National Lottery suspicions

The National Lottery has a new game called Millionaire Raffle. Tickets cost €20 each and the game is limited to 300,000 players. There are 532 prizes, the first two are for €1million; the next five pay €100,000 and prizes range downwards after that.

The first draw took place during the Rose of Tralee Festival last Tuesday but players are not at all happy with the manner in which the whole thing was organised.

Most of these 300,000 people tuned in to the show in the expectation of watching a live draw in which all their dreams might come true. Alas, it was not to be. The draw had actually taken place earlier that day, behind closed doors, at the National Lottery HQ in Dublin.

Photographers were dispatched to all the winning agents where photographs were taken and emailed to Tralee in preparation for the ‘live’ draw later that night. The ‘live’ draw turned out to be just the live ‘announcement’ of the winners.

Slick, efficient, great for RTE and the National Lottery but many callers into Liveline (Wed) were very suspicious of the whole deal. Derrick Davis said people thought there were victims of a three card trick. Many also expressed amazement that one of the €1million winners just happened to live in Tralee.

The whole episode has echoes of the National Sweepstakes operation of which I wrote about recently and the common denominator is state involvement and control. The corrupt Sweepstake, which for decades robbed countless millions from Irish citizens, was set up and run by the State, even the draws were supervised by a Garda Commissioner.

Consider the similarities with the National Lottery. RTE is a State organisation that practically acts as the promotional wing of the National Lottery. Curiously, a spokesperson for the Lottery didn’t know what financial arrangements existed between the NL and RTE for the Rose of Tralee.

The Dept. of Finance ‘regulates’ the activities of the NL, I wonder what arrangements are in place here. The State’s police are still involved with a Garda drawing tickets every week in company with a representative from KPMG. And most significantly, it’s a government minister (Martin Cullen, I think) who decides who benefits from lottery funds.

So, the State broadcaster, two government departments, the police force and an individual minister, all running or involved in the National Lottery. Sure, who could be suspicious of that?

NRA promise: No surcharge on new toll system

According to Hugh Creegan of the National Roads Authority (NRA) retailers will not impose a surcharge on motorists when they purchase their barrier free toll cards. For the record, here’s what Creegan said:

“No, there won’t be any surcharging; they’ll just be paying the statuary toll charge and nothing else. While it may be technically possible it won’t happen in practice.”

(RTE News, 4th report).

What Hugh means is that retailers are legally entitled, if they so decide, to skim off a little something for themselves under the new system. Hugh’s promise that it won’t happen in practice holds about as much credibility as a politician’s promise.

A few years ago when I went to purchase some credit for my mobile phone I was informed by an embarrassed shop assistant that there was a surcharge on the transaction. I told him that I would throw my phone in the sea rather than submit to such greedy extortion.

Motorists should adopt the same attitude when faced with the same rip off, as they inevitably will, despite Mr. Creegan’s promises.

The untouchables

According to the Sunday Tribune, Celia Larkin, Bertie Ahern’s ex-girlfriend, was paid almost €30,000 in fees and expenses for sitting on the board of the National Consumer Agency – a position she described as purely voluntary.

The NCA is a useless organisation that claims to act in the best interests of consumers but, for the most part, fails miserably in its mission.

This useless quango, which has a pitiful budget of €10 million, has a bloated board of 12 and has cost the taxpayer more than €330,000 in expenses and fees. Its chief executive, Ann Fitzgerald, is paid a disgracefully high wage of €182,333.

There is nothing new about this scandal. We know, and have known for years, that there are thousands of Irish citizens doing exactly what these people are doing – sucking the State dry of vital funds that could otherwise be used to benefit those who deserve help.

Does anybody really believe that Ahern, who appointed Larkin, is worried about these revelations, that he’s chewing his nails with worry about possible consequences? Is there anybody naïve enough to think that Larkin gives two damns what people think? Is there anybody fool enough to believe that there’s some state authority or some politician out there who will challenge these people, who will act in the interests of the people?

No, low grade people like Larkin and Ahern do not care what people think, they are confident that they operate in a jurisdiction where accountability is almost non existent, where they are practically untouchable.

None of this will change until the Irish people learn how to express their anger en masse – I’m not holding my breadth.

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NCA
Fianna Fail

Secrecy law remains unchallenged

Mary O’Dea, Consumer Director at the Financial Regulator’s office was asked about the Bank of Ireland lap top scandal on Drivetime (8th minute) yesterday.

“It’s a matter we are investigating so I can’t go into the specific details with you.”

When she was asked how and what they were investigating O’Dea replied.

“I can’t; unfortunately, I’m prohibited by law from going into the details of the investigation.”

It was at this point that RTE presenter, Mary Wilson, should have challenged this civil servant with basic questions such as;

What law exactly are you basing your refusal to provide this information?

