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GB News faces ‘significant’ fine from Ofcom after UK court ruling

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GB News faces the prospect of a significant fine after failing in its legal challenge to stop an ongoing sanctions process by regulator Ofcom against the loss-making broadcaster.

On Friday the channel, which is co-owned by hedge fund boss Paul Marshall, was told by a judge at the UK Royal Courts of Justice it could not block the regulator’s sanctions process against it while a separate review takes place over Ofcom’s original decision that it broke the rules.

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GB News had argued that the regulator acted unlawfully by commencing and then making public an investigation into the channel’s decision to hold a live debate featuring then-prime minister Rishi Sunak earlier this year.

On Friday, the court ruled that a judicial review into Ofcom’s decision could go ahead, in a ruling the broadcaster said it was “extremely pleased” with. Any sanction that Ofcom may impose would be subject to the outcome of GB News’ legal challenge.

In May, the media regulator provisionally said that the Sunak programme had broken broadcasting impartiality rules, which it said represented a serious and repeated breach and so the channel could face a statutory sanction.

Ofcom had since “provisionally decided” to impose a “significant statutory fine” on GB News as part of a preliminary view sent to the channel in June, according to filings to the court. The regulator has not yet come to a final decision over whether to proceed with these sanctions. Previous fines issued by the regulator to channels including Russia Today and Chinese state-owned groups have run into hundreds of thousands of pounds.

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GB News had requested interim relief to prevent Ofcom from taking further steps in the sanctions process.

The broadcaster argued that it was planning to show a corresponding programme featuring Sir Keir Starmer to provide balance, but that Ofcom had stopped this from happening by coming to its decision over the Sunak debate. 

Ofcom’s decision prevented any clearly linked and timely programme that might have achieved the necessary due impartiality, GB News argued.

In its claim, GB News said that there was reputational harm should the sanctions process continue, although Ofcom asserts that much of the information related to its investigation is already in the public domain.

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Ofcom argued that there was a clear breach of its rules and that there was no justification in preventing it from reaching a final decision on the imposition of sanctions.

Ofcom said in written submissions that this was the 12th breach since March last year, and that it was “not arguable” that the regulator had “erred in law” through its decision.

An Ofcom spokesperson said: “We are pleased that the court has rejected GB News’ attempt to suspend the sanctions process, and has recognised the significant public interest in Ofcom completing it.”

GB News said: “We believe some of its decisions [by Ofcom] in relation to GB News have been neither fair nor lawful and the court has recognised that there are serious arguable issues to be determined in this respect.”

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Premier Inn to open its largest hub hotel in the UK – with 693 rooms

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A new hub by Premier Inn will be located at 5 Strand in London, near Charing Cross Station

PLANS for a new hub by Premier Inn hotel are underway and it’s set to be the largest one in the UK to date.

Whitbread, the owner of Premier Inn, has just received planning permission to build the hotel, which will be located at 5 Strand in London.

A new hub by Premier Inn will be located at 5 Strand in London, near Charing Cross Station

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A new hub by Premier Inn will be located at 5 Strand in London, near Charing Cross StationCredit: Whitbread
hub by Premier Inn hotels are designed to be comfortable, convenient, and consistent with Premier Inn, but in a smaller package

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hub by Premier Inn hotels are designed to be comfortable, convenient, and consistent with Premier Inn, but in a smaller packageCredit: Premier Inn

The 693-room hotel will be a couple of doors down from Charing Cross Station and within sight of Nelson’s Column and Trafalgar Square.

There is currently a partially demolished office block on the site, which is located opposite the Co-Op on the Strand.

The new Premier Inn isn’t the first hotel development to be proposed on the site – it was previously earmarked for a 200-room Park Hyatt Hotel, with a rooftop bar and restaurant.

Instead, it will now become home to the latest London property under Whitbread’s hub by Premier Inn brand.

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hub by Premier Inn is a hotel concept from the company that offers stylish, compact rooms in central locations in London and Edinburgh.

It was launched in 2013 and the first hotel opened in Covent Garden in 2014.

The brand has since grown to 18 hotels across London and Edinburgh.

Other hub by Premier Inn hotels in London are located in Camden, Bank, Clerkenwell, Goodge Street, Kings Cross, Marylebone, Paddington, Shoreditch, Soho, Brick Lane, Tower Bridge, West Brompton, Westmister Abbey, and St James’s Park.

