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A CLARE woman who endured a four-year sentence in a € 300,000 ‘debt prison’ has secured a 70-day protection period from her creditors.

The woman, who lives in Shannon, has a mortgage of € 329,000 with a financial institution, the Personal Insolvency Court in Ennis heard on Friday.

The Circuit Court heard the 30year-old secretary took out the mortgage on an investment property with her then boyfriend.

The relationship has since ended and it is thought the man has left the jurisdiction.

The court heard the woman has monthly repayments of € 1,600 and a credit card debt of € 3,600.

She is now living in rented accommodation. Judge Patrick Meaghan was told the investment property cost € 345,000 in 2007 but is now worth € 170,000.

The court heard the property is in poor condition with repair costs estimated at between € 20,000 and € 25,000. Judge Meaghan said he was satisfied to grant the protection certificate, meaning the woman now has 70 days to strike a deal with creditors.

The woman was not in court for the brief hearing, but was represented by Ennis based Personal Insolvency Practitioner (PIP) John Hogan.

Mr Hogan said the court’s decision would come as a relief to his client.

He said, “For 70 days she doesn’t have to worry about court appearances or things like that and just the level of hope that an arrangement can be reached”

Speaking to reporters after the hearing, Mr Hogan said the emotional toll of struggling with debt had been “huge” on his client.

“She has put down four years of virtual trauma from her point of view. She obviously suffered the effect of the break-up of a relationship and then as a consequence of that, to be left holding the proverbial baby with regards the mortgage”.

He said the volountary surrender of the property would have been ideal for the woman but she would have been left with the balance of the mortgage – € 200,000

Mr Hogan added, “It really is a life sentence. Most traumas that people suffer heal in time, but when it comes to finance, you’re getting that letter every week, that phone call.

“There are statements coming in. It never leaves. It’s like a continuous sense of trauma.”

“She really has and people like her have suffered virtually a three year prison sentence”.

Mr Hogan said people he believes the personal insolvency process offers hope to debtors and banks.

“The real hope for people is that they are not expected just to exist. They are expected to be able to live and be socially included.

“What’s actaully happening is that people are trying to pay as much as they conceivably can to satisfy their creditors at the expense of food, light and heat..

“This process actually turns the tables a little bit”

JUST over € 91,000 was paid out to eight of the nine members of Ennis Town Council last year.

The payments were made up of expenses, wages, and the cost of attending conferences and seminars, with the two councillors who served as mayor for six months each during the year accruing the largest payments.

Current mayor Cllr Mary Coote Ryan (FG) and former mayor Cllr Peter Considine (FF) received € 17,166 each.

The sum included the councillors’ taxable salary of € 8,362 as well as mayoral allowance of € 5,750. Cllr Considine’s expenses also included a trip to Charleston, USA, while mayor.

All town councillors are entitled to the taxable salary, with the exception of those who also serve on Clare County Council – Cllr Tommy Brennan (Ind), Cllr Johnny Flynn (FG) and Cllr Brain Meaney (FF).

The deputy mayors also receive a deputy mayoral allowance of € 2,625 for the six months of the year they serve. In 2013 that payment went to Cllr Brennan and Cllr Frankie Neylon (Ind).

Members of Ennis Town Council are also entitled to claim for 50 per cent of vouched mobile phone costs, as well as the cost of a mobile phone and other “IT equipment” and office costs such as printing.

Cllr Flynn was the only councillor not to receive any payment from Ennis Town Council as he did not claim any expenses. He also refused to claim expenses as a member of Clare County Council, receiving only his Clare County Council salary.

When it came to attending town council meetings, including specialised committee meetings, Cllr Mary Howard (FG) was top of the class, having been to 23 meetings.

Two thirds of the councillors however had a full attendance rate for the monthly town council meetings with everyone in attendance at the budget meeting.

“WILL the Euro survive?” was one of numerous conferences, foreign trips and “fact finding missions” attended by members of Ennis Town Council during 2013 that cost the tax payer a total of € 18,000 last year.

As many as six councillors – two thirds of the council – went to Langfeld in Germany as part of a town twinning investigation trip in May at a cost of more than € 5,000 to the council coffers.

Three councillors returned in October for the twinning ceremony Mayor Cllr Mary Coote-Ryan (FG), Cllr Mary Howard (FG) and Cllr Tommy Brennan (Ind) at a further cost of € 2,275.

