Another chance to meet your LEP helpers – this time with your EU problems

But, of course, if we do Brexit, this will not be all that useful!

Technical Assistance European Structural and Investment Funds (ESIF) Applicants

Register now for European Regional Development Fund (ERDF) Information Events

April 2016 will see the launch of a new round of ERDF funding opportunities. In the Heart of the South West, monies are expected to be available to support:

Initiatives to further innovation in the marine, environmental futures, big data and healthy ageing areas of economic activity in Devon, Plymouth and Torbay only;
Activity to support the start-up and growth of social enterprises in the Heart of the South West;
Enterprise/incubation space in the Heart of the South West where the market has failed to provide and there is evidenced unmet demand;
Activity to support SMEs to take advantage of new digital technologies in the Heart of the South West.

To aid potential applicants in preparing for and engaging with these ERDF funding opportunities, the Heart of the South West Local Enterprise Partnership is holding two half-day ERDF information and networking events.

Events will take place from 13.30 to 16.30 on:
Wednesday 16 March 2016 at the Westpoint Centre, Clyst St Mary, Exeter, EX5 1DJ;
Thursday 17 March at Taunton Rugby Football Club, Hyde Park, Hyde Lane, Taunton, TA2 8BU

Local businesses: LEP volunteers will show you how to make you more productive and successful ….

Heart of the South West Pop-Up Business Cafes

Exeter – 5 April 2016:

Fresha Limited
23 Bittern Road
Sowton
Exeter
Devon
EX2 7LW

tel : 01392 44 77 01
fax : 01392 44 77 02

18 April 2016

Organised in the lead-up to the Growth Hub, from March until the end of April, HotSW LEP will run a series of Pop-Up Business Cafés at established café venues across the area. These will be informal events co-hosted with a local business organisation offering free, one-to-one ‘no pressure, no sales pitch’ advice from volunteer business experts. The Business Cafés are for budding and experienced business leaders and entrepreneurs.

The business cafés aim to raise awareness of the benefits of business support and the range of support available to them locally to make their organisation more productive and successful.

The service is a forerunner to the main service for all element of the Growth Hub which will start very soon. The HotSW website will be regularly updated with the latest events in your area, in the meantime the following events have been arranged:

March
Tue 15 – Shaul’s Café, Bridgwater
Wed 16 – Plymouth Science Park
Thu 17 – Riverside Café, Taunton
Fri 18 – Jelly Café, Newton Abbot & Yeovil Innovation Centre
Tue 22 – Plymouth Skills Summit – Guildhall, Plymouth
Thu 24 – Rumpus Cosy – Plymouth Social Enterprise Network Focus

April
1 April – Old Church School, Frome
5 April – Wavemark, Ivybridge
6 April – Fresha Café, Exeter
12 April – Lilico’s, Barnstaple
13 April – Gerties Café, Bideford
19 April – Enterprise Hub, Tavistock

The Pop-Up Business Cafés will run from 8am to 12 mid-day.

http://us4.campaign-archive1.com/?u=4e59660292bd6b4a5c7d7b8a7&id=dae36e0b59&e=fa5cdb1f18

All those new jobs for “Greater Exeter” – we might need to think again!

Exeter has come top on the list of cities with the most jobs that will be lost to robots.

Roughly one-in-11 vacancies across the UK currently being advertised are likely to be obsolete by 2035, according to new calculations from jobs website Adzuna.

Of the 56 major UK cities studied Exeter has the highest proportion of job at risk, with 9% likely to eventually be replaced by robots.

The sorts of jobs at risk include billboard installer, tree trimmer and fence builder. …

… The report showed that of 56 major UK towns and cities studied, Exeter was revealed to have the highest proportion of advertised vacancies at risk of automation, with almost nine per cent of all ads for jobs in the city being for roles Oxford University researchers think very likely to be replaced by robots within 20 years.

Doug Monro, Adzuna’s co-founder, said:”The risk of a robot invasion on the Devon coast might sound fanciful, but there’s a serious message for younger workers, whether they’re looking for their first job, or are comfortably in a career: if you want to remain relevant in the workplace, you need to develop skills that cannot be easily automated.”

http://www.exeterexpressandecho.co.uk/Exeter-tops-list-jobs-lost-robots/story-28819478-detail/story.html

What happens when “economic growth” spirals out of control

Lots of (poorly paid, temporary and zero- hours contracts) employment, massive “growth” and disastrous consequences. Coming soon to a town near you – perhaps Cranbrook when the supermarket depot opens on its doorstep and more companies relocate to its “enterprise zone”?

