The Central Bank of Ireland (Dublin HQ above) was harshly criticised by TDs and Senators for the length of time it had taken to hold financial institutions to account over the scandal and accused of a “dereliction of duty” over its handling of the issue. File photograph: Niall Carson/PA Wire

Mortgage scandal described as ‘greatest consumer rip-off in history of the State’

Philip Lane, governor of the Central Bank,  arriving for the Oireachtas committee meeting at the Dáil with Derville Rowland (left), director general of finanancial conduct, and Sharoin Donnery (right), deputy governor of Central Bank. Photograph: Cyril Byrne/The Irish Times

Governor says Central Bank has no power to force banks to restore tracker mortgages

Philip Lane, governor of the Central Bank, arriving for the Oireachtas committee meeting at the Dail with Derville Rowland (left), director general of finanancial conduct, and Sharoin Donnery (right), deputy governor of Central Bank. Photograph: Cyril Byrne/The Irish Times

Bank’s governor says customers affected are entitled to redress and compensation

The Central Bank of Ireland is “the only game in town”, says financial consultant Padraic Kissane. Photograph: Alan Betson

Not sure what the scandal is about or whether your mortgage is affected? Read on

 Governor Philip Lane. The Central Bank has defended the pace of its inquiry, which started two years ago. Photograph: Cyril Byrne

Philip Lane says not all lenders addressed ‘unacceptable failings’

Case studies: Victims of tracker mortgage scandal speak out about their ordeal

The Central Bank in Dublin. File photograph: Matt Kavanagh

How badly have the banks behaved? Could it happen again?

The CCPC is acting in the wake of reports that some nursing home residents have been charged as much as €20 if they attend religious services and as €100 a week for other activities. Photograph: Getty Images

Competition and Consumer Protection Commission says it has information ‘which raises serious concerns’

The aim of the scam is to encourage those who see a missed call on their phone to ring the number, after which they will be ripped off. Photograph: Getty Images

Thousands of phone users targeted in telephone scam using international numbers

Taoiseach Leo Varadkar said “as a Government we have lost patience” with the banks over the tracker mortgages issue, and described the controversy as “scandalous”. File photograph: Gareth Chaney/Collins

Action including sanctions to be taken if banks do not move to solve issue – Taoiseach

Governor of the Central Bank Philip Lane has defended the pace of the inquiry into tracker mortgages, which started more than two years ago. Photograph: Alan Betson

Central Bank issues warning over overcharging

Only 23 per cent of the 13,000 mortgage borrowers who were wrongly moved from their tracker rate have received redress and compensation so far, the Central Bank has said.

Number of people affected by scandal rises to 13,000 and is likely to increase further

One in four people sitting on any plane has at least some fear of flying, with one in 10 suffering badly. Photograph: Getty Images

A fear of flying makes sense during a storm, but what about the rest of the time?

Dublin Airport: more than 25 per cent of flights to and from it were cancelled, although the Dublin Airport Authority said a secondary runway had operated for much of Monday afternoon despite the high winds.

Ryanair, EasyJet, Aer Lingus and Flybe halt many flights but secondary runway operates

People watch waves splash over the wall on Coast Road Clontarf, ahead of Hurricane Ophelia hitting Dublin. Photograph: Dara Mac Dónaill/The Irish Times

Here is what to do if your house is flooded, your car is damaged or you miss a flight

“We are regularly asked to vacate a seat by passengers who have booked online and have reserved a seat,” says an irked Irish Rail user, who says the signage does not always reflect such bookings. File photograph: Frank Miller/The Irish Times

Regular user ponders lack of ‘reliable system’ so passengers can avoid taking reserved seats

Carlow Institute of Technology. Photograph: Paddy Whelan

Funds will allow major building projects in 11 third-level institutes across the State

William Prior, the Phoenix Project. Photograph: Brenda Fitzsimons

Phoenix Project says courts should wait until new mortgage-to-rent scheme is in place

The six months of winter will cost us an average €570 more on gas and electricity than the six months of summer.