Are you absolutely sure that this law forbids you from informing Irish consumers of even the subject matter of your investigation?

Can you email a copy of this particular law to this programme so that we can have our legal team analyse its contents to confirm for our listeners that your interpretation of absolute secrecy is correct?

Is the Financial Regulator happy with this high level of secrecy surrounding its investigative activities?

Is the Financial Regulator happy with the fact that this law poses a serious disadvantage for consumers?

If the Financial Regulator is not happy with this law has there being any attempt to have it repealed?

Are you prepared to come on air again in the near future to defend your position regarding this secrecy law?

Unfortunately, Mary Wilson asked none of these questions and so, in effect, consumers have been let down by two state agencies.

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Drivetime
Financial Regulator

Theft and fraud continues with impunity

“Help consumers to make informed decisions on their financial affairs in a safe and fair market.” (Dishonest claim made by Financial Regulator).

Irish financial institutions continue to rob and defraud consumers with impunity. The latest theft, by insurance brokers, involves a whole raft of scams including failing to fully disclose fees and charges, overcharging and selling consumers optional extras which they have not asked for. All these activities are banned under the Consumer Protection Code (Irish Independent).

The so called Financial Regulator has reacted as it always does; no charges, no fines and total secrecy on the names of the thieving companies. Consumers are not even to be told how many companies are thieving.

In other words; the criminal financial institutions are afforded full protection by the regulator while the consumer is kept in the dark and forced to take his chances in an extremely unfair and unsafe market. The only recourse consumers have is to treat all insurance brokers as suspect.

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Financial Regulator
Professional Insurance Brokers Association

NCA – Please, stop that naughty behaviour

John Shine of the National Consumer Agency was on Drivetime (7th item) yesterday talking about a recent case of car clocking. This practice, which is prohibited by the Consumer Protection Act 2007, involves tampering with the odometers of used cars to significantly reduce their mileage readings.

According to Mr. Shine this lucrative criminal activity is widespread. In addition to being a major rip off, the scam could also pose serious safety problems for consumers.

We’ve been told for some time now that the NCA has new powers, that they are prepared to use them to protect the interests of consumers and Mr. Shine was clear; the NCA considers this kind of activity quite a significant problem.

So, what action did they take to protect the consumer when Orange Motors Limited of Limerick was caught in the act? Well, they politely asked the company to give a formal undertaking not to engage in such naughty activities in the future.

So, why didn’t the NCA prosecute these people? We find the astonishing answer on their website.

“While the NCA has power to prosecute the company for engaging in these practices, this could take some time, and, in the meantime, other consumers could be misled.”

I could make an attempt to analyse this idiotic statement but I don’t think my sanity could stand the test. This episode does, however, tell us a number of things.

The NCA is still a useless defender of consumer interests. It is a lightweight organisation hopelessly out of its depth in a sea of sharks.

Dodgy car dealers all over the country will be greatly encouraged by the pathetic efforts of this toothless tiger.

As for long suffering consumers – The will continue to be victims.

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NCA

Gift token rip off

Fine Gael TD Leo Varadkar has just published a survey that reveals details of the latest scam in rip off Ireland (Drivetime, 8th Feb).

Apparently, businesses are benefiting by up to €40 million per year by imposing restrictions and charges on gift tokens.

Many tokens expire after a year but some, like Ryanair, expire after just six months.

Others have service charges. Easons will ‘generously’ accept tokens for a year but thereafter imposes a charge of €2 for every month the token remains unused.

Transaction charges, ranging from €2 to €4, are another popular method of extracting ‘free’ money from consumers.

Terms and conditions are not always printed on the cards, a situation that can result in unpleasant surprises and even embarrassment for consumers.

A developer friendly administration

The mafia like operations of management companies continues to cause grief for residents of estates and apartments (See here for analysis).

On last Tuesday’s Liveline (58th min) three residents of an apartment complex told their stories. Here’s a summary.

Received a bill for €2,037, last years bill was €1,400.

Reason for increase – Unoccupied apartments owned by the developer and Dublin City Council were not bringing in funds so the residents had to make up the shortfall. The developers are holding onto the apartments until the property market improves.

The board of directors of the management company is made up of the developers.

When the resident questioned the bill it was admitted an error had been made and the bill was reduced to €1,800.

When the resident contacted Liveline the bill was further reduced to €1,550, a figure that had originally been agreed between the company and the resident.

The residents own the properties and are paying massive mortgages but have little or no control or rights in how the management companies operate.

The management companies are totally unregulated.

The Government has been promising for years that they will enact legislation to regulate these people.

This government is a developer friendly administration.