Police say they have safety concerns about overcrowded houses in the town where one of Europe’s largest sports retailers is based.

Sports Direct employs at least 3,500 agency workers at its site in Shirebrook, Derbyshire.

While filming in the town, the BBC was shown houses “carved into flats”, including one with rooms partitioned down the middle of its windows.
Bolsover Council admitted it was caught off guard by the influx of workers.
Figures obtained by the BBC also show 46 housing complaints relating to overcrowding, repairs and conditions were made from April 2015 to 21 December last year – up from 16 in 2005 to 2006.

The Sports Direct agency workers, largely employed in the company’s warehouse, come mainly from Eastern European countries like Poland, Romania, Bulgaria, Latvia, Lithuania and Albania.

There are 500 permanent staff at the site.

The council estimates 1,500 people have moved to Shirebrook – which has a population of more than 13,000 – in the last four years, with many renting rooms in houses near the company’s headquarters.

Police community support officer (PCSO) Steve Cathcart said: “There’s been an influx of Eastern Europeans and the landlords that own the houses are carving these houses up into flats.

“Our concern is the fire risk, the safety to these people that are moving in.”

Police said more than 30 properties in the area were a particular worry.

The police said one of the occupants in the house where two rooms had been visibly partitioned up to the windows works at Sports Direct, but added the resident had “no fire doors”.

Bolsover councillor Karl Reid, who is responsible for community cohesion, admitted the authority had not adequately prepared itself for the sudden increase in Shirebrook’s population.

“[On the window dividers] that is not acceptable and that will be investigated,” he said.

“It was a gradual thing, then suddenly there was a massive spurt. I think that’s where we may have got it wrong or we weren’t on the ball for it, and I have to accept that.”

The authority said it had introduced public spaces protection orders to stop people drinking and urinating on the town’s streets.

It said it was also closing off a footpath near Sports Direct because of anti-social behaviour, including human defecation.

Since November, it said 20 fines have been handed out – 19 for drinking and one for urinating – to people in breach of these orders.

Mr Reid added Sports Direct’s senior staff was working with them for the first time in more than a decade.

The company – which has declined to comment – are part of a multi-agency group called Shirebrook Forward.

“They’ve changed their tack,” Mr Reid said.

“They’ve now – over the last six months – come to us and engaged with us on a senior management level.”

Sports Direct said in December they will be reviewing all agency workers’ terms and conditions after the firm was criticised for its employment practices.

That review will be overseen by majority shareholder Mike Ashley – who also owns Newcastle United Football Club.

Sports Direct has previously come under fire over staff searches and poor working conditions.

http://www.bbc.co.uk/news/uk-england-derbyshire-35604776

In 2014 our enterprise partnership had an income of £250,000 so how come it can now run Devon and Somerset?

Here is an interview the LEP CEO, Chris Garcia, gave in February 2014:

“We have core funding but we are not a Regional Development Agency. I get £250,000 as core funding per annum and there’s some money to pay for contractors so you can see that’s not a lot of money.”

http://www.westernmorningnews.co.uk/Q-HotSW-LEP-chief-executive-Chris-Garcia/story-20658175-detail/story.html

Was this including salaries of Board Members and staff – we don’t know because they don’t publish accounts.

He then went in to say, in the same article:

… Partnership is fundamental to us. My view is that the LEP is there to facilitate and build those partnerships that will make a difference.

Q) That sounds like a public sector approach when the LEP is meant to be private sector-led. What’s your response to that?

A) Investment comes from two sources –the private sector and public sector. Our role is to maximise both so we can’t just say we’re only private sector. We have to recognise that the £200 billion that is out there is money controlled by the public sector and distributed by the public sector. If I’m to maximise the amount of money that comes into the South West, I have to satisfy the National Audit Office and government departments. We have to recognise that’s fundamental – but at the same time we need the flexibility to work however we wish. …”

However they wish – hmmm.