Cllr Michael Guilfoyle (Ind) returned to the German town alone in September as part of a sporting and culture trip. The “sporting councillor” also attended the FAI Stakeholders Conference at the Aviva Stadium in Dublin.

The three-day “Will the Euro survive?” conference in Letterkenny, County Donegal, was attended by town mayor Coote-Ryan at a total cost of € 727.58.

In the course of the year the councillor, who was mayor from July to December attended three conferences, two trips to Langfeld in Germany – one as part of a twinning investigation trip and one for a ceremony, and fact-finding trips to markets in County Limerick, Dublin and Mayo.

Three other councillors – Cllr Tommy Brennan (Ind), Cllr Guilfoyle (Ind) and Cllr Peter Considine (FF) – also went on the market fact finding mission.

Among the other foreign trips was the six-day St Patrick’s Day trip to New York, undertaken by Cllr Brian Meaney (FF) at a cost of € 2,242.38 and a trip to Charleston by the then mayor Cllr Considine for the dedication of an Irish memorial. This cost € 1,830. Cllr Considine also attended three other conferences around Ireland during the year.

THE awards continue to roll in for the Cliffs of Moher Visitors Experience, with the North Clare tourism location involved in the business end of three separate awards over the past week.

This glut of awards and recognition comes in the wake of the best year for tourism number on record at the Cliffs of Moher – with almost 950,000 people visiting the world famous tourism site last year.

Management are hopeful of breaking the one million visitor mark this year – and maybe reclaiming the title of Ireland’s most visited tourism site for the Guinness Storehouse in Dublin.

The website of the Cliffs of Moher Visitor Experience has just been shortlisted for the Samsung Digital Media Awards in the ‘Best in Travel and Tourism’ category, with the results due to be released later this month. This comes just weeks after the website was shortlisted for the prestigious Eircom Golden Spider Awards, finishing runner-up.

“The website is designed to have a high visual appeal with full screen background images and exciting video and 360 degree image content bringing the site alive. It can be viewed on mobile devices including smartphone and iPad,” said Geraldine Enright of the Cliffs of Moher Visitor Experience.

“Visitors planning their trip have use of an interactive map with suggested walking routes and can even book their tickets online at a dis counted price. The website is fully integrated with social media including Facebook and Twitter, YouTube, TripAdvisor, Pinterest and Stumble- upon. The story of the Cliffs of Moher is told along a timeline reaching back into the distant past.”

Meanwhile, the Cliffs of Moher Visitor Experience last week was presented with a Silver Merit Award at the 2014 CIE Awards for Visitor Attractions. The awards are chosen from an independent evaluation of feedback surveys completed by over 17,000 CIE Tours International customers.

MEMBERS of Kilrush Town Council accumulated salaries and expenses to the total of € 72,114.97 last year.

The biggest earner was Cllr Mairead O’Brien (Ind), who was mayor for the first six months of the year and claimed € 11,046.55. As well as her councillor’s salary Cllr O’Brien was also entitled to a mayoral allowance of € 1,487.50 for the period.

Also influencing her council expenses last year was the St Patrick’s Day trip to New York, which cost the council € 2,045.88 and costs associated with the Kilrush Famine Commemoration which she worked on as mayor.

Cllr O’Brien also attends meetings of the Clare Local Development Company on behalf of the council ,which also added to her expenses list.

Current Mayor Cllr Paul Moroney (Ind) also received a mayoral allowance for the last six months of 2013 bringing his expenses to € 9,369.43.

All nine councillors received a basic taxable salary of € 4,160.94 as well as a tax free allowance for attending meetings of € 2,036.

Cllr Christy O’Malley (FF) who was seconded to the town council following the death of Cllr Stephen O’Gorman (FF) in February received a salary and an allowance for just 11 months.

Councillors were also entitled to receive a mobile phone allowance up to the value of € 400.

Not all councillors claimed expenses beyond their salary and meeting allowance however.

Cllr Tom Clyne (Ind) did not claim any conference or mobile phone expenses, while Cllr Moroney and Cllr O’Malley did not claim phone expenses. Cllr Ian Lynch (FG), like Cllr Clyne, did not have any travel expenses to conferences or seminars. The remaining seven councillors spent € 12,125 attending meetings, seminars and conferences outside of Kilrush.

Cllr Liam William (FG) was the least travelled of the seven however, claiming just € 74.44 for a trip to the Inn at Dromoland for the launch of the Integrated Plan for the Shannon Estuary.

