Rising RAAC Numbers in Renfrewshire Expose Crisis, but SNP MSPs Offer Little Reassurance

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The Scottish Housing Regulator has recently added Linstone Housing Association to its list of social landlords with properties affected by Reinforced Autoclaved Aerated Concrete (RAAC), exacerbating concerns over the safety and financial impact of this material on residents. RAAC, a lightweight but brittle construction material used in buildings from the 1950s to the 1990s, has been linked to structural vulnerabilities, raising alarms across Scotland.

Linstone Housing Association: Homeowners Struggling with Costs

A homeowner who purchased an ex-council property formerly owned by Linstone Housing Association shared her harrowing experience. In September, residents were informed about the presence of RAAC in their homes. Since then, ceilings have been removed for inspections, revealing extensive issues. Structural engineers are currently assessing the properties, but significant repairs appear inevitable, leaving homeowners worried about crippling financial debt.

“This news has caused sleepless nights and cast a shadow over the festive season,” the homeowner lamented. “The uncertainty about the costs and how we will pay for them is a constant worry. Families on tight budgets are particularly concerned about how they’ll manage these unexpected expenses.”

Adding to the anxiety, residents in Linstone properties were asked to pay £10,000 each for a roof replacement in December 2023, due to water damage. With the discovery of RAAC, even higher bills are anticipated. Many homeowners feel trapped, with no clear path forward or reassurance about funding or support.

Bridgewater Housing Association: RAAC Concerns Not Yet Public

While Linstone Housing Association’s challenges are now public, a leaked confidential report reveals that Bridgewater Housing Association (BHA) is also grappling with potential RAAC in its properties. According to an internal investigation, RAAC may be present in buildings at Blantyre Court and Shaw Court in Erskine. Although initial desktop reviews and inspections suggested no issues, recent developments prompted urgent visual inspections, raising fresh concerns.

The confidential report outlines steps being taken by BHA:

• Conducting a full stock survey to identify properties with flat and common pitched roofs.

• Developing an inspection plan.

• Awaiting a structural engineer’s report to confirm the extent of the risk and necessary remedial works.

• Consulting solicitors, insurers, and lenders about legal and financial obligations.

• Updating the Scottish Housing Regulator and the Annual Assurance Statement (AAS) to reflect the potential RAAC presence.

Notably, BHA has yet to inform homeowners or tenants about these concerns. The association’s CEO stated that a communications strategy will be prepared once the structural engineer’s findings are received.

Broader Implications and Resident Concerns

The RAAC crisis has sparked widespread anxiety among affected residents. Homeowners are particularly worried about the financial burden of repairs, with costs for common areas likely to be passed onto them. One BHA board member suggested that the association might consider buying back affected properties to mitigate the impact on owners, provided funding is available.

Meanwhile, questions remain about why previous inspections failed to detect RAAC. A member of BHA’s board noted that earlier surveys followed Scottish Government guidance, which recommended visual inspections that proved insufficient.

Calls for Government Support

The unfolding RAAC crisis highlights the urgent need for government intervention. Both Linstone and Bridgewater Housing Associations have sought funding from the Scottish Government’s More Homes division to address these issues. However, without immediate action, homeowners may face insurmountable costs, leaving many trapped in unsafe or financially untenable situations.

As more housing associations uncover RAAC in their properties, the crisis threatens to escalate, impacting thousands of residents across Scotland. Transparent communication, robust funding, and a clear strategy will be essential to address this growing issue and restore confidence among affected communities.

The Ongoing RAAC Crisis: A Call for Action from Wilson Chowdhry

Wilson Chowdhry, Chairman of the UK RAAC Campaign Group, expressed deep frustration over the persistent and growing impact of RAAC (Reinforced Autoclaved Aerated Concrete) on homeowners across Scotland. "We are now over a year beyond the discovery of RAAC in Aberdeen," Chowdhry stated, "and councils and social landlords are still identifying additional homeowners affected by this crisis. The fact that Dundee City Council has added another property to their private homeowner list, and local campaigners estimate that up to 800 properties in the Happyhillock area could also be impacted, underscores the sheer scale of this issue."

Chowdhry highlighted the Scottish Government's failure to establish a national fund to address the crisis, despite Chancellor Rachel Reeves allocating £3.4 billion to the Scottish Treasury. "The refusal of the Scottish Government to act decisively is unacceptable," he said. "Instead, they continue to seek additional funding from the UK Government, even though Parliamentary Under-Secretary for Local Growth and Building Safety, Alex Norris MP, has made it unequivocally clear that no further help will be provided by Westminster."

Audrey Nicholl MSP for Aberdeen South and North Kincardine echoed the Scottish Government’s stance in an email to Chowdhry's daughter, Hannah Chowdhry. Nicholl wrote: "It is clear from the Ministers reply that no financial assistance will be forthcoming from Westminster."

"You can be assured, however, that I will continue to lobby the Scottish Government for financial assistance with managing the RAAC crisis and, of course, continue to represent my constituents to the Council as the process progresses." Chowdhry dismissed this as an empty promise, offering no real assurance to affected homeowners.

Keith Brown MSP’s response to a request for public support of a UKRCG petition to the Scottish Parliament offered little reassurance. His caseworker wrote to Chowdhry: “After careful consideration, Keith feels unable to support the petition at this time due to the ongoing uncertainty surrounding responsibility for compensation. While he understands this may not be the response you were hoping for, he remains committed to advocating for those impacted by RAAC in ways that he believes will be most beneficial.”