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UK hotel named one of the best budget breaks in the world

Rooms are designed to be comfortable, convenient, and consistent with Premier Inn, but in a smaller package. 

They include a touchscreen control panel for lighting and temperature, 40″ smart TVs, high-powered showers, and beds.

Some rooms have windows, but some are window-free.

The new 16,000 sqm development will feature 13 floors including ground floor space fronting onto the Strand and Northumberland Street.

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Mark Anderson, managing director for property and international for Whitbread, said: “Hub by Premier Inn was launched a decade ago in St Martin’s Lane, a few hundred metres from 5 Strand. 

“The brand has blossomed into a network of 18 popular hub hotels in Central London and Edinburgh and has become a proven model for bringing our affordable bedrooms into the most central, vibrant, and connected locations for our guests.

“5 Strand is an excellent example of how we think the hub by Premier Inn brand can evolve in Central London. It also shows how we can use Whitbread’s strong balance sheet to acquire the best positioned, most accessible, and high-demand locations in the capital to grow our brands.

“With planning permission now secured we will move quickly to begin construction of the new hotel and deliver a true flagship location for our guests.”

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Whitbread recently announced plans for a 207-room hub by Premier Inn property within a “under-utilised” car parking space under The Brunswick Centre in London’s Bloomsbury.

The group said the hotel’s rooms, reception and communal guest areas will feature “cutting edge lighting technology which provides a natural spectrum of light following the human circadian rhythm”.

‘I stayed at the largest Premier Inn in the UK…this is what I thought’

Deputy Travel Editor Kara Godfrey stayed at Premier Inn at Gatwick Airport, located just outside the North Terminal…

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The Premier Inn hotel is literal steps from the Gatwick shuttle – just take the lift down and cross the road and it is right in front of you.

Celebrating its 10th-anniversary last year, it’s currently undergoing some new room refurbishments.

The hotel is open 24/7, due to its nature as an airport hotel, but has more than 10 self-check-in booths for a speedy rush to your room, although the four very slow lifts leave something to be desired if you are in a rush.

With 701 bedrooms, I ended up in their brand new Premier Plus rooms, found on the ninth ‘quieter’ floor, which was very clean.

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I had great views of the airport, so I could watch some of the planes take off.

There is also a Nespresso coffee machine and kettle with chocolates, a large shower with toiletries and towels and a mini-

There is also a Nespresso coffee machine and kettle with chocolates, a large shower with toiletries and towels and a mini-fridge with complimentary water.

Plus unlike many hotels, they’d placed a USB socket near the bed, so you don’t have to worry if you forget your plug.

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The rooms weren’t perfect – the WiFi didn’t seem to stretch to the top of the hotel – but they are definitely worth the extra £10 for some added luxury.

The hotel is often full so I had to book dinner and breakfast in advance as it gets busy.

But it has a range of classic comfort food options, including burgers, pizza and curries.

I opted for a lasagne, followed by a brownie with a glass of wine. 

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They didn’t have everything listed – they were bizarrely out of avocado, French dressing and naans, but there is more than enough to choose from even if your favourite isn’t there. 

Like all airport travellers, I was mainly there to get a decent night’s kip and with the black-out curtains and barely any noise seeping through the walls – it passed with flying colours.

hub by Premier Inn hotels include a touchscreen control panel for lighting and temperature, 40" smart TVs, high-powered showers, and beds

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hub by Premier Inn hotels include a touchscreen control panel for lighting and temperature, 40″ smart TVs, high-powered showers, and bedsCredit: Premier Inn

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Letter: Hotly contested

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Banker all-nighters create productivity paradox

From Professor Rebecca Earle, Department of History, University of Warwick, Coventry, West Midlands, UK

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Major cinema chain to shut 3 sites for good IN DAYS leaving film buffs bemoaning ‘major loss’ – and more will follow

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Major cinema chain to shut 3 sites for good IN DAYS leaving film buffs bemoaning 'major loss' - and more will follow

A POPULAR cinema chain is set to shutter three sites for good in just days – and more will follow.

Film fans were devastated to hear their local movie theatres were waving goodbye permanently on October 6.

Several Cineworld sites will be axed

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Several Cineworld sites will be axedCredit: Getty

 It comes as Cineworld made the tough decision to axe their branches in Glasgow, Bedford, and Swindon.