Mafia country

Padraic O’Connor, the former director of NCB has stated that he is not and never was a friend of Bertie Ahern’s. In spite of this Ahern is adamant that they were very good friends. In effect, Ahern is calling O’Connor a liar. It’s as if O’Connor said that black is black and Ahern retorted, no; black is white.

This kind of fantasy world speak is common throughout all of Ahern’s evidence to the Tribunal. Only a fool would believe he is telling the truth and only someone from Mars would be in any doubt as to what really happened.

So why is he still the Prime Minister, why isn’t he being questioned by the police, why is it that, as sure as black is black, Ahern will never be brought to account for any of his actions?

Less than a week ago it emerged that the UK Labour Party had received large donations from a businessman using middlemen to pass on the money.

The next day there was a resignation. Three days later an opposition politician asked the police to investigate the matter. To my knowledge this has never happened in Ireland despite years of rampant political and business corruption.

Four days later the UK Electoral Commission also asked the police to investigate. The Irish equivalent, The Standards in Public Office Commission is debarred by law from initiating an investigation until it first receives a formal complaint.

This commission is a joke. The law debarring the commission from acting seems to have had only one function – to assist and protect the corrupt.

The reason Ahern will not be brought to account is because Ireland is a corrupt state. There is no authority in Ireland with the power, will or courage to bring rogue politicians or corrupt businessmen to justice.

This is why corrupt politicians like Haughey and Burke can successfully live out careers of rampant corruption doing untold damage to Ireland and its people.

It’s the reason politicians like Lorcan Allen can go on RTE and arrogantly admit that he doesn’t bother with obeying the law.

He knows with absolute certainty that nobody, no authority in the land can touch him. Allen is merely doing what any ruthless and unprincipled politician will do when he knows that the country he operates in is a corrupt entity. He allows his greed and arrogance full rein despite the massive damage done to society by his actions.

Jim Flavin of DCC possesses the same arrogant confidence that is common to those who know they are untouchable.

Found guilty (2nd item) of insider trading by the highest court in the land, a crime that sees long jail sentences in real democracies, Flavin knows he has nothing to worry about, he knows that there is no authority in the land that will take any serious action against him, he knows that the pathetic attempts by the ODCE to make him accountable are just that – pathetic.

Financial institutions and in particular the banks have robbed millions from consumers over the years. Not a single bank official has ever been questioned by the police. The banks too are supremely confident that they operate in a country where the system is specifically geared to protect their criminal behaviour.

The so called Irish Financial Regulator is a joke, it monotonously issues just one piece of advice to consumers –shop around. You want advice on buying a car, a house, a condom, a politician, the regulator has the answer – shop around.

In the meantime it enthusiastically enforces a secrecy law that forbids any consumer from knowing which financial institution is engaged in criminal activity and which, if any, is honest.

Nobody has even hinted that Ahern should resign or be fired for his behaviour. The only discussion that comes near to any possible consequences is that he might have damaged his chances of landing a job in Europe or that the controversy might damage his legacy – that’s it.

A Prime Minister who, when he was Minister for Finance, accepted very large amounts of cash from ‘friends and businessmen’ who insults the intelligence of all thinking Irish citizens with his ‘Alice in Wonderland’ explanations is not expected to resign, not expected to be accountable, not even expected to come up with a decent lie.

Let’s be absolutely clear about the situation. Ireland is not a normal country, it is not like any other Western democracy. It is a country run more along the lines of a mafia operation than a modern democratic state. It is a country where the powerful can do as they wish without the slightest fear that they will face justice.

David Cameron, leader of the UK Conservative Party speaking about the ongoing scandal said;

“There is a time in the life of every government when it slips over from complacency into arrogance, and from arrogance into even indifference for the law”.

To paraphrase him, I would say: There is a time in the life of many states when they slip over from the democratic process and become a country that operates principally for the benefit of the rich and powerful.

The corrupt Haughey began that process in the 1980s and his faithful and admiring protégé Bertie Ahern, has been successfully following his masters low standards ever since.

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Fianna Fail
Standards in Public Office Commission
ODCE
Financial Regulator
Revenue
ISE
Dept. of Finance

Sunshine for the politicians; shade for the peasants

Prof. Drumm must be sick, sick that he accepted the job as chief executive of the Health Service Executive (HSE). Sick that he allowed himself to be duped into taking the job of reforming a heath system that has become an uncontrollable monster. Sick to witness the very people responsible for creating that monster; turn on him like a pack of vicious wolves.

For decades, Irish politicians were in charge of the health service and for decades they did what Irish politicians do best, used it as a means of buying votes. It was ‘jobs for the boys’ and to hell with the consequences.

There was a time when there were only two or three health boards but because every politician wanted a board in his area this number mushroomed into eleven. Imagine, eleven health boards to organise health facilities for about three million people.