Brown’s office also revealed that he had written to the Treasury, inquiring whether RAAC could be classified as a sudden named peril under the Dangerous Building Notice, which might shift some responsibility to insurance companies. However, this approach has yet to yield tangible results and seems unlikely.

"It’s frightening that, this far into the campaign, the Scottish SNP Government continues to ignore the plight of RAAC homeowners," Chowdhry stated. "These are people who bought into council-built properties, many of whom are among the most deprived in the nation. The government’s inaction is a betrayal of their responsibility to protect these vulnerable citizens."

The RAAC crisis has left many homeowners facing sleepless nights and financial uncertainty. With no clear funding or support plan in place, the burden of repairs continues to fall squarely on the shoulders of those least equipped to bear it. Chowdhry called for immediate and decisive action from the Scottish Government to address the crisis and provide the necessary financial assistance to those affected.

RAAC Homeowners Left in the Dark as Key Campaigners Are Excluded from Political Meetings

Campaigners Rally Outside West Lothian Civic Centre

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The RAAC crisis has left many homeowners in Scotland and across the UK grappling with significant uncertainty about the safety of their homes and their financial futures. Local councils and government bodies have acknowledged the issue, but there remain critical gaps in transparency and inclusivity in addressing these concerns.

Recently, Mr. Wilson Chowdhry was informed by the Provost of West Lothian Council that he cannot participate in a follow-up meeting with Housing Minister Paul McLennan. The explanation provided was that this meeting is considered a "political" one between the council and the Scottish Government, which precludes the involvement of third parties.

This decision is particularly puzzling given his role as Chairman of the UK RAAC Campaign Group, where he represents the interests of affected homeowners and acts as an expert witness on the issue. His involvement would seem both relevant and beneficial, ensuring the concerns of those most impacted are effectively communicated and addressed. Excluding representatives of affected groups from such critical discussions undermines the principle of collaborative problem-solving and risks leaving key questions unanswered.

Adding to the complexity, the Scottish Parliament Petitions Committee was recently asked whether Mr. Chowdhry could participate in evidence hearing sessions that may arise as a consequence of his official petition. The Committee clarified that any decision to gather additional evidence, and from whom, would be made at a future stage. While the Convener mentioned the possibility of inviting the Housing Minister to provide evidence, the Committee indicated that Mr. Chowdhry would not be able to participate in such a session, as the Minister would appear as a witness to answer questions from Committee Members. However, Mr. Chowdhry would have the opportunity to submit written evidence, including concerns raised by homeowners, to inform the Committee’s lines of questioning. The Committee also noted that a separate decision would be required to invite Mr. Chowdhry to provide evidence in person, which would occur independently of the Minister’s session. While he was encouraged to write directly to the Minister to request a meeting, the Committee emphasized that arranging such a meeting would be at the Minister’s discretion and outside the Committee’s remit.

Background: What Has Been Done So Far?

West Lothian Council has taken steps to engage with the Scottish Government regarding RAAC. According to correspondence from the Provost and the Head of Housing, Customer & Building Services, the council has:

• Written to the Scottish Government to request financial support for homeowners affected by RAAC.
• Held a series of meetings with affected homeowners in May 2024.
• Presented the specific concerns of these homeowners directly to the Housing Minister, Paul McLennan, during a meeting on 8th July 2024.

While these actions demonstrate some progress, the decision to exclude third-party representatives like Mr. Chowdhry and his deputy, Kerry Mackintosh—a campaigner since 2004—from follow-up discussions raises questions about transparency and inclusivity. Homeowners, who are the most affected, should have their voices heard, either directly or through those they trust to represent them.

Conflicting Guidance: A Call for Clarity

Adding to the complexity, both the Scottish Parliament Petition Committee and the Provost of West Lothian Council have suggested that Mr. Chowdhry approach the Housing Minister directly to discuss the issues faced by RAAC-affected homeowners. In the latest correspondence, the Provost stated:

"However, it may be that if you were to contact the Minister for Housing direct that he would be available to meet with you to discuss the full range of issues that are being raised with you in your capacity as the chairman of the UK RAAC Campaign Group."

Mr. Chowdhry commented:

"The guidance seems contradictory. If I am being encouraged to contact the Minister for a separate meeting, why is my participation in the follow-up meeting deemed inappropriate? This raises serious questions about the accessibility of decision-makers to those representing affected groups and whether these processes are genuinely designed to serve the public interest."

He added:

"Despite multiple requests for a meeting with Minister Paul McLennan, he has declined each time. My most recent request, sent over four weeks ago, remains unanswered. This lack of engagement is deeply concerning given the urgency and severity of the RAAC crisis."

A Call for Transparency and Inclusion

The RAAC crisis is not merely a political issue; it is a public safety and financial crisis affecting thousands of homeowners. Political meetings that exclude key stakeholders risk alienating the very people they aim to support.

While councils and governments have taken steps to address the crisis, more needs to be done to ensure affected parties are included in discussions and decisions. Collaborative approaches involving councils, government representatives, expert witnesses, and homeowners are essential to building trust and delivering meaningful solutions.

