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Tracy Davies and son Jake are currently staying in rented accommodation and are unable to move back into their home.
House collapse dispute ordeal
by Eve Dugdale27/ 8/2008
A YOUNG couple are locked in a dispute over their house which collapsed eight months ago.
Tracy Davies and partner Daniel Temple are still paying the mortgage on their terraced house on John Street West, Ashton — despite it being declared unfit to live in.
The gable end cracked and crumbled to the ground in December last year. The couple and their nine-month-old son had to be lifted out of the house by the fire service and have not been able to live there since.
To add insult to injury, when the couple went back to their house they found a squatter hiding in a wardrobe and all their goods taken.
A dispute with their insurance company and builder means they are stuck in limbo.
Tracy, 28, who has been unable to since the incident due to stress, said: "We thought we’d be able to get the purchase price of the house back but we can only get the cost of the wall back, which is £15,000-16,000. That’s not even a quarter of the price of the house.
"There’s no point us doing it because if we could’ve got the purchase price we could’ve negotiated with the mortgage provider."
Tracy bought the house, her first property, four years ago. She and partner Daniel, 21, and baby Jake, now 17 months old, are currently living in a rented house in Penrith Avenue, Ashton.
She said: "The doctor has given me tablets to help me sleep. Jake used to sleep in his own room but he doesn’t anymore because I can’t sleep if he’s in his own room. If he would’ve been in his own room when the wall collapsed he could’ve been killed."
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| Company | Typical APR |
| Platinum Exclusive Loan | 7.8% |
| AA | 7.9% |
| Sainsbury's Personal Loan | 8.2% |
| Alliance & Leicester | 8.7% |
| Lloyds TSB | 8.9% |
| Abbey Personal Loan | 8.9% |
| Provider | AER* |
|
ICICI BANK HiSAVE Savings Account |
4.50% |
|
FIRST DIRECT Everyday e-Saver |
1.75% |
|
SAINSBURYS FINANCE Internet Saver |
2.25% |

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29/08/2008 at 13:23