For anyone wanting to understand the history of LEPs (originally having taken over Regional Development Agency assets and tied in only with Enterprise Zones) this is useful reading:

https://www.gov.uk/government/publications/2010-to-2015-government-policy-local-enterprise-partnerships-leps-and-enterprise-zones/2010-to-2015-government-policy-local-enterprise-partnerships-leps-and-enterprise-zones

How our LEP (secretive, unaccountable, non-transparent, politically-appointed business people whose only driver is “growth”) suddenly morphed into a group capable of taking control of millions and millions of pounds of our assets, potential grants and direct income from all of us in Devon and Somerset – as well taking responsibility for “health and well-being” AND directing where Housing IN ADDITION to that in neighbourhood and Local Plans should go, is not covered in that document and remains a mystery.

Whose idea WAS it to give this small group such a lot of power?

Hinkley Point decision: substance or spin?

“We have the intention to proceed rapidly with the investment decision for Hinkley Point,” EDF CEO Jean-Bernard Levy told reporters.

He added that EDF had not yet finalised talks with its Chinese partners before the Chinese New Year break. “Today we estimate this final decision is very close,” he said.

Levy said it would take about three years, possibly a bit more, of study and work with sub-contractors before EDF will begin building the first definitive structures on the Hinkley Point C site, though the company will do terracing and other preparatory work between now and then.”

http://uk.reuters.com/article/uk-edf-results-britain-hinkley-idUKKCN0VP1TU

Er, not quite a decision then, more a bit of spin?

And, still, we need a BREXIT strategy … how much more will it cost if we are not EU members then?

“Growth” and zero hours contract hell

When you read all those promises of 1,000 jobs to be created here and 500 jobs there, first realise that this is rarely the true number (in East Devon recently such promises led to only half the number of jobs originally promised at Premier Inn, Exmouth, for example) and the read this article on zero hours contracts – a favoured method of employment in many companies:

Employers counter any criticisms of the use of zero-hours contracts by arguing that employees like the flexibility. The ONS findings, and discussion with those on the contracts, suggest otherwise. In Liverpool, a young mother with two children told me over a cup of tea how both she and her partner were on zero-hours contracts. He had originally planned to meet me at their house as well, but had been offered more hours and felt that the precarity of the contract meant that if he turned it down, he would deliberately be overlooked for future shifts. By the end of the week, he would have worked 70 hours.

The mother worked in a shop, alongside sales assistants on regular contracts. Her work ebbed and flowed with the seasons: more work at Christmas and over New Year, with sales and the festive run on gifts, and more shifts over the summer and Easter breaks, when the staff on regular contracts took their children on holiday. During school breaks, both rarely spent a whole day with their children, but the fear of the weeks where there was a shortfall in rent meant they’d never turned down a shift, even when sick. She told me that they were desperate for permanent contracts offering economic stability and a routine for their children, but were told they were lucky to have anything. …

… A Guardian investigation revealed appalling working conditions at a Sports Direct warehouse, where over 80% of the staff were employed on zero-hours contracts. The conditions included labyrinthine rules on uniforms, pay docked if staff were a minute late, and pay rates that were effectively below the minimum wage. It was able to get away with this because staff without guaranteed pay are effectively powerless, and have to operate at the whim of their employer. Parents who were too scared to take time off work told schools to keep children in when they were sick, rather than risk losing their job.

That’s the fear of zero-hours contracts: that one day, you find your hours have dropped to zero and you’ve effectively been sacked. You can’t challenge your employer over their decision, because effectively, contractually, they were doing you a favour by giving you any shifts at all. A man in his 40s in Redcar told me outside the jobcentre that he had been given no shifts by his construction firm for eight weeks. The jobcentre adviser insisted he was employed, so he wasn’t entitled to jobseeker’s allowance. If he left the job, he’d be deemed to have quit voluntarily … so wouldn’t be entitled to jobseeker’s allowance. This paradox is precisely why so many people are against zero-hours contracts: they make low-paid workers completely powerless, and let their bosses act with unaccountable impunity. Everyone deserves a fair wage for a fair day’s work, and to be able to depend upon it.”

http://gu.com/p/4gz27

Hope your children and grandchildren will be better off than you?

“The idea that each generation would be more fortunate than the last no longer applies and perhaps helps explain why young people feel that traditional politics has little to offer them. The political economy of the analogue age was based on the idea that people would have secure, full-time employment that would enable them to save the deposit on a home relatively quickly.

Two new reports show how that model has completely broken down.

