. The rock particles cause significant damage to the surface of the aircraft skin and the engine components. This dust can cause engines to shut down. The dust particles within a cloud of volcanic ash can also cause electrical faults,” the IAA said.

A further update is expected this evening.

Aer Lingus flights departing and arriving at Dublin, Cork, Shannon, Belfast, London Heathrow and Gatwick Airports have been cancelled for the rest of the day.

The airline said all UK and European flights scheduled to depart Dublin, Cork, Shannon, Belfast, London Gatwick and Heathrow up to 1pm tomorrow have been cancelled. Flights from Ireland to the US are expected to operate with delays, with the exception of flight EI 111 from Shannon to New York which has been cancelled.

Customers holding confirmed reservations on the other transatlantic flights to New York, Boston and Chicago are asked to arrive at the airport on time for check-in.

Aer Lingus said it had activated a change-for-free and refund request facility on its website for affected customers.

Ryanair, which has cancelled all flights to and from Britain and Norway, is also offering refunds or exchanges through its website. The airline, which was forced to cancel about 40 per cent of its scheduled flights across Europe today, said this evening it will not operate any flights to or from Ireland, Belgium, Denmark, Finland, Sweden or the UK before 1.00pm tomorrow.

BMI said it had “reluctantly” cancelled all flights today and some operations tomorrow. It said safety was its number one consideration and that all airlines were affected.

Air France also said it had experienced “severe disruptions” with cancellations and delayed flights. It also had a re-booking procedure in place on its website, it said.

All flights operating through Ireland West Airport Knock were cancelled with the exception of the inbound Ryanair flight FR2451 from Faro and the outbound Ryanair flight FR2452 to Faro. The airport said Aer Arann flight RE220 from Knock tomorrow was also cancelled.

Belfast International Airport and George Best City airport were also closed.

George Best City Airport operations director Mark Beattie said while he hoped it would be back to business tomorrow he could give no guarantee. A spokesman for Belfast International Airport was also unable to give an indication when the cancellations would end.

All intending passengers from all Irish airports are advised to contact their airline.

Irish Ferries reported an increase in bookings and a surge in visits to its website as passengers sought alternative transport. A spokesman for the ferry company said the flight cancellations had a “huge impact” on business and that extra staff were brought in to deal with reservations.

The Jonathan Swift sailing from Dublin to Holyhead at 2.30pm was “sold to capacity” and the 5.15pm sailing from Holyhead to Dublin was also sold out. There was still space for passengers on ferry sailings tomorrow, the spokesman said.

A spokesman for Stena Line said it was “under siege” with intended airline passengers seeking to make alternative arrangements. One ship had sailed at lunchtime “packed to the gunnels”. The spokesman said, however, that foot-passenger space was now limited on sailings today and tomorrow.

Airports at Edinburgh, Manchester, Aberdeen, Glasgow and Newcastle are closed. Gatwick, Stanstead, Heathrow and London City airports closed this morning. British Airways said it has cancelled all domestic flights for safety reasons.

The British air traffic control service (Nats) has restricted flights due to ash over northern Scotland but said the ash cloud is expected to move south during the day. The move came a day after similar restrictions were implemented in northern Norway.

A statement on the Nats website said: “We took this decision in order to maintain safety. We continue to work with our neighbouring air navigation service providers to minimise the impact on our aviation customers.”

The volcanic eruption threw black smoke and white steam into the air yesterday and partly melted a glacier. The plume of smoke was seen rising from a crater under about 200 metres of ice at the Eyjafjallajokull glacier, close to the site of another eruption which started last month and died down on Monday, Icelandic state radio reported.

Some 700 people were forced out of their homes as melting ice from the glacier caused flooding that threatened to damage a highway and several bridges. “We have had to dig some holes in the road so the flood could pass through and ease pressure on the bridges,” said Rognvaldur Olafsson, who is leading the rescue effort.

Three large holes which were visible on the glacier in the morning had turned into a continuous rift running for about two kilometres through the ice, he added.

Scientists had measured increased seismic activity near the glacier about two hours before the volcano started to erupt early yesterday, local media reported.

The volcano, situated beneath Iceland’s fifth largest glacier, has erupted five times since Iceland was settled in the ninth century.

Iceland sits on a volcanic hotspot in the Mid-Atlantic Ridge and has relatively frequent eruptions, though most occur in sparsely populated areas and pose little danger to people or property. The last eruption before that in March was in 2004.

Blue sky above the dog house this evening, ah wonderful.

Cadbury Cafe – Would John Cadbury still turn in his grave

When Kraft forced the purchase of Cadbury I wrote about how John Cadbury the Quaker founder of the now famous brand must be turning in his grave at what happened.

But maybe now he isn’t so angry at news that Cadbury will open high street cafes offering afternoon tea and a chocolatier service.

Let’s wait and see how they operate before we judge further.

The Press Association report – featured in The Independent:

Kraft backs Cadbury high street cafes plan

Holly Williams – Press Association

Cadbury-branded cafes are to open on Britain’s high streets under plans confirmed today by the Dairy Milk and Wispa maker.

The group has secured backing from new owner Kraft for a chain of Cadbury outlets offering afternoon tea and an on-site chocolatier service making large versions of popular bars such as Curly Wurlys and Flakes.

As many as 60 outlets could be opened over the next three to five years under the proposals.

US parent Kraft, which bought Cadbury in a controversial £11.5 billion takeover in February, has thrown its weight behind the idea, endorsing a 20-year licence deal with a group of retail entrepreneurs to lead the venture.

Cadbury had been in discussions with the team – including David Morris, the former director of food and restaurants at Harrods – and signed the licence agreement in January, before Kraft completed its acquisition.

The US firm has now given the plans the green light, but is not providing financial backing.

Cadbury said it was an “exciting concept that builds on the success of the Cadbury brand”, although a spokesman stressed it was “very early days” for the venture.

It is thought the cafes could be called Cadbury Cocoa Houses – the same name that was given to a previous Cadbury-branded cafe, which was operated in Bath primarily as a marketing tool until it shut in 2007.

The management team running the new operation are said to have already started negotiations with landlords with a view to possibly launching in London before the end of the year.

Mr Morris is expected to become chief executive of the venture, with retail entrepreneur Marilyn Newman as chairman.

The launch comes at a robust time for the coffee shop sector, which has shown remarkable resilience throughout the recession.

While many high street rivals have fallen by the wayside, the consumer spending woes spared many coffee shop retailers and they have even been expanding throughout the recession.

Recent figures showed that the six biggest players increased shop numbers by 47% in the year to September 2009.