As campaigners and advocates, we will continue to press for transparency, inclusivity, and accountability. We encourage affected homeowners to raise their concerns directly with the Housing Minister and will demand a seat at the table where decisions about their futures are being made.

Kerry Mackintosh, Deputy Chair of the UK RAAC Campaign Group, said:
"The exclusion of expert opinion has undoubtedly contributed to the disconnect between the goals of the Government, local councils, and the needs of the affected homeowners. This crisis continues to drive many families toward destitution, leaving them in ever-deepening despair."

Customer Left in the Dark: Octopus Energy’s Ongoing Failures Cause Solar Tariff Payment Delays after previous ludicrous bill of £15,000!

Ludicrous Billing Blunder Leaves Mr. Chowdhry Facing an Astonishing £15,000+ Energy Bill for His Home!

London, UK – Wilson Chowdhry, a homeowner who has already endured a billing fiasco with Octopus Energy, is now facing further complications regarding his Feed-in Tariff (FiT). Over 18 months since it was switched to Octopus Energy, he has yet to receive payments for the energy generated by his solar panels—a delay caused by administrative missteps and communication failures.

This is the latest chapter in a series of ongoing challenges Mr. Chowdhry has faced with the energy provider, including an unresolved compensation promise and a mishandled tariff arrangement.  

In June 2024, Wilson Chowdhry successfully won an Energy Ombudsman case against Octopus Energy, which reduced a staggering £15,000 bill to less than £1,000. Read more about his earlier battle and how systemic failures were exposed in this report.

Solar Energy Payments Stalled

Mr. Chowdhry’s issues began when he transferred his Feed-in Tariff from Shell Energy to Octopus Energy. Due to Octopus emailing key documentation and requests for solar meter readings to an incorrect email address, the FiT process was never properly initiated. Despite now providing the correct email address and raising the issue multiple times, Mr. Chowdhry has been informed that his first payment will not arrive until the next quarter—marking nearly two years without compensation for the energy generated by his solar panels.

“Not receiving payment for my solar energy for over a year and a half is completely unacceptable,” said Mr. Chowdhry. “The administrative errors have compounded my financial strain, and the lack of urgency from Octopus Energy makes it feel like my concerns are not a priority.”

Unresolved Promises of Compensation

In June 2024, following a decision from the Energy Ombudsman regarding Mr. Chowdhry’s previous complaints, an Octopus Energy Complaints Manager assured him over a lengthy phone call that he would receive compensation for the company’s failure to honor his agreed-upon tariff. Despite repeated follow-ups, this promise remains unfulfilled.

“I was assured that Octopus Energy recognized their failings and would make things right. But months later, I’m still waiting for action. It’s disheartening and feels like they are hoping I’ll just give up,” he explained.

A Tarnished Experience with Tariff Disputes

The original tariff dispute adds another layer of complexity to the case. In 2022, Mr. Chowdhry spent hours negotiating an “Intelligent Octopus Go” tariff, designed to benefit homeowners who shift energy use to off-peak hours. Despite adjusting his family’s lifestyle to maximize these benefits—running appliances during discounted hours between 11:30 pm and 5:30 am—the smart meter issues and billing failures meant he never saw the financial savings.

When he attempted to escalate the matter, the Energy Ombudsman ruled that Octopus had reverted him to a standard tariff, as stated in the contract. However, Mr. Chowdhry argued that during a critical call discussing the terms, he had been driving and asked for written confirmation, which was never provided.

“I feel like Octopus Energy is hiding behind technicalities instead of addressing the bigger picture. We followed their guidance to the letter, but all we’ve received is stress and financial uncertainty,” said Mr. Chowdhry.

Seeking Accountability

Mr. Chowdhry is now submitting a second complaint to the Energy Ombudsman, citing new evidence, including a Subject Access Request for all call recordings with Octopus Energy.

“This entire experience has been a relentless cycle of frustration. From ludicrous billing errors that landed me a £15,000+ charge, to unfulfilled compensation promises and delayed solar payments, it has been an emotional and financial nightmare,” he said. “I am determined to hold Octopus Energy accountable, not just for myself but for other customers who may face similar neglect.”

Call to Action

Mr. Chowdhry calls on energy providers to uphold their promises and invest in reliable communication and administrative systems. “Energy companies must prioritize customer trust and transparency. People depend on them for one of life’s most essential services—it’s time they acted like it.”

Mr. Chowdhry has also announced today that he will be switching to a new energy provider, expressing complete disillusionment with the actions of Octopus Energy.

Wilson Chowdhry, Responds to Alex Norris’ Dismissive Response to the RAAC Crisis

Wilson Chowdhry with a delegation of campaigners at 10 Downing Street

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London – Wilson Chowdhry, Chairman of the UK RAAC Campaign Group, has expressed profound disappointment and frustration with the response from Alex Norris, UK Parliamentary Under-Secretary of State for Democracy and Local Growth, regarding the ongoing RAAC (Reinforced Autoclaved Aerated Concrete) crisis. Norris’ response to the concerns raised by affected homeowners reflects a concerning lack of urgency and understanding of the severity of this issue.

The response failed to acknowledge the devastating human cost of the crisis, dismissing the real distress and anxiety faced by homeowners who are living in unsafe homes, or whose homes remain empty due to evacuation. Specifically, the letter ignored the suffering of a Tillicoultry resident, who has been hospitalised for weeks due to stress and anxiety caused by the ongoing uncertainty surrounding their future. This individual in his 60's, suffered multiple seizures on his way to a RAAC protest and is enduring a physical and emotional toll that could have been alleviated by a more responsible and compassionate government response.

