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Where dreams crumble like concrete!
The aspirations of Tamsen and I are no greater than those of yours. We have been together for 3 years and want to live together, build a family and ride the great life adventure, up and down, that this will bring and we've worked incredibly hard towards making this happen.
My house was on the market for £170,000 and I had a buyer. I have lived here for 13 years, raising my beautiful 4 daughters who are now 5, 7, 11 and 13. The time came to start a life together with Tamsen. We had our sights on our new family home together that we have been working towards for the last 2 years. We were weeks away from completion, my house was completely packed up, the light at the end of the tunnel was getting brighter, our new life was about to begin. We were finally going to live together, in our home.
But our dreams were destroyed 2 weeks ago when we learnt that my home of 13 years has mundic, a disease of concrete, often described as concrete cancer. It was discovered when I had my home surveyed for the new buyer. Every home built between 1900 and 1960 in Cornwall has to be tested for mundic to satisfy the mortgage lender. Mundic is an old Cornish word for iron pyrites, otherwise known as "fool's gold". Deposits in concrete cause blocks to break apart after years of exposure to moisture. The mineral was in spoil from the Cornish tin industry and, before the Second World War, was seen as a cheap and readily available material for mixing into concrete blocks. But, in fact, the builders were setting a time-bomb and it just went off and blew our dreams up with it.
As a result of finding out my house has mundic, my buyer pulled out, we lost our new home and lost £40,000 off the price of my property.
Everything that i have put in to this house for the last 13 years has gone! Everything that Tamsen and I had planned for 2 years has been cruelly taken away from us. The girls are confused and disappointed that our new home that we only showed them a few weeks ago is now not going to be our home. We delayed showing them because children don't have a great understanding of time scales, so with just a few weeks to go until completion it was a manageable time for them to focus on. There was nothing that could go wrong now....we could never have imagined such a tragic scenario!
I am now only able to sell my house to cash purchasers as its now classed as unmortgageable and because of this the value of the house has dropped to £125,000. It will be hard enough to find a cash buyer for this property, but the face value of it is that we can no longer afford to sell even if a cash buyer does come along as there is not enough to put towards another home.
I have home insurance, always have, and if my house had a structural problem like subsidence I would be covered, however not under mundic. There is no help out there, no grant, no compensation, no guidance on what to do now. We have just been left with a £40,000 hole in our dreams, through no fault of our own.
I believe that there are 40,000 people out there who remember what is was like setting up their first home and starting a new life together, the dreams, hopes and aspirations that come with this are untouchable. If you are one of these people I hope you can find it within you to see how much we have lost that isn't financial, we are in complete disbelief, right now we should be deciding which cupboards the cups should live in, depending where the kettle will be! Its affected the big and small dreams!
I am going on the grace of humanity that we can have our dream back.