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Meanwhile, other locations in Bedford, Loughborough, and Yate are also set to close in a matter of weeks.

The sites will shut for good on these exact dates:

  • Glasgow Parkhead (closing October 6)
  • Bedford (closing October 6)
  • Swindon Regent Circus (closing October 6)
  • Loughborough (closing October 13)
  • Yate (closing October 13)

It forms part of a major restructuring plan to help the company survive mid troubling times.

A judge recently gave the green light for £16million to be pumped into Cineworld’s four companies which form the business.

The cash came from the business’s parent company, with an extra £35million to also be made available.

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Its four companies. Cine-UK Ltd, Cineworld Cinemas Ltd, Cineworld Cinema Properties Ltd and Cineworld Estates Ltd, will also negotiate leases for each of their 101 sites across the UK.

It comes as the chain is also said to be renegotiating rent agreements for around 50 of its sites.

But, 25 cinemas are set to be unscathed by the restructuring plans and will remain open for the foreseeable future.

A spokesperson for the chain said the plan would enable the business for “the long-term and ensure a sustainable future for Cineworld in the UK.”

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However, news of the five closures has devasted locals in the affected areas.

One cinema-goer in Glasgow Parkhead, where Cineworld is set to close on October 6, described the move as “brutal”.

While another said: “I’ve got so many childhood memories of Parkhead Cineworld! Such a major loss.”

It comes after the huge cinema chain revealed it expects to come out of bankruptcy protection in July, after receiving backing from lenders.

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The chain filed for Chapter 11 bankruptcy in the US last year due to giant debts and loss of revenue.

Meanwhile, another UK cinema chain has fallen into administration and will close multiple sites immediately.

Empire Cinemas operates 14 locations across the country with 129 screens.

A total of six sites will close with immediate effect, including two under the Tivoli brand.

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Plus, major cinema chain Odeon has also been forced to shut down several branches.

The movie giant is bringing the curtain down on five of its cinemas forever.

What is happening across hospitality and the cinema sector?

CINEWORLD isn’t the only chain that’s struggling.

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How Netanyahu is ‘running rings’ around Biden

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After Bill Clinton’s first official meeting with Benjamin Netanyahu in 1996, he turned to an aide and said: “Who is the fucking superpower here?”

Four US presidents later, nobody would think of posing that question about Israel’s pugilistic prime minister. Netanyahu long ago established what military analysts call “escalation dominance” over whoever sits in the Oval Office — none more so than Joe Biden.

No president more than Biden has wanted to disentangle from the Middle East. Yet none, in the wake of Israel’s latest ground incursion into Lebanon and the spectre of a full-blown war with Iran, is likelier to be defined by the region than him.

“Netanyahu knows how to play the Washington game better than most US politicians,” says Alon Pinkas, a former Israeli diplomat, now columnist for the Haaretz newspaper. “And he has been running rings around Biden.”

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Even by Netanyahu’s standards, however, the current situation has a House of Cards quality to it. With just a month to go before the US presidential election, what happens in the Middle East could change the outcome on November 5.

Netanyahu, left, meets US President Bill Clinton in Israel
Netanyahu, then opposition leader, left, meets US President Bill Clinton in Israel in 1996, shortly before becoming prime minister for the first time. Netanyahu is said to know ‘how to play the Washington game’ © Getty Images

On Tuesday Iran fired 180 ballistic missiles at Israel in retaliation for the Israel Defense Forces’ killing of Hassan Nasrallah, head of Lebanese militant group Hizbollah, Iran’s largest proxy ally in the region.

Though no Israeli was killed, a number of Iranian rockets made it through Israel’s famed Iron Dome missile defence system. One landed close to an F-35 air base in the Negev desert; another narrowly missed the headquarters of the Israeli spy agency Mossad in Tel Aviv.

In contrast to Israel’s last exchange of salvos with Iran in April, this time Biden officials did not publicly urge restraint on Netanyahu. This is in spite of the fact that an escalation between Iran and Israel could lead to spiralling oil prices, which would instantly depress US consumer sentiment just as voters are going to the polls.

On Thursday, Biden admitted he was in discussion with Netanyahu about an Israeli strike on Iran’s oilfields. Iran has in the past signalled that it would retaliate to any such strike with attacks on oil infrastructure in the United Arab Emirates and Saudi Arabia. The Brent price of oil has already risen from $70 a barrel on Monday to $78 by Friday. A new round of strikes could send it hurtling towards $100.