In response to Alex Norris’ letter, Wilson Chowdhry stated:

“It is shocking that despite the immense strain this crisis is placing on vulnerable individuals and families, the UK Government continues to deflect responsibility and provide insufficient support. The response from Mr Norris reflects a complete disregard for the real human suffering behind this issue. These families are not just victims of a building safety concern; they are being subjected to immense emotional and psychological harm. To dismiss their concerns in such a callous manner is both indefensible and deeply disappointing.”

The response from Alex Norris reflects a wider lack of understanding among UK politicians who are not directly impacted by the crisis. However, local politicians such as MSP Keith Brown and MP Brian Leishman have shown unwavering support for the affected families in their constituencies. Both have championed justice, pushed for accountability, and fought for action on behalf of those impacted. Additionally, MSP Liam Kerr has been similarly supportive in Aberdeen, working tirelessly to raise awareness and support for homeowners in his area who are struggling with the impact of RAAC.

“MSPs like Keith Brown, Brian Leishman, and Liam Kerr have shown true leadership in standing with the affected families. But the ongoing refusal of the UK Government to take meaningful action is pushing people over the edge. If the government continues to ignore the plight of these residents, they will be responsible for the further deterioration of lives that have already been shattered by this crisis,” continued Chowdhry.

In response to Mr Norris’ dismissive letter, Mr Chowdhry has now written an open letter outlining the serious concerns that continue to be ignored. These include the lack of meaningful financial support, the failure to offer compensation for the homes that have been rendered unsafe, and the continued psychological strain on homeowners facing prolonged uncertainty.

The open letter also urges the government to establish a clear and robust financial assistance scheme, to offer direct support for homeowners dealing with the financial fallout of RAAC, and to improve the response to urgent mental health concerns from affected residents. 

“Enough is enough. The time for deflection and inaction is over. The UK Government must act now to support these homeowners, offering immediate financial assistance and long-term solutions to resolve this crisis. No more empty words—these people need urgent help before more lives are ruined,” concluded Chowdhry.

Mr Chowdhry will deliver his letter to 10 Downing Street next week but has already emailed copies of his response to:

• Prime Minister Keir Starmer MP
• First Minister John Swinney MSP
• Secretary of State for Housing, Communities, and Local Government Angela Rayner MP
• Minister for Housing Paul McLennan MSP
• Parliamentary Under-Secretary of State for Local Growth and Building Safety Alex Norris MP

Open Letter: Response to Alex Norris’s Letter on RAAC and Legislative Reform

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Dear Mr. Norris and other listed politicians.

I thank Mr Norris for his response regarding the pressing issue of Reinforced Autoclaved Aerated Concrete (RAAC) and the legislative changes I outlined. While I appreciate the acknowledgment of the concerns raised, I find the reply deeply unsatisfactory and inattentive to the severity of the crisis affecting thousands of homeowners across the UK, including my daughter in Aberdeen.

Mr Norris has indicated that “building safety is a devolved issue” and suggested this is a matter for the Scottish Government. However, this fundamentally misrepresents the scope of my proposals. Many of the legislative reforms I proposed, including amendments to the Financial Services and Markets Act 2000, the Finance Act 2003, and the introduction of laws akin to General Product Safety Regulations for housing, are UK-wide measures that fall squarely within Westminster's jurisdiction. For example:

1. Amendments to the Financial Services and Markets Act 2000: I proposed allowing homeowners to reduce existing loans to capital payments without interest, specifically to provide relief to those whose properties have been rendered uninhabitable due to structural defects.
2. Amendments to the Finance Act 2003: I requested a provision to renew the first-time buyer status for affected homeowners, ensuring they can access existing supportive schemes to secure new homes.
3. Legislation akin to the European General Product Safety Regulations (GPSR): This would hold developers accountable for rectifying safety issues like RAAC and cladding in homes they built, regardless of resale status. This responsibility aligns with the principle that manufacturers must address safety defects in vehicles over their lifetime, a law derived from European frameworks.
4. Amendment to the Insurance Act 2015: Provide affordable insurance options for homeowners in high-risk areas and encourage insurers to offer specialized, low-premium products for properties with RAAC damage Establish a government-backed insurance scheme for RAAC-affected homes, offering specialized coverage for the unique risks of RAAC.

The dismissal of these proposals as devolved issues suggests that Mr Norris did not review my letter with the care it warranted.

Furthermore, Mr Norris’s letter neglects to address the concerns raised by Scotland’s Housing Minister, Paul McLennan, who has written to my daughter, Hannah, stating:

"Previously the Chancellor had committed to ‘spend what is necessary’ to deal with the issue of RAAC. However, no funding has been forthcoming, including in the recent budget. In addition, as the UK Government has failed to inflation-proof their capital budget, this has resulted in nearly a 9% real-terms cut in our UK capital funding between 2023-24 and 2027-28. We will continue to call on this UK Government, and any future incoming UK Government, to commit to this funding as previously pledged."

This exchange reflects the broader political impasse, with both governments blaming each other, while families and individuals like my daughter bear the burden. Homeowners are not concerned with which government provides the necessary funding—they simply need a fund to exist to prevent financial ruin.