The first comes from the Resolution Foundation, which launched an in-depth study of inter-generational fairness with a look at the housing market. …

… The idea that each generation would be more fortunate than the last no longer applies and perhaps helps explain why young people feel that traditional politics has little to offer them. The political economy of the analogue age was based on the idea that people would have secure, full-time employment that would enable them to save the deposit on a home relatively quickly.

Two new reports show how that model has completely broken down. The first comes from the Resolution Foundation, which launched an in-depth study of inter-generational fairness with a look at the housing market.

The findings are shocking. So-called millennials – those born between 1982 and 2004 are on average 16 percentage points less likely to own their own than their parents in generation X. They, in turn are 10 percentage points less likely to own a home than their parents in the baby boomer generation.

Advertisement

For those on low to middle incomes the situation has become particularly tough. As recently as 1998, more than half of those earning 10-50% of average national income had a mortgage. That figure has now dropped to one in four and will be around one in 10 within a decade on current trends. Owner occupation is increasingly becoming the preserve of the elderly and the well off.

It’s not difficult to see why it has become harder for a young person on a modest income to get a foot on the housing ladder: in the late 1990s it took them three years to save up for a deposit, while today it would take 22 years. Soaring house prices have been marvellous for baby boomers, who have often used their windfalls to create their own mini buy-to-let empires, but have been disastrous for generation rent. London has become a virtual no-go area for young people with ambitions to own a home.

Unaffordable country: where can you afford to buy a house?
Read more
Rising house prices are, however, not the only reason young people find themselves trapped in rented accommodation. The other factor is that they are struggling to make a decent wage in an increasingly insecure and casualised labour market in which low pay is endemic.

That emerges from the first in-depth study into the number of “crowd workers”, people who are paid for work through online platforms such as Uber, Upwork and Taskrabbit. Prof Ursula Huws of the University of Hertfordshire says that 5 million people are being paid through these online platforms, with more than 3 million of them regularly engaged in various forms of crowd work. Delivery drivers, cleaners, tree surgeons, plumbers are increasingly likely to get jobs this way, with the online platform taking a cut of whatever they earn. …”

http://www.theguardian.com/business/2016/feb/14/economics-viewpoint-baby-boomers-generation-x-generation-rent-gig-economy

Claire Wright’s speech on tax avoidance yesterday

“Before I begin I have a small announcement to make.

If you have got trouble paying your tax bill, don’t worry … I’ve had a word with George and said to just give him a call and he will do a deal with you. You might even get three per cent!

So, despite the public outrage, Cameron and Osborne STILL think that a three per cent tax deal from Google after a six year investigation is a “major success!”

What do we think about that?!

And despite our government lobbying the EU to PROTECT tax havens, ministers still insist that this country is leading the way in clamping down on corporation tax avoidance!!

What do we think about that?!

And despite HMRC getting a pasting last November by the public accounts committee for its record on tax avoidance, the Conservative government STILL insists that it’s doing a great job on getting companies to pay up!

Over the weekend news broke that six large companies, including AstraZeneca and Shell, have COMPLETELY avoided paying tax in the UK!

Using tax expert, Richard Murphy’s figures we have estimated that Devon could lose around £380m every year to corporation tax avoidance.

£380m is twice the adult social care budget and 22 times the children’s care budget. Effectively, it is equivalent to around an extra £500 for every person living in the Devon County Council area.

That’s money that could be spent on our schools, our hospitals, children’s services and the elderly. All these services are horribly underfunded and horribly under pressure.

Over the past five years £174m has been shaved off Devon County Council’s budgets. We have seen the closure of care homes, youth centres, children’s homes, bus cuts, highways related cuts.

But things are about to get worse. On 10 February (we think) MPs will vote on yet more massive council funding cuts. Devon County Council is set to lose around £28m. This will mean the axing of school crossing patrols, the arts and a raft of other cuts. The social care budget is so under pressure that its scrutiny chairman said last week that the risks of the budget cuts are “massive.”

So this demonstration is aimed at both drawing Mr Swire’s attention to the modern day scourge that is tax avoidance AND also to the forthcoming vote in the House of Commons and how important it is for him speak and vote against it.

And Devon County Council has already urged Devon MPs to vote against the funding cuts.

Mr Swire is a Foreign Office minister for the Commonwealth and responsible for economic and commercial diplomacy, and so in a sound position to press for action on this issue.