This meant that there was eleven separate, grotesquely overstaffed, administrations choking the system to death and literally putting lives in danger. When the situation began to get out of control it was decided to abolish all eleven boards and replace them with a single authority that would bring reform, efficiency and, most importantly, a good health service to the Irish people.

To achieve this laudable aim job cuts would have to be made, work practices would have to change; civil servants would have to move, efficiencies would have to be made, some jobs would even have to be lost. In a nutshell, politicians would have to show courageous leadership and civil servants would have to cooperate.

This, of course, never happened. Instead, the cowardly politicians pretended to abolish the boards, it was all done – on paper. Not a single civil servant lost his job, nobody moved, there were no rationalisations or efficiencies. Everybody was still entitled to guaranteed promotions, guaranteed wage rises, guaranteed benchmarking – for life.

In effect, all that happened was the creation of a new twelfth health board. This was the mother of all health boards, it was going to supervise the inefficiencies and incompetence of all the other boards and for that it required and got a super bloated layer of administration staff.

From that moment, the grotesque monster was rampaging out of control and Irish citizens began to suffer even more, and at times, die. But the cowardly politicians had covered themselves well. In a by now common strategy, the HSE and in particular its chief executive was used as a buffer to distance cowardly politicians from the mess they had created. Mary Harney, the alleged Minister for Health, frequently suggests that the latest scandal is a matter for the HSE, nothing to do with her.

It must have been sickening for Prof. Drumm to listen to the wolf pack as they set about their work of abdicating responsibility in our national parliament yesterday; it was certainly vomit inducing for me. Here’s a flavour of what the cowardly incompetents had to say: (Full report on Drivetime, 3rd item)

Labour TD, Joan Burton spoke about the lack of trust that the public and politicians had in the HSE, about how impossible it was for politicians to get answers. No mention of political culpability.

Fianna Fail TD, Mary O’Rourke who has been in politics for decades, who has held several senior positions in government, who is a member of the party that has held power for more years than any other party, who, by dint of her cowardice, is one of the principal architects of the present mess, was ruthless in her condemnation of the HSE and in particular Prof. Drumm.

She related how she had recently left a boring session in the Dail to take a walk down to Brown Thomas. On the way she met eleven women all with horror stories about friends and relations affected by cancer.

Think about that, an Irish politician leaves our national parliament suffering from boredom, meets several distressed citizens and is incapable of making a connection between the two events. She then demonstrates a complete lack of intelligence by using the event to bolster her attack on Prof. Drumm as if it was he, rather than her that was responsible for their distress.

Fine Gael TD, John O’Mahony from Mayo spoke with the typical narrow minded parochialism, the hypocritical ‘but’ factor that Olivia O’Leary (Drivetime) spoke about. “I’m all in favour of centres of excellence” ‘but’ my constituency should keep its facilities.

Labour TD, Liz McManus spoke of the need for the establishment of a patient’s safety authority. Yet another layer of bureaucracy staffed by self serving unaccountable civil servants.

Fianna Fail TD, Margaret Conlon, amazingly, spoke the truth with clarity. “We cannot talk out of both sides of our mouths; we need to ensure that our resources are not spread too widely and too thinly because if this is the case, everyone loses.” Cleary, Ms. Conlon is a new TD and has yet to learn the mafia traditions of her chosen party.

Fianna Fail TD, Beverly Flynn would make an excellent tutor of those mafia traditions. A politician with no reputation to lose, daughter of a disgraced politician who had no scruples about cheating on his taxes and operating illegal offshore accounts, took the same narrow minded and hypocritical view as Fine Gael TD John O’Mahony.

Progressive Democrats TD and Minister for Health (without responsibility), Mary Harney, mouthed the standard and by now insulting apology to the victims.

Mary O’Rourke spoke about a dawn that is always promised but never actually dawns, that she was in despair over the health services.

Why would she be in despair? She exists in the unaccountable, grotesquely overpaid and arrogant world of Irish politics. She, like most of her colleagues, do not have the courage to actually do anything about the situation.

She only encounters reality when she wanders out of the rarefied world of our useless and boring parliament, she will never find herself in the situation of the eleven distressed women she met, she will never have to worry about a lack of medical facilities for herself or her family.

Her dawn and that of her colleagues arrived years ago when they created a system that provides constant sunshine for themselves, family and friends but leaves a large percentage of the people they claim to represent in the shade and some of them – condemned to the ultimate darkness.

Copy of this post to:

Prof. Drumm
HSE
Mary Harney, TD
Joan Burton, TD
Mary O’Rourke, TD
John O’Mahony, TD
Liz McManus, TD
Margaret Conlon, TD
Beverly Flynn, TD
Fianna Fail Party
Fine Gael Party
Labour Party
Progressive Democrats Party
Green Party