Mr Norris’s suggestion that homeowners should bear the cost of repairing their homes reflects a troubling lack of awareness regarding their financial realities. Aberdeen City Council has estimated that the cost of repairing RAAC-affected roofs could reach as much as £71,000, a figure that is entirely out of reach for most affected individuals. These homeowners predominantly belong to some of the UK’s most deprived communities, frequently appearing high on indices of deprivation. Many lack the financial means or creditworthiness to secure loans, leaving them trapped in an impossible situation with no realistic way to bear such staggering costs.

For example, my daughter, a full-time law student aged 20, cannot secure the financial resources to cover such repairs. The majority of RAAC-homeowners in Aberdeen affected by RAAC are aged between 65 and 90, and many are ineligible for mortgage advances. Suggesting they undertake repairs without a robust national support system ignores the immense scale of this crisis.

Moreover, the response overlooks the fact that the homes affected by RAAC were built by councils using public funds and sold under the UK Government's Right to Buy scheme. This scheme, touted as a pathway to homeownership and financial security, has failed these homeowners. The promise of equitable housing and secure homes has been replaced with financial hardship and the threat of bankruptcy and homelessness.

Perhaps you are unaware that in Clackmannanshire, 30 families affected by RAAC are now burdened with paying mortgages on uninhabitable buildings, alongside council rent and futile insurance policies that provide no coverage for RAAC-related issues. During a recent meeting with council officials and an elected member, a single mother broke down while sharing the overwhelming financial pressure she faces, particularly as she prepares to welcome her third child. A couple also became emotional, describing the profound negative impact the RAAC crisis has had on their lives. Shockingly, a local councillor expressed frustration that these families did not fully appreciate the "huge pressures" on councillors tasked with making decisions that have stripped them of their homes and futures.

This blatant lack of empathy and the bureaucratic indifference displayed by governments and councils are appalling. I urge you to familiarise yourself further with this issue to grasp the devastating toll it is taking on these families and others:

https://wilsonsthirdway.blogspot.com/2024/11/raac-affected-homeowners-outraged-by.html

Have you engaged with the Scottish Government regarding its responsibilities towards the homeowners affected by RAAC? Perhaps you could advocate for a portion of the £3.4bn Treasury budget, as outlined by Chancellor Rachel Reeves, to be allocated specifically for RAAC remediation and voluntary property purchases. Alternatively, you could consider designating these funds yourselves. Over 1,000 individuals are at risk of bankruptcy and homelessness, yet governments at both levels continue to fail to respond decisively. This is no longer just a building safety issue - it is a public health and housing emergency.

I would also like to remind you of the significant financial interventions the UK Government has made in the past. During the 2008 financial crisis, £137 billion was allocated in cash injections and loans to banks, alongside £1,029 billion in guarantees. Surely, it is reasonable to now expect the financial industry to play a role in resolving this crisis, particularly through legislative changes aimed at reducing the interest burden on affected homeowners. Furthermore, could a similar loan scheme or grants not be offered to struggling families who are on the brink of homelessness? Or is the Government’s primary objective to safeguard commerce at the expense of the people it is meant to serve?

Lastly, I must highlight your failure to address my proposals for enhanced home-buying surveys, which would include mandatory assessments of construction materials and their long-term safety implications. Implementing such measures could prevent future crises like RAAC and cladding from wreaking havoc on more families. A scheme of this nature is urgently needed across the UK, not just in Scotland. I am also preparing to meet with the Chief Executive and Leader of Basildon Council to negotiate a fair deal for homeowners being offered inadequate compensation for their RAAC-affected homes. This issue is not confined to Scotland, it is a nationwide crisis that demands a comprehensive and unified response.

I urge you to revisit my letter with the seriousness it deserves and to reconsider the legislative and financial support required to assist RAAC-affected homeowners. The Labour Party’s commitment to fairness and justice must extend to those caught up in this scandal. As the Parliamentary Under-Secretary of State for Local Growth and Building Safety, you are in a position to advocate for a national fund and legislative reforms to provide immediate and long-term relief to those affected.

I eagerly await your response to this letter.

Yours Sincerely

Wilson Chowdhry
Chairman, UK RAAC Campaign Group
wilson@aasecurity.co.uk

Open Letter to Shona Robison: Request for Leadership on RAAC Crisis: A National Fund Is Needed Now

Shona Robison MSP
Cabinet Secretary for Finance and Local Government
MSP for Dundee East
Scottish Parliament
Edinburgh, EH99 1SP

Dear Shona Robison MSP,

Open Letter: Request for Leadership on RAAC Crisis: A National Fund Is Needed Now

I am writing to you on behalf of Mr. Wayne Hoskins and the many other homeowners in Dundee who have been deeply affected by the ongoing RAAC (Reinforced Autoclaved Aerated Concrete) crisis. It is disheartening to note that, despite the scale and urgency of this issue, the response from your office to Mr Hoskins has been inadequate and dispassionate, especially given the profound impact on your constituents.

In Mr. Hoskins' recent correspondence, it is clear that he is asking for assistance, particularly with regard to the difficulties he is facing with his mortgage provider and insurance company. As you will know, both these sectors are protected by laws introduced by the UK Government, which have left many homeowners in an untenable position. A spokesperson from the Association of British Insurers has explicitly stated that domestic buildings insurance policies are generally not designed to cover defects, cracking, or collapse arising from building materials, such as RAAC. This leaves homeowners like Mr. Hoskins unable to seek proper insurance coverage or compensation for the damage caused to their homes.