With the exception of the AMAI conferences (a body which represents the interests of municipal bodies in Ireland) there were just five conferences that attracted more than one councillor.

Cllr Tom Prendeville (FF) and Cllr Liam O’Looney (FF) both attended the conference of Reconstructing the European Economy; Debt Relief in Ireland and a conference on Facing the fear of Alcohol and Mental Health in Ireland.

Cllr Marian McMahon Jones (FG) and Cllr O’Brien also attended the Tourism Annual Conference in Ennistymon on separate days, while Cllr O’Malley and Cllr Williams made their way to Dromoland for the launch of the Integrated Plan for the Shannon Estuary.

THE National Roads Authority (NRA) say that it has introduced a new system of ongoing maintenance on the M18, since the tragic death of 26-year-old student Vicky Courtney on a stretch the of road near Ballyline.

Ms Courtney died when her car veered off the motorway while driving in poor weather on November 18, 2012.

Following her inquest, which took place last September, Clare coroner Isobel O’Dea wrote to the NRA requesting that “a pool of water should not be allowed” to develop on the motorway.

According to an NRA spokesper- son, the organisation only assumed responsibility for maintenance on the M18 last September.

“The National Roads Authority fully agrees with the objective of the coroner’s statement in this regard,” said a spokesperson.

“Since this time, routine maintenance works have been undertaken including road sweeping and cleaning of gullies, slot drains and outfalls in addition to other general maintenance activities which assist with rapid drainage of water from the road surface.

“The NRA monitors and assesses the network under its direct control with a view to carrying out any maintenance or remedial works which might be required to improve road drainage and maintain the de- sign capacity of the drainage system. However, the possibility of the occurrence of surface water due to extreme weather events or other causes cannot be fully eliminated.

“In relation to the specific location on the north-bound carriageway of the M18 at Ballyline, the NRA is ensuring that our service provider is following their maintenance works. The installation of replacement pipework may be undertaken if the ongoing monitoring referred to indicates that this is warranted.

Ms Courtney’s inquest heard that she died when her red Peugeot spun 360 degrees after driving through a 15-metre pool of water lying across the fast lane. The car crashed into a barrier before overturning on the road.

THE cost of the unprecedented run of storms which battered the Clare coast over the past five weeks has grown to a massive € 36.8 million according to new estimates published yesterday by Clare County Council.

This means that more than € 12 million worth of damage was inflicted on the county over the past two weeks – with the giant sea swell and high winds of the St Brigid’s Day storm causing the lion’s share of this new damage.

This, coupled with the € 24 million worth of damage cause during the storm in early January, has left Clare County County with the possibility of a large hole in its budget should central government fail to make sufficient money available.

It was also revealed at last night’s meeting of Clare County Council that the local authority has already spent € 750,000 of its own money on repairs and clean-up operations to date.

County Manager Tom Coughlan admitted yesterday that the local authority has no budget for this € 750,000, admitting that the council was spending money that it did not have.

The council’s Corporate Policy Group (CPG) met before yesterday’s main council meeting and compiled a letter for the Government which stated that the council couldn’t, in good conscience, continue to spend money on repairs without central government giving firm details of the funding that will be made available. The most expensive storm damage was recorded in Lahinch where the council estimates that € 6.064 million will be required to fix damage done to the promenade and surround areas. The cost of repairs at Cloughaninchy in Quilty is now estimated at € 4.716, with the bulk of this going towards the re-construction of more than two kilometres of sea armour. There was also significant damage at Kilbaha in West Clare (€ 3.498 million) and New Quay in north Clare (€ 3.449 million) where roads and sea walls have been destroyed. Other badly damaged areas include Carrowmore (€ 1.628 million), White Strand/Doonmore (€ 1.550 million), Clahane in Liscannor (€ 1.487 million), Kilcredaun Irish College (€ 1.226 million), Carrowdotia, Moneypoint (€ 1.115 million), Doolin (€ 1.025 million) and Liscannor itself (€ 1.011 million). Serious questions have also been raised as to what agency or agencies are responsible for coastal defenses. There are 14 different agencies which have some interest in coastal and river flood defenses. “Until there is some clarity as to who is responsible for these areas this is going to be a very difficult project. We are all talking about providing leadership, but we cannot lead unless we know where we are going,” said county manager Tom Coughlan. “There are a lot of agencies involved, but there is no clarity who is responsible. We need a co-ordinated approach and that has to be led by Government. This is something that is outside the scope of Clare County Council.”

