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It does seem to be very difficult indeed speaking from experience.  Although I regularly see other peoples' trees bearing amazing fruit and being healthy.  I think it may be spraying enough, with the right spray at the recommended intervals and not just one quick winter spray.  

Do this at the end of this month and repeat again after 2 weeks in mid February. It's a fungus that causes this and a double dose should cure the problem and allow the leaves and fruit to develop successfully. Good luck!

thanks to both - I will try again....