Your response, which downplays the severity of the issue by focusing on the potential for legal action, seems wholly inadequate, especially considering the scale of the crisis in Dundee.

It is deeply disheartening to see your response suggesting that Mr. Hoskins should pursue legal action, while simultaneously excusing yourself from providing meaningful assistance. Your comment, "I understand that this will be primarily a legal dispute, and I was glad to read that you have sought advice from a solicitor in this matter. As a result of the legal nature of this complaint, there will be a limit on the assistance that our office can provide as MSPs are not permitted to become involved in legal disputes," is deeply troubling.

This response not only ignores the real and urgent need for direct government intervention, but it also fails to recognize that this crisis is not merely a legal issue—it is a public health and housing emergency. Your position and experience should have prompted you to offer more than just a referral to legal counsel; you should have been actively advocating for a national budget to address the crisis. This was something that was recently raised by Liam Kerr during Portfolio Questions in Parliament on 30th October, yet you made no mention of the need for a national budget to remedy the RAAC issues. Instead, you simply advised Mr. Hoskins to take the matter up through litigation, a process that, as you know, is likely to be a David versus Goliath battle for the affected homeowners.

Moreover, your failure to acknowledge the mental and emotional toll that this crisis has had on residents like Mr. Hoskins is deeply concerning. As someone who has held numerous cabinet positions, including Cabinet Secretary for Social Justice, Housing, and Local Government, you should have been in a position to detect the distress of your constituents and offered pathways for support or advocacy, rather than simply deflecting responsibility.

While you suggest that you could write to the Scottish Government or Dundee City Council on Mr. Hoskins' behalf, it is clear that what is needed is not just correspondence but a bold, national response. This crisis requires a national solution, with financial backing, and you, as a senior politician, have the influence and the duty to push for this. By extricating yourself from providing real solutions and focusing on a potential legal route that Mr. Hoskins was not yet pursuing, you have failed to provide the leadership your constituents need at this critical time.

Moreover, you must be aware of the petition I submitted to the Scottish Parliament Petition Committee, which has been shared with every MSP in the country. Your response to Mr. Hoskins, advising him to pursue legal action, seems disingenuous, particularly given your awareness of the background of these homes, many of which were built in 1965 by Scottish councils under the Government's right-to-buy scheme. These homes were constructed under policies that have led to the current crisis, and to suggest legal recourse as the only solution is a failure to address the root cause of the problem.

Your recent comment: "However, I note that you have queried whether Dundee City Council could make some financial assistance available to the homeowners who have been affected but are yet to receive a response. With your permission, we would be happy to write to the Council on your behalf to chase this up. We could also write to the Scottish Government to query whether they could provide some assistance, or signpost as to where you might be able to go for further support." is deeply distressing. It seems to indicate a lack of commitment to actively support a national solution and to prioritize what your constituents need most—financial and governmental intervention at a national level.

Your comment that you would "write to the Government" on his behalf is, frankly, insufficient. It is clear that you have the power and influence to push for a national budget to resolve this crisis, yet your response shows little passion or urgency in providing the assistance that your constituents desperately need.

Your response is a stark contrast to the urgency and commitment that is required to address the scale of the RAAC crisis in Dundee. The affected residents need more than just letters; they need action, advocacy, and a government that will stand by them in their time of need.

I urge you to reconsider your approach and to use your position to push for a national budget and immediate financial support to address this crisis. It is time for you to show leadership and ensure that the residents of Dundee receive the help they desperately need.

I look forward to your prompt response, not just in writing letters to the Council, but in leading the way to secure the financial assistance and reforms that are urgently needed.

Yours sincerely,

Wilson Chowdhry
Chairman
UK RAAC Campaign Group

Snow-Covered Roads, Unstoppable Determination: A Journey Toward Justice for Dundee RAAC Victims

 

IMAGE: L-R Kerry Mackintosh Deputy Chair UK RAAC Campaign Group, Yvette Hoskins Secretary Dundee RAAC Campaign Group, Wilson Chowdhry Chairman UKRCG and Wayne Hoskins Chairman DRCG.

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WATCH FIRST NATIONAL AND INTERNATIONAL NEWS FEATURE ON RAAC HOUSING CRISES (HERE)

Watch the historic moment as the Scottish Parliament Petitions Committee officially backs the UK RAAC Campaign Group’s petition—a groundbreaking step in our fight for justice and accountability! (here)

RAAC Crisis in Dundee: Community Unites as Over 900 Homeowners Demand Urgent Action

Dundee has become the epicenter of a nationwide crisis, with over 925 homes confirmed to be affected by Reinforced Autoclaved Aerated Concrete (RAAC). Residents from areas such as Whitfield, Menzieshill, Lochee, Craigiebank, and surrounding neighborhoods have united to demand immediate action from local authorities and government officials to address the serious dangers posed by RAAC in their homes. Dundee now holds the unfortunate distinction of having the largest number of homeowners impacted by RAAC in Scotland.

Despite the tumultuous weather, 23 dedicated individuals attended the public meeting, with some choosing to remain off-camera.