AN ATTENDANCE is excess of 10,000 is expected in Cusack Park this Sunday as Clare’s senior hurlers kick off their 2014 Division 1A National Hurling League campaign against Brian Cody’s Kilkenny.

The ground is expected to be able to host the fixture despite the inclement weather forecast for the week, with up to 12mms of rain possible on Friday. Clare come into the game on the back of a fourteen point loss to Tipperary in the Waterford Crystal Final under lights in the Gaelic Gounds on Friday night.

That game highlighted the gap between the All-Ireland champions and the other top hurling counties in terms of preparations according to Banner boss Davy Fitzgerald:

“We are way behind all the other teams in terms of work done. This time last year, going into the league we were eight weeks ahead of where we are this year.

“That’s the price of winning an AllIreland and we’re happy to pay it. It just means we might struggle in the early rounds of the league because we have an awful lot of work to do on catching up with the other teams. But we’ll knuckle down and we’ll get it done,” he told The Clare People this week.

Clare’s team won’t be finalised until closer to the weekend although it is expected to contain a couple of changes from the fifteen that started the All-Ireland final.

Cathal ‘Tots’ O’Connell and Seadna Morey are just two players expected to be pushing for starting places, while Peter Duggan, Shane Golden and Donal Tuohy are also in the reckoning.

Brian Cody is bringing a strong panel to Ennis, with Henry Shefflin expected to start the match. The Cats will be providing a guard of honour for Clare before the game starts.

WEST Clare Coastal Windpower has lodged plans for a windfarm to be constructed outside of Doonbeg, months after An Bord Pleanála rejected their previous proposal to build a controversial windfarm in the same area.

Plans were lodged with Clare County Council last week for the construction of nine electricity generating wind turbines at Carrowmore South, Einagh and Shragh – two kilometres south of Doonbeg village.

These wind turbines would have a central stack 85 metres high, with a rotor diameter of 82 metres.

This would give a total height of 126 metres or 413 feet – or well over half the height of the Cliffs of Moher.

Besides the turbines themselves, the new planning permission also includes the construction of hardstandings, a control building, an electrical compound, a permanent meteorological mast as well as associated site roads.

Last July, An Bord Pleanála refused planning permission for what was described as an “industrial scale” € 200 million wind farm in the same location as the current proposal.

This proposal included 45-turbine each of which were in excess of 400 feet.

The proposal caused a rift in the local community with 79 landowners in the area missing out on a significant cash payment to lease their land for the windfarm.

One of the grounds for refusal was the pollution threat the windfarm posed to Doonbeg river that contains 5,000 freshwater pearl mussels – the highest concentration of the species in Clare.

The original decision followed a six-day oral hearing into the wind farm in April of last year, at which the country’s foremost authority on the mussel, Dr Evelyn Moorkens, said that if nothing was done to secure the future of the mussel, the species would become extinct there over time.

A decision on the proposal is not due for some months.

MAGOWNA House in Inch is the latest Clare hotel to go under the hammer at an Allsop Space Auction with a reserve price of € 350,000.

Last year at the auction, Ashford Court Hotel in Ennis was sold to Clarecastle businessman and farmer JJ McCabe for € 305,000.

The millionaire also bought the Kilkee Bay Hotel that failed to sell at the same auction in a private deal afterwards.

Now the sellers of the 10-bed Magowna House are hoping for similar success.

Three two-bedroom cottages and an 18-hole pitch and putt course are also part of the sale.

The hotel is not the only property for sale at the February 25 auction however.

16.67 acres of land in Doonbeg, as well as an apartment at Town Court, Shannon and 22 acres of land at Ard- nacrusha are also to be sold off.

The “irregular-shaped plot of land” at Doonbeg is being offered with a reserve of € 75,000.

The 60-square-metre apartment in Shannon will sell for no less than € 20,000.

The two-bedroom property is on the first floor and includes off street parking.

Meanwhile a parcel of land in Ardnacrusha extending to approximately 8.963 hectares (22.13 acres) will go on sale with a reserve of € 75,000.

This irregular-shaped plot of land is subject to a tenancy expiring in March 2015 at a current rent of € 450 per annum.

The Clare properties and land are just five of 190 properties to go under the hammer in the RDS, Dublin, on February 25 starting at 9am.

Allsop Space director of auctions Robert Hoban maintained that no repossessed family homes would be sold at any of the company’s auctions.