How the season’s cold, dark nights can make your wallet a whole lot lighter

Boats moored at Carrick-on-Shannon, Co Leitrim. Photograph: Dara Mac Dónaill

Fáilte Ireland want to create a new Way to follow the success of the Wild Atlantic and Ancient East

The Central Bank published new figures showing 12,500 customers were identified up to the end of June as having their mortgages changed.

Call comes as new figures show 12,500 customers had mortgages changed

 Padraic Kissane (left) following a Finance committee meeting.Photograph:  Gareth Chaney Collins

Up to 30,000 homeowners may have been wrongly removed from tracker mortgages

Tracker mortgage scandal: As a result of the banks’ negligence - wilful or otherwise - people were unnecessarily put under huge financial pressure

Q&A: Conor Pope explains the home-loan controversy

(Left-right) Helen Grogan, Hazel Melbourne, Padraig kissane, Thomas Ryan and Niamh Byrne arrive at Leinster House in Dublin, to give evidence during the Oireachtas Finance Committee. Photograph: Niall Carson/PA Wire

Homeowners tell of trauma, stress and trickery over higher than necessary repayments

The trickle of customers who came into Colm’s Shop on Dublin’s Townsend St ahead of the lunchtime rush on Thursday afternoon were conflicted about the sugar tax and the hike in the price of cigarettes.

‘You could probably improve the way people eat without hitting their pockets’

 People who bought between January 1st 2004 and the end of 2012 will get at least some relief on their mortgage payments until 2020. File photograph: Rui Vieira/PA Wire

Budget move to close scheme will increase cost of 300,000 loans

Tan tax: VAT on sunbeds is rising from 13.5 to 23 per cent. Photograph: iStock/Getty

Otherwise, Budget 2018 found a little – perhaps tiny – something for everyone

Third price hike in two years will take price of 20 cigarettes to €12

Photograph: Lewis Whyld/PA Wire

Measure could raise €40m a year but reaction to its introduction has been mixed

 Centra, Supervalu and Daybreak stores were targeted by cybercriminals. Photograph: Dara Mac Dónaill / The Irish Times

Supervalu, Centra and Daybreak stores were targeted by criminals attempting to steal numbers and expiry dates of credit cards

Hotel toiletries, one of the most common items taken from hotel rooms around the world. Photograph: Getty Images

Vodka tumblers, a ‘fancy bag’ ... Readers and hotel staff share their tales of theft

“If you are just a retailer now you are going to have to be a tech company tomorrow.” Photograph: iStock

Traditional retailers are turning to ‘experiential shopping’ to compete

Electric Ireland has become the third energy provider to announce an electricity price increase this week. Photograph: iStockphoto

Price increase follows others announced by Bord Gáis Energy and Airtricity this week

National potato day: try Maris Piper for making chips and for roasting. Photograph: iStock/Getty

We don’t eat as many as we used to. But we know how to grow them in space

Ryanair letter: Michael O’Leary said he was criticising rival airlines’ pilots, not his own, at last month’s agm. Photograph: Niall Carson/PA Wire

‘Our members have experienced Ryanair promises before,’ says Ialpa

Reader query: Aer Lingus ignored me when my bag went missing before cruise

Brennans Bread

Among those we didn’t mention were Chef, Baileys, Aer Lingus and a certain newspaper

Eir: “Our customer care team has been in contact to apologise.” Photograph: Maxwells

A long-time Eir customer got more than she bargained for when signing up for a bundle

Ryanair boss Michael O’Leary  has been accused of insulting the Oireachtas transport committee by failing to attend a hearing over the flights cancellation controversy. Photograph: Niall Carson/PA Wire

Ryanair chief’s absence is described as ‘insulting’ at Oireachtas committee meeting

John O’Dwyer,  chief executive of VHI. File photograph: Aidan Crawley.

