Thank you all for your replies, this thread does appear to have got confusing, I pity anybody trying to read through it now!
The heat bank idea is now on hold, maybe for a long time. I still think it would work very well and that a CH buffer tank would give me a lot of benefit coupled with an Grundfos Alpha Pro (I do like my digital readouts it would appear) but lets get other things sorted first!
The boiler isn't happy at all, BG put some Fernox boiler silencer stuff (sorry, didn't see bottle for number) which stopped it banging away but it is still cutting out (flashing the warning light twice every two seconds or so), and cuts out on average once every other day - so quite often. All it's currently being asked to do is to heat up the BS standard (so quite crappy [hey - it's changing my words]) vented hot water tank and it's failing to do that.
So the boiler needs sorting, so far BG have replaced the PCB, gas valve, air sensor and burner (at least that lot, lost track). Only after that lot did anybody poke their head up and look at the pipework in the attic, and that was mostly to pour the bottle into the header tank. BG have been back in today and are going to put in another new PCB on Tuesday.
In addition reading through this thread again it appears there maybe a major balancing issue, actually that may be the major issue I have with the CMZ system. Having to shut down the locksheilds on seven radiators to bairly a crack open to try and get flow into an eight radiator won't be helping one bit. Wonder what would happen if I sacrifice that radiator (leaving the lockshield open wide) and balance the system just based on the others, that would mean that they would be much more open. Then the dining room would eventually heat up when all the others started to shut down. Worth a go?
The CMZone system was put in to allow different set points in different rooms at different times of the day. Taking into account three different sleeping patterns was the primary aim, efficiency was secondary, and it wasn't put in to solve any system problems. Most of the time it's achieving it's objective and I'm happy with that. Yes, maybe a bit over the top but it's spent now.
CroydonCorgi, I understand your point and it's very tempting just to say goodbye to the current setup and put in a modulating condensing system boiler. But as nearly every part of the boiler is new it a bit of a waste.