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Asked about such a prospect, all Biden could do was interrupt himself. “I think that would be a little . . . anyway,” he replied. What Biden may have stopped himself from adding is that such an escalation could badly damage Kamala Harris’s chances of beating Donald Trump next month.

Yet it is Netanyahu, not Biden, who will decide what happens next. Recent history shows that Israel’s prime minister is unlikely to pay heed to whatever restraint Biden is urging on him in private.

“Netanyahu is riding high,” says Marwan al-Muasher, Jordan’s former foreign minister, now at the Carnegie Endowment for International Peace. “He won’t want to do anything to help Harris’s election prospects.”


On Monday, Israel will commemorate the first anniversary of the slaughter of 1,200 Israelis by Hamas terrorists.

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In the wake of that massacre, Netanyahu’s political prospects were all but written off. Israeli intelligence’s failure to pick up the warning signs of a planned Hamas operation and Netanyahu’s diversion of IDF forces from Gaza to the West Bank amounted to Israel’s biggest strategic blunder since Egypt’s Yom Kippur attack on Israel in 1973.

Protesters in Tel Aviv call for a deal to release the Israelis held hostage by Hamas
Protesters in Tel Aviv call for a deal to release the Israelis held hostage by Hamas. US attempts to secure a ceasefire agreement have largely left the White House appearing impotent © Nir Keidar/Anadolu/Getty Images

Yet somehow Netanyahu — the Houdini of Israeli politics — has managed to survive and even prosper. The latest Israeli polls show that his Likud party would be the largest if a snap election were held now. A large majority of Israelis are opposed to a two-state solution with Palestinians, which Biden has insisted must be Israel’s end goal. Netanyahu has consistently refused to specify the “day after” political settlement for the Gaza war that Biden has been urging on him.

“We thought Netanyahu had used up his nine lives,” says Paul Salem, vice-president at the Washington-based Middle East Institute, speaking from Lebanon. “It turns out he had several more lives in his back pocket.”

Biden is not the only US figure that Netanyahu has outwitted. In March, Chuck Schumer, the Democratic Senate majority leader, and the most senior elected Jewish-American in US history, called for fresh Israeli elections and new leadership. “Prime Minister Netanyahu has lost his way by allowing his political survival to take precedence over the best interests of Israel,” Schumer said in a speech on the Senate floor.

Two weeks later, Israel widened the war by striking an Iranian diplomatic complex in Damascus, killing 16 people including several senior commanders of the Islamic Revolutionary Guard Corps. That led to the first round of direct salvos between Iran and Israel. It also marked the start of Netanyahu’s political revival. In July, Netanyahu gave an address to the joint houses of Congress in Washington. He received 52 standing ovations. Schumer was among those applauding.

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But nothing has done more to boost Netanyahu’s latest resurrection than his pivot from Gaza to Lebanon over the past month. Mossad’s success in detonating thousands of Hizbollah handheld pagers and walkie-talkies changed the narrative.

Though the operation claimed dozens of Lebanese lives — as have Israeli air strikes on Beirut over the past fortnight — its technical virtuosity restored pride to the badly damaged morale of Israel’s intelligence agencies.

Yet again, Netanyahu also wrongfooted the Biden administration. On countless occasions over the past year, Netanyahu has appeared to agree to one thing with Washington and done the opposite in practice. Whether it is wranglings over the terms of a Gaza ceasefire and hostage release, or the more recent attempt at a 21-day ceasefire with Hizbollah, each time Biden is left looking impotent. “The Biden administration seems to be saying, ‘We’re suffering from a bit of autumn damp,’ ” says Pinkas. “No, this isn’t seasonal damp, it’s Netanyahu urinating all over you.”

A fighter jet takes off from a US aircraft carrier during operations in the Red Sea
A fighter jet takes off from a US aircraft carrier during operations in the Red Sea. America has beefed up its Middle East presence with 40,000 troops stationed there, as well as two aircraft carriers © Christopher Pike/Bloomberg

What happens in the coming days could be fateful for the future of both the Middle East and US politics. At some point Israel will strike back at Iran. The question is whether the Israeli retaliation will qualify as an “escalate to de-escalate” move — as Israel characterised its assault on Hizbollah — or if it will be a full-blown escalation that could trigger a spiralling conflict with Iran.