Insurance consultant says news highlights need to shop around prior to policy renewal

Ryanair is likely to come in for more flak at the Oireachtas committee on transport on Wednesday. Photograph: Clodagh Kilcoyne/Reuters

In Strasbourg speakers accuse airline of ‘slavery’ conditions and of misleading people

The ‘Hospitality Hero’ award went to  James and Beryl Kearney and Gary O’Hanlon of Viewmount House in Longford.

Georgina Campbell award winners include Dax restaurant, Twelve Hotel and Dromoland

At the end of the third quarter, 4,275 properties in Dublin were listed for sale on, representing 0.9 per cent of the city’s housing stock. Photograph: Dominic Lipinski/PA Wire

Double-digit price increases set to continue next year, report forecasts

A Ryanair spokesman said the airline ‘tries to accommodate such reasonable rerouting requests using a guideline (only) of three-times the original airfare’. Photograph: John Stillwell/PA Wire

Airline criticised over restrictions for passengers hit by cancellations

Guinness is sold in more than 150 countries, with 10 million glasses downed every day. Photograph: Peter Macdiarmid/Reuters

The search continues for Irish brands Irish people could not imagine the world without

A Ryanair Boeing 737 at Dublin Airport. Photograph: Aidan Crawley/EPA

Airline agrees to implement measures to ensure customers know their entitlements

Ryanair issued a clarification email on Friday to all affected customers outlining their rights to refunds and flight changes, including being rerouted on another Ryanair flight or completing their journey with other providers and receiving expenses. File photograph: Kevin Coombs/Reuters

Regulator welcomes airline’s commitment to ensure passengers know their rights

An Aer Lingus spokesman said 68 of the passengers affected by the cancellation were rebooked on to a later flight to Ireland on Thursday evening. File photograph: Cyril Byrne/The Irish Times

Customers frustrated after airline pulls Lanzarote-Dublin flight

 A member of staff in The Irish Times was lucky enough to snap up a Super Nintendo Entertainment System (Snes) console

Gaming console already re-selling for as much as €600

SSE Airtricity customers are facing an increase in their bills from November 1st.

Firms blames rising network charges and energy costs for €50 per year average increase

Ryanair on Friday  issued updated passenger compensation information following the setting of a deadline by the  Civil Aviation Authority. Photograph: EPA

Airline issues statement after regulator imposed 5pm deadline to inform customers

Ryanair customer service at Dublin Airport. File photograph: Niall Carson/PA Wire

Many Irish passengers to be affected by airline’s second round of mass cancellations

Why have Ryanais cancelled more flights? File photograph: Alan Betson

What is the airline up to now and what rights to passengers with cancelled flights have?

London Gatwick to Belfast route one scrapped by airline over winter months

Ryanair chief executive Michael O’Leary. The company said it expected its guidance for profit after tax would stay unchanged at between €1.4 billion and €1.45 billion. Photograph:  Aidan Crawley/Bloomberg

Cost of last week’s flight cancellations ‘should be under €25 million’, says airline

Ryanair said that  by slowing its growth it would eliminate ‘all risk of further flight cancellations’. Photograph: Stephanie Lecocq/EPA

Company to slow growth by flying 25 fewer aircraft in winter and 10 fewer in summer

David Hall was behind the establishment of iCare Housing, a not-for-profit approved housing body. Photograph: Collins Courts

Irish Mortgage Holders’ Organisation says it is a ‘hugely significant day’ for strugglers

Remember a time when having an airline ticket – a ticket that had all sorts of layers of carbon copies – was essential if you were to get from A to B? Not any more

Biometric passports, phone boarding passes ... travel is unrecognisable from 2007

Ryanair cancellations: the airline says that 305,000 alternative routings or refunds – or more than 97 per cent of affected customers – have been processed. Photograph: Chris Ratcliffe/Bloomberg

Investors should recognise employees’ value, says European pilots’ association

Ryanair aircraft on the tarmac of Charleroi Airport in Belgium. Photograph: Stephanie Lecocq/EPA

We recount some of the remarkable tales generated by Michael O’Leary’s high-flying baby