I wrote to him about this a few weeks ago but the only reply I received stated that the email was being forwarded to the treasury minister, David Gauke.

This is all very well, but I think we want to know what MR SWIRE himself is doing about corporate tax avoidance – and where he stands on next week’s council funding cuts vote!

Otherwise some of us might start to wonder whether a more appropriate title for him should be Minister for Tax Havens!!

I organised this demonstration BEFORE the Google scandal kicked off, but I am absolutely delighted that it has prompted this issue to dominate the news agenda. The white light of public scrutiny is the ONLY way that we will ever see the rules change on this.

One last thing this is a protest demonstration and we need to demand action verbally as well as visually.

How about:

Hugo Swire: No ifs, no buts, vote AGAINST the council cuts!”

LGA fights further government attack on council finances

From a correspondent:

The Local Government Association is taking a strong stand against very damaging parts of Housing and Planning Bill currently in the Lords. Fundamentally, the proposal is to tax councils for a third of their most expensive council homes, expecting them to have been sold at a discount whenever vacant. Ministers Lewis, Clarke and presumably Osbourne are very intransigent on this issue, saying it was in the manifesto which 36.9 per cent of people voted for. They are dead set on a smaller public sector.

Under new legislation, councils will have to hand over the estimated equivalent sum for the sale of a third of their housing, whether they have sold them or not. Housing Associations will be expected to use that money towards building more housing somewhere in the country. It is hard to make it add up when substantial discounts are taken out along the way. It is also very discouraging for councils to build, knowing they will have to sell cheap. That pushes more people into the private rented sector. That is accompanied by an increase in the cost of welfare benefits and a greater risk of homelessness. Meanwhile the councils’ ability to assist is reduced.

Working with the Lords, the LGA has been clear that this legislation as it stands is very damaging. Crossbench Peers who have a great deal of expertise on this field and are working very hard on this, this week. They are proposing improvements in the legislation and hopefully some amendments will survive the course through the Lords and when it goes back to the Commons.

Next week, the Minister is considering our responses on the Finance Settlement 2016/17. The LGA submission is hefty and wide-ranging at nearly 30 pages long. It follows a series of direct meetings by leading members and officers to clarify each point. The Independent group members have played a substantial role in this. The reductions of 40 per cent in real terms is enough for some councils to be unable to set a budget at all, even with raising their council tax by 2 per cent. The additional 2 per cent care tax on top is a big help but will not cover the rising costs. Effectively there is a replacement of the income tax, in the government grants that comes to Councils in RSG, with council tax. This is less and being a property tax is a blunter tool.

The new business rates that are due to arrive are to be allocated to particular responsibilities of councils. For example, public health, capital development for transport in London, housing benefit administration and attendance allowance. This means the cuts we face now are long term. The effect of this is very harsh in some councils. For example, in one County Council it is currently proposed in this one year to use pretty well the remains of irs reserves to make the budget balance (£38m) and make cuts/savings of £42m, all on a budget of £476m. The council has also been selling off property as fast as possible, not looking for longer term gains, to help cover next year’s shortfall. However, it is now evident that the shortfall is not likely to be temporary.”

” Unproductive oldies”? Yes, says EDDC Chief executive, No says Bank of England

At a recent council meeting, EDDC Chief Exec , Mark Williams, referring to the age profile of some East Devon communities, apparently described older people as “unproductive”.

Perhaps he should chat to the Bank of England chief economist quoted here:

“… The British Household Panel Survey (BHPS) has asked 5,500 households across the UK about the nature and scale of their volunteering activities. If extrapolated, the data suggests volunteering in the UK might amount to as much as 4.4 billion hours per year equating to 1.7 hours per week for every UK adult aged over 16 years.

The survey found volunteering to be more prevalent among older people. Data published by NCVO in June 2015 found levels of ‘formal volunteering’ declined at the start of the recession, increased during the recovery and is now stable.” …

http://www.rsnonline.org.uk/analysis/the-visibility-and-quantification-of-rural-volunteering

Can a devolved Devon deal with inequality?