The chances of an Israeli attempt to topple the Iranian regime cannot be fully discounted. Netanyahu earlier this week sent a message to what he called the “Persian” people in which he said: “When Iran is finally free and — that moment will come a lot sooner than people think — everything will be different. Our two ancient peoples, the Jewish people and the Persian people, will finally be at peace.”

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Last weekend, Jared Kushner, Trump’s son-in-law and his former point person on the Middle East, urged the US to back an Israeli attempt at regime change in Iran. “Iran is now fully exposed,” Kushner wrote on social media. “Failing to take full advantage of this opportunity to neutralize the threat is irresponsible.”

But even a more modest Israeli action would entail risks. Jeffrey Feltman, a former regional envoy for Biden, and who led the US State Department’s Bureau of Near Eastern Affairs in Barack Obama’s administration, says that everything points to further Netanyahu surprises in the coming weeks. “All the indicators are aligning — Israel’s tactical and strategic objectives, Israeli public opinion and Netanyahu’s political survival,” says Feltman.

Smoke rises from the site of an Israeli airstrike in a suburb of Beirut on Thursday
Smoke rises from the site of an Israeli air strike in a suburb of Beirut on Thursday. Israeli air strikes on the Lebanese capital have claimed scores of lives over the past fortnight © Fadel Itani/AFP/Getty Images

Tactically, Israel’s strikes on Hizbollah and incursion into southern Lebanon showed the Israeli public that Netanyahu was taking action to enable the roughly 60,000 displaced Israelis to return to their homes in northern Israel.

Strategically, Israel’s operations are rebalancing forces in the wider region by decimating Hizbollah’s leadership and putting Iran on the back foot. This new phase in the post-October 7 war is wildly popular with Israeli public opinion. Finally, the direction of events is saving Netanyahu’s political skin. While he remains prime minister, Netanyahu can avoid a series of criminal charges that are in abeyance. “This is Netanyahu’s get-out-of-jail-free card,” says Feltman.


Among Democrats in Washington, there is rising anguish about Biden’s failure to rein in Netanyahu and what this could mean for Harris’s prospects in a tight election.

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He came to office promising to disentangle America from quagmires in Afghanistan and the Middle East. Like Obama, whose second term ended up being consumed by the war against Isis, he had hoped that his administration would be defined by the pivot to the China challenge in the Indo-Pacific. Biden now risks leaving office with the Middle East on fire and US forces beefed up in the region with 40,000 US troops stationed there, as well as two aircraft carriers. The Middle East could also jeopardise his entire legacy by opening the door to a return of Trump. Yet it is hard to find anyone who believes that Biden will change his act now.

The Israeli leader meets Kamala Harris in Washington during the summer
The Israeli leader meets Kamala Harris in Washington during the summer. Many see Netanyahu’s actions as potentially damaging for the vice-president’s chances in the US election © Kenny Holston/Pool/Getty Images

“Nobody can satisfactorily explain to me why Biden has been so passive,” says al-Muasher.

In addition to helping Israel eliminate Hamas, Biden had two aims after October 7. The first was to ensure a day-after plan for the governance of Gaza that would pave the way for a two-state solution. The second was to stop a widening of the war to the region.

The first is all but dead. It is not just Israeli public opinion but the Palestinians as well who have lost faith in the idea of an independent state alongside Israel. The second goal is on the brink of failure, too. And if the turbulence of the last month extends until the election, the chances that Biden’s presidency ends in failure will also rise. 

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British Gas to slash energy prices for thousands of customers this weekend – see if you can save

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British Gas to slash energy prices for thousands of customers this weekend - see if you can save

THOUSANDS of lucky customers will have their electricity slashed by 50 per cent this weekend.

British Gas will be be offering customers half price electricity at 11:30 and 1:30 on Saturday and Sunday with its Green Flex event.

British Gas will be be offering customers half price electricity this weekend

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British Gas will be be offering customers half price electricity this weekendCredit: Alamy

With Green Flex events, customers get half-price electricity when it is very sunny or windy and there is lots of renewable energy available.

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This is in addition to its usual half price electricity on Sunday between 11am and 4pm for qualifying customers.

The scheme first launched in December 2022 but has been extended multiple times since.