Laurence Carpenter with costumes worn by Madonna (€16,500) and David Bowie (€7,600)  for sale at the 52nd Irish Antique Dealers Fair at the RDS. Photograph: Fran Veale

Silver spoons and memorabilia at 52nd Antique Dealers Fair taking place at the RDS

Michael O’Leary had said on Thursday that pilots got very well paid for doing what is “a very easy job”  Photograph:  Niall Carson/PA Wire

Pilots rule out short-term action but consider long-term options

A Ryanair jet  comes in to land   at Dublin airport. Photograph: Clodagh Kilcoyne/Reuters

Airline in significant U-turn amid rolling cancellations due to rostering issues

Earlier this week, the airline wrote to pilots offering them bonus payments of up to €12,000, deferred for a year. Photograph: Bryan O’Brien

Further flight cancellations loom as airline’s roster solution deemed inadequate

A spokesman for MyTaxi said  the change was being rolled out in order to make the company ‘more attractive’ for drivers.  File photograph: Alan Betson/The Irish Times

The company says the additional charge is being rolled out in order to attract more drivers

What has been very stressful for some passengers has been problems with the Ryanair website and the difficulty of making contact with the airline.  Photograph: Bryan O’Brien

Stress, disappointment and anger continues for some of the airline’s stranded passengers

Minister for Housing Eoghan Murphy, speaks to the media about the Residential Tenancies Boardâ’ s latest Quarterly Rent Index Report on the opening day of the National Ploughing Championships in Screggan, Co Offaly. Photograph: Laura Hutton/Collins Photo Agency

Rental costs up 6.6% in year to June, setting new record, Residential Tenancies Board finds

Ryanair’s Michael O’Leary during  Monday’s press conference. Between four and six flights into and out of Dublin Airport will be cancelled by the carrier every day between now and  end of October. Photograph: Niall Carson/PA Wire

O’Leary apologises for ‘mess’ that will see 48 flights every day cancelled across Europe

Sitting under an “Always Getting Better” banner, O’Leary explained how things had got a whole lot worse both for his airline and for many of its passengers in recent days. Photograph: Nick Bradshaw

While Ryanair can break up with you, they are banking on you not breaking with them

If Ryanair cancels your flight it must offer you the choice of an alternative flight at the earliest opportunity or at a later date of you choice, subject to the availability of seats or a full refund of the ticket. Photo: Gareth Chaney Collins

Why is the airline cancelling flights and how can you claim compensation

The Free Wifi Finder app uses GPS to find wifi hot spots all over the world. Find a network where you are, and use the Skype or Viber apps to make calls at no cost.

Conor Pope’s favourites: LoungeBuddy, Wiki Voyage, Ryanair ... oh hang on, maybe not

Ryanair said it will  cancel 40-50 flights every day up until 20 September. Photograph: PA

Passengers hit by Ryanair’s rolling flight cancellations have clear rights under law

Ryanair boss Michael O’Leary during a press conference in Dublin where he has admitted the cancellation of flights due to pilot holidays is “a mess”. Photograph: Niall Carson/PA Wire

Michael O’Leary apologises for ‘mess’ and says airline will pay compensation to passengers

Just as Ryanair  was cancelling flights over the weekend it was sending out emails to customers boasting about the low fares coming down the tracks

Has the ‘low fare airline’ moved closer to being the ‘don’t care airline’?

Fashion tops the list of online purchases, at 59 per cent, followed by electrical goods on 39 per cent and books and stationery at 38 per cent. Photograph: Eva Katalin Kondoros/iStock

What will happen to our high streets if everyone goes online to shop?

Ryanair chief executive Michael O’Leary: Airline has yet to reveal which flights will be affected after Wednesday, which has prompted anger among many whose trips  hang in the balance. File photograph:  Getty Images

Aviation law expert expects airline to have lawyers ready and ‘to put up all sorts of obstacles’

‘This is an utter shambles,’ one Ryanair customer  said. File photograph: Bryan O’Brien / The Irish Times

Readers share their stories after airline cancels up to 50 flights a day over the next six weeks

Legislation forcing house sellers to pay water charges still in place

The new Irish Ferries ship, which cost €144m – a big boat that needs a big name – and the public is being asked to choose it

Irish Ferries has asked the public to name its newest boat. Did they learn nothing from Boaty McBoatface?