In a recent article, Plymouth is cited as being one of the ten most deprived cities in England and described as “low wage, high welfare”; Exeter – the only other local city on the accompanying map – is described as “low wage, low welfare”:

http://gu.com/p/4g2gk

When power is in the hands of our Local Enterprise Partnership will their funds be targeted at Plymouth? It seems unlikely, as currently the LEP is most excited about, and most involved in, the commissioning of the Hinkley Point nuclear power plant.

How will the LEP ensure that funds are shared out equitably? It’s only criterion in promoting “economic growth” which is most easily done in those places already growing. How can it square its need to invest in areas primed for growth where returns will be quicker and higher (so that it can be seen to tick its own boxes) and those areas blighted by lack of growth, which will be slower and lower and so drag its performance targets down even if they do invest?

Add to this the fact that, in future, much more revenue will need to be raised by local authorities directly in their own areas (e.g. reliance on local business rate income rather than government funds) and low income, low growth areas will be even more worse off than affluent areas.

Perhaps a councillor or member of the local LEP can enlighten us? Oh no, wait, all devolution matters are being handled in secret and our LEP members are remarkably shy of making public appearances with their LEP hats on, so we can’t ask them face to face.

Tax avoidance demo: Sidmouth, 1 February 11 am

From the Facebook account of Councillor Claire Wright (Independent, DCC)

PROTEST DEMO! BIG BUSINESS TAX AVOIDANCE RIFE WHILE MPs SET TO VOTE THROUGH HUGE FUNDING CUTS TO COUNCILS

MONDAY 1 FEBRUARY AT 11AM, ON PAVEMENT OUTSIDE SIDMOUTH’S CONSERVATIVE CLUB.
Please bring your own placards!

There will be a high profile PROTEST against the forthcoming vote in the House of Commons, which will see Devon County Council lose £28m, while big business tax receipts could fund Devon’s public services to around £380m.
The Conservative government’s austerity measures mean that our precious public services are being eroded each year, which is hitting the poorest and most vulnerable the hardest.

I wrote to Hugo Swire asking him to take action on t his subject last week—including speaking against, and voting against the budget cuts.

But this subject is too important to leave it there…..

Here’s a map – http://sidmouthconservativeclub.co.uk/map.htm

It is REALLY important that there is a big turnout to give a clear message that we think it is unacceptable that our council services are being cut so severely, while the government does little or nothing to address the persistent loopholes in the tax system.

The House of Commons vote will probably take place on Wednesday 3 February.
Here’s more information – http://www.claire-wright.org/…/devon_portion_of_avoided_cor…

Advice for East Devon Businesses from our Local Enterprise Partnership

Our Local Enterprise Partnership is pouring millions of our pounds into the Hinckley Point nuclear power plant:

Click to access growth_deal_2015_heart_of_sw-final.pdf

It is to be owned by the French and it is said that they are finding it difficult to get investment because it is the wrong kind of design:

http://www.telegraph.co.uk/finance/newsbysector/energy/11885334/EDF-Investors-shun-Hinkley-Point-because-they-think-it-will-go-wrong.html

and part-owned by the Chinese:

http://www.theguardian.com/environment/2015/oct/21/hinkley-point-reactor-costs-rise-by-2bn-as-deal-confirmed

Half the suppliers will be from outside the UK:

http://www.theguardian.com/business/2015/dec/06/nuclear-reactor-investment-pay-overseas-suppliers-hinkley-point

including suppliers of steel, where the UK has just lost thousands of jobs:

http://processengineering.co.uk/article/2022130/uk-steel-snubbed-for-hinkley-point

Notwithstanding this, there is a puff job in the Express and Echo offering businesses in the LEP area a meeting to

A puff job in the Express and Echo East Devon says businesses are being advised by the LEP on how to “maximise opportunities” arising from the
project:

http://www.exeterexpressandecho.co.uk/East-Devon-businesses-benefit-Hinkley-advice/story-28571709-detail/story.html

Good luck with that people – but don’t forget East Devon is quite a way from Hinkley Point and there are an awful lot of businesses competing for these crumbs!

Increase in Devon companies in financial distress

“In Devon, the number of firms in ‘significant’ financial distress rose by 15 per cent to 4,289, whilst in Cornwall there was a 19 per cent rise to 1,911. In the wider South West region, there were 22,074 firms in ‘significant’ financial distress – up 16 per cent on a year earlier”.

http://www.exeterexpressandecho.co.uk/Begbies-Traynor-warns-rising-number-Devon/story-28550075-detail/story.html