This growing crisis led to a dedicated local community campaign, driven by residents, campaigners, and key local figures who recently gathered to discuss solutions. The campaign was sparked when local resident Mr. Wayne Hoskins commented on a post by the UK RAAC Campaign Group. In response, Mr. Wilson Chowdhry, Chairman of the group, encouraged Mr. Hoskins to create a Facebook page for Dundee homeowners affected by RAAC. Their collaboration deepened as Mr. Chowdhry wrote a blog highlighting Mr. Hoskins' concerns and facilitated connections with local media. As momentum built, Mr. Chowdhry advised Mr. Hoskins to organize a protest and public meeting, pledging his full support. The resulting meeting showcased an extraordinary display of unity and determination, marking what many have hailed as a turning point for the movement.  Mr Chowdhry, was asked to preside over the inaugural meeting which was held at Downfield Mains Church, 39 Haldane Cres, Dundee.

Wilson Chowdhry, Chairman of the UK Campaign Group, stressed the urgency of the situation. “RAAC is a national crisis, and it is being ignored by those in power. We’re seeing a crisis unfold in Dundee, where over 900 homes are at risk. This is not just a local issue; it is a national failure, and the government must take responsibility,” he said. “Our communities are in turmoil, with no support or financial recourse from the local council or the government. We have been left out in the cold with a ticking time bomb in our homes.”

 "Homeowners have been abandoned by local councils and government agencies, left to fend for themselves as their homes crumble around them," he added.

 

At the conclusion of the meeting, local homeowners gathered around a banner displayed at the front of Downfields Mains Church.

Community-led Action

The meeting, held on 23rd November 2024, marked a pivotal moment for those affected by the crisis. During the gathering, a new committee was elected to lead the campaign, ensuring that the voices of homeowners are amplified and their concerns addressed. The committee includes local residents and activists Wayne and Yvette Hoskins, whose dedication has been instrumental in driving the campaign forward. Additionally, the UK RAAC Campaign Group pledged its continued support, reinforcing a collective commitment to advocate for immediate action and transparency from both local councils and the Scottish Government.

Deputy Chair for UK RAAC Campaign Group, Kerry Mackintosh, spoke passionately about the importance of unity. “This is about more than just us as individuals—this is about our community and our children’s safety. We cannot sit idly by while our homes crumble around us. We have faced danger together, and we will continue to fight for every person impacted by RAAC,” she said.

Kerry Mackintosh and Wilson Chowdhry's dedication to the cause was evident in their challenging journey to Dundee, undertaken despite a yellow weather warning and adverse conditions. Mr. Chowdhry traveled by coach from London, witnessing two coaches become stuck as their drivers refused to continue. However, the driver of his coach persevered, navigating snow-covered roads to reach Dundee, where relentless rain awaited. Similarly, Kerry Mackintosh faced significant obstacles, with three trains canceled before she finally managed to attend. Her determination led her to join a protest outside the Council Chambers from 12:00 to 13:00, followed by her participation in the community meeting from 14:00 to 16:00.

Four brave protestors gathered outside Dundee Chambers, calling for justice for RAAC homeowners.

“I cannot stress enough how challenging it was to get here today. The weather conditions were dangerous, but it’s nothing compared to the danger the residents here are facing every day in their homes,” said Wilson Chowdhry. “Kerry and I were determined to be here to support the community, and we will continue to do whatever it takes to ensure that those affected by RAAC are not left behind.”

Distressing footage captures the treacherous, snow-laden roads leading to Dundee, highlighting the challenging conditions faced by travelers.

Despite three cancelled trains, Kerry persevered and made it to the protest and community meeting. Here she is, seated on a train to Dundee from Edinburgh.

Key Concerns and Urgency for Action

The meeting underscored several pressing issues confronting Dundee homeowners impacted by RAAC, emphasizing the need for immediate attention and action:

1. Lack of Support for Homeowners
   Many residents are unable to sell their homes, secure loans, or undertake necessary repairs due to RAAC. This has left them in a state of financial and emotional crisis, with no clear path forward.

2. Financial Disparity
   While the UK Government has allocated £3.4 billion to address RAAC in public buildings, private homeowners affected by RAAC have been excluded from financial support or compensation, deepening their sense of injustice.

3. Dundee RAAC Hotspots
   Confirmed RAAC-affected areas include Whitfield, Menzieshill, Lochee, and Craigiebank. Residents have also reported potential RAAC concerns in Barnhill, Monifieth, and Dryburgh, despite the council denying these claims.

4. Council Inaction
   Local council officers and councillors have failed to respond adequately to residents' communications. Furthermore, they have not raised the issue for debate in full council meetings, effectively silencing residents and preventing them from voicing their concerns to elected members.

5. Evacuation Risks and Property Abandonment
   Wilson Chowdhry highlighted the possibility of buildings being condemned, with homeowners facing sudden evacuation with as little as two hours’ notice—similar to the situation in Tillicoultry. In that case, his advocacy resulted in residents being allowed temporary reentry to retrieve personal belongings left in deteriorating buildings, while still bearing the financial burden of mortgages, council rents, and futile insurance policies that do not cover RAAC-related issues.

Chowdhry stressed that councils and the government must take accountability for the building practices that led to this crisis. It is unjust to place the burden solely on homeowners, who were unaware of RAAC’s dangers when purchasing their properties. Immediate intervention and meaningful support are critical to prevent further suffering and displacement.