British Gas uses its own forecasting to set the events to test the potential savings and impact on the grid with this scheme.

The discount is available to new and existing PeakSave customers, and all savings will appear as a credit on customers’ energy bills.

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So far, British Gas has paid over £13 million to more than 650,000 customers taking part in the scheme.

Crucially, you can only sign up to the scheme if you have a smart meter that can send half-hourly meter readings.

Smart meters come with a display that shows your gas and electricity use in pounds and pence in real-time.

Their major advantage is that they let you more accurately track how your household habits affect your energy usage.

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British Gas says if you don’t have a smart meter, it will install one for free in your home.

Other help to pay for energy bills

If you’re not with British Gas, Ovo Energy has a similar scheme which rewards customers for reducing their energy consumption during peak times.

Power Move offers customers up to £10 a month if they cut their usage between 6-9pm, Monday to Friday.

For example, by using the dishwasher in the morning or waiting until after 9pm in the evening to catch up on TV.

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You might be able to get free home insulation or have other energy-saving measures installed in your property through the Energy Company Obligation.

The scheme is designed to help low-income households on certain benefits such as Universal CreditChild Benefit and Housing Benefit.

The Government previously told The Sun households eligible for the scheme save around £600 to £700 on their bills each year after having energy-saving measures put in place.

You can find out more on the scheme via the Government’s website.

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You might also be able to get help via the Household Support Fund which has been extended by six months until the end of September.

The fund has been shared between councils in England who then allocate their portion to those in need.

That means what you can get depends on where you live and can be a bit of a postcode lottery.

However, the help is usually dished out to those on a low income or benefits.

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You should contact your local council to see what help is available.

You can find your nearest council by using the Government’s council locator tool.

Are you missing out on benefits?

YOU can use a benefits calculator to help check that you are not missing out on money you are entitled to

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Charity Turn2Us’ benefits calculator works out what you could get.

Entitledto’s free calculator determines whether you qualify for various benefits, tax credit and Universal Credit.

MoneySavingExpert.com and charity StepChange both have benefits tools powered by Entitledto’s data.

You can use Policy in Practice’s calculator to determine which benefits you could receive and how much cash you’ll have left over each month after paying for housing costs.

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Your exact entitlement will only be clear when you make a claim, but calculators can indicate what you might be eligible for.

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Barratt and Redrow £2.5bn merger agreed as monopoly fear allayed

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Barratt and Redrow £2.5bn merger agreed as monopoly fear allayed
Getty Images/Bloomberg Four male construction workers on a building site. All are wearing hard hats and hi-vis jackets, and carrying out a range of tasks using different tools. Getty Images/Bloomberg

The £2.5bn deal between Barratt and Redrow was agreed in August

A £2.5bn merger of two housebuilding firms has been approved, after they allayed fears about the price of new homes in Shropshire and Cheshire.

The Competition and Markets Authority (CMA) had raised concerns that Barratt’s takeover of Redrow could affect the market in Whitchurch and nearby Nantwich.

The companies each have a large development in one of the towns, and have now agreed that remaining homes will be sold by an independent agent.

The merger of Leicestershire-based Barratt and Redrow, whose headquarters are in Flintshire, was announced in August.

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The CMA had said there were no concerns about a monopoly nationally, but feared the deal could lead to higher prices and lower-quality homes for buyers in an area around Whitchurch, including Nantwich, Ellesmere and Market Drayton.

However earlier, it approved the merged firms’ proposal to appoint independent agents Savills to manage sales.

A CMA-approved monitor will also oversee undertakings to maintain Redrow’s build quality and service, on the Kingsbourne site in Nantwich.

Joel Bamford, executive director for mergers at the CMA, wrote that measures put forward by the companies represented “as comprehensive a solution as is reasonable and practicable”.

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One-in-ten jobs could go

The firms expect to fully merge operations within 18 months, with efficiencies and cost savings due after three years.

These could net £90m a year, but with a one-off restructuring cost of about £73m.

Overlapping roles are expected to be cut, which could lead to the loss of about 10% of jobs across the combined business.

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Barratt chief executive David Thomas, said: “With this combination, we have created an exceptional housebuilder in terms of quality, service and sustainability, able to accelerate the delivery of the homes this country needs.

“Our focus now is on integrating our businesses as efficiently and effectively as we can to deliver the expected benefits.”

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