 Justina Juszczak of  Polish beverage maker Victoria Cymes. Over 3,000 food industry professionals attended the  National Food and Drink Conference at Citywest in Dublin on Wednesday.  Photograph:  Nick Bradshaw

Brexit strategy: Bakery company Foods of Athenry does a quarter of its business in the UK

Mella Frewen: “Everyone in Brussels is getting very nervous and there is a huge amount of Brexit fatigue.” Photograph: Nick Bradshaw

‘I don’t think people appreciate what is coming,’ Dublin food conference hears

“All Ryanair tickets are non-refundable, as stated in our terms and conditions,” a spokeswoman said. Photograph: Alan Betson/The Irish Times

Kerry family forced to cancel trip due to operation and chemotherapy, but refund and credit note refused by airline

In What Are You Working For? Philip Boucher Hayes finds people willing to talk about their earnings. Photograph: RTE

What Are You Working For? Philip Boucher Hayes explores issues around salaries in Ireland

Fiona’s son arrived at the gate and was not allowed in because Ticketmaster had cancelled his ticket

Pricewatch: Mother unaware ticket had been cancelled until son was refused entry

House sales nationally climbed by 8.4 per cent in the first half of 2017 when compared with the same period last year. File photograph: Cyril Byrne

Property sales in Meath up 43%, Wicklow up 21% in first half of 2017, finds

From WhatsApp to Loylap, Revolut to RevApp, these free apps are worth downloading

Which umbrella reigns supreme – the Blunt, Senz XXL, Totes or Penneys? Let’s compare

Ciarán Hogan of the Clockwork Door on Wellington Quay organised the coffee giveaway

Ciarán Hogan organised giveaway in reaction to news of another Starbucks opening in city

A survey found 89 per cent of people said the smell of bread made them happy, with 63 per cent saying it evoked happy memories. Photograph: iStock

Researchers have discovered why the scent of a loaf triggers feelings of wellbeing

The Cabinet has formally agreed to refund water charges to householders by the end of the year

The Cabinet has agreed to refund water charges to householders by end of the year

Independent coffee shops say it is hard to compete against Starbucks. Photograph: Getty

‘I blame Irish people, they think it is hip and cool to walk around with a Starbucks cup’

Hugh Maguire wins the Golden Fork for his smoked black pudding.

‘This time last year this product wasn’t even incubated,’ says Golden Fork winner

The Bridges of Ross on the Loop Head Peninsula, Co Clare. Photograph: Alan Betson, The Irish Times

We asked readers to name the places in the world – near and far – that they most love

There are many shop-bought smoothies out there, but which is the best?

While third-party sites offering Esta services are bad value, they are not strictly speaking “scams” as those who use them do actually get their Estas.

A reader fears use of site charging too much for US travel authorisation may be ID theft

Lobby group wants Government to defer the measure. Photograph: iStock

Irish Beverage Council continues rearguard action against ‘unjustified’ sugary drink levy

Mind-boggling: entering C3 instead of CE at Stillorgan Luas stop earned William an €80 fine. Photograph: iStock

PriceWatch: According to NCPS there’s a right and a wrong way to write a zero

The new pricing survey from the Institute of Professional Auctioneers and Valuers (IPAV) puts the average cost of a family home in selected areas of the capital at just under €518,000, more than twice the State-wide average. File photograph: Frank Miller

Auctioneers and valuers say prices to keep rising but State not facing another bubble

Financial consultant Padraic Kissane said he had been investigating the issue for more than two years

Financial consultant claims employees were afraid of speaking out in case they lost their jobs

Junior Infant Luca McGlade at St Olaf’s NS, Balally Drive, Dundrum. Photograph Nick Bradshaw/The Irish Times

Rising cost of transition year and voluntary contributions listed as source of anxiety

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