“We’re living in constant fear, not knowing whether our homes are safe for our families,” said secretary for the new group, Yvette Hoskins “The council keeps telling us it’s our responsibility, but no one is providing any help. We’ve been forced to take matters into our own hands.”

A large banner was prominently displayed at the front of Downfield Mains Church.

The Call for Change

In response to the growing crisis, a petition has been launched urging the Scottish Parliament to take decisive action. Although only around 50% of meeting attendees were initially aware of the petition, they were strongly encouraged to sign and share it widely to build momentum and demonstrate collective support.

The petition outlines key demands, including:

1. A National RAAC Budget
   Establishing a dedicated fund for homeowners affected by RAAC. This fund would include compensation for those subjected to forced relocations or compulsory purchase orders.

2. Amendments to Legislation
   Advocating for changes to the Homebuyer Report to mandate full disclosure of RAAC risks. Additionally, it calls for holding developers accountable for properties built using RAAC.

3. A High-Risk Property Register
   Introducing a national register for properties containing RAAC, aimed at ensuring transparency and safeguarding future homeowners from the risks posed by this material.

4. A Public Inquiry
   Calling for an inquiry into the Government's and councils' handling of RAAC, spanning from its initial purchase and use in construction to their responses to the current crisis affecting homeowners.

This petition represents a unified demand for transparency, accountability, and meaningful action to protect homeowners and prevent future crises.

“This petition is not just about securing support for those affected—it’s about ensuring that future homeowners are not put in the same dangerous position,” said Mr. Chowdhry. “RAAC was a government-approved material used in public housing, and the government must take responsibility for the failure to protect homeowners.”

Local homeowners are determined to fight for justice.

A Call for Unity and Community Action

The meeting concluded with a powerful call to action. Homeowners and campaigners were urged to spread awareness of the issue, share information, and encourage others to get involved in the campaign.

“The only way we will get through this is by working together. We have to stand united, share our stories, and demand that the government listens,” said Wayne Hoskins, Chairman for the new Community Group. “If we stand together, we can make a difference. We are stronger than this crisis, and we will not be silenced.”

The committee plans to continue organizing local meetings, sharing information, and putting pressure on both Dundee City Council and the Scottish Government to act. The group also intends to collaborate with other affected communities across Scotland to build a larger network of support.

This image, taken from Mr. Chowdhry's coach, illustrates the thick snow in Perth, where two coaches became stuck, and their drivers decided to halt the journey. The beauty of the snow belies the treacherous conditions, which almost prevented Mr. Chowdhry from reaching the venues.

Open letter to John Swinney calling for help for RAAC Homeowners

JOIN OUR 'UK RAAC CAMPAIGN GROUP' FB PAGE (HERE)

 

PLEASE SIGN OUR PETITIONS FOR UK GOVERNMENT (CLICK HERE) and OFFICIAL SCOTTISH GOVERNMENT (CLICK HERE)

WATCH FIRST NATIONAL AND INTERNATIONAL NEWS FEATURE ON RAAC HOUSING CRISES (HERE)

Watch the historic moment as the Scottish Parliament Petitions Committee officially backs the UK RAAC Campaign Group’s petition—a groundbreaking step in our fight for justice and accountability! (here)

MSP John Swinney
First Minister for Scotland
Scottish Government
St Andrew's House
Regent Road
Edinburgh
EH1 3DG

Open Letter to John Swinney, First Minister of Scotland

Dear John Swinney MSP,

I am writing to you in response to your recent statement about creating an environment where “every person in Scotland can thrive” and your commitment to a bottom-up approach to governance. While I acknowledge your intention to foster progress from the ground up, a pressing matter stands in stark contrast to this vision: the housing crisis facing homeowners impacted by Reinforced Autoclaved Aerated Concrete (RAAC) in Scotland.

As you well know, a growing number of homeowners across the country are facing potential bankruptcy and homelessness due to the discovery of RAAC in the structures of their homes. Despite recognizing this serious issue, many affected families are left in limbo, waiting for meaningful support from the Scottish Government. These individuals, often living in fear of an uncertain future, are desperately seeking a resolution from a government that has promised to create conditions for everyone to thrive.

Homeowners struggling with the RAAC crisis are still waiting for decisive action. The bottom-up approach you champion may be effective in many areas, but it has failed to materialize into tangible support for those living with RAAC-related risks in their homes.

Just last week, on November 13, the Scottish Parliament’s Petitions Committee reviewed the petition submitted by myself and my daughter for RAAC homeowners, which included several actionable and positive next steps. Despite the committee's commitment to pursue these measures, including consulting experts, engaging with the Housing Minister, and addressing concerns with UK Government funding, homeowners continue to face uncertainty, with no clear timeline for the necessary financial support or remediation plans.

While the committee has agreed to keep the petition open to gather more information, homeowners are left in the precarious position of having to wait for further consultation and evidence gathering, while their homes are literally crumbling beneath them. The current local authority schemes offer only advice and not the financial support needed to address the

In your recent speech, you claimed that “every single day, I meet inspirational people from all walks of life – people who are doing their bit to make their community, their business or their country that wee bit better today than it was yesterday.” I find it troubling, then, that despite the gravity of the situation, you have yet to meet with any of the thousands of homeowners across Scotland who are living in homes made dangerous by RAAC (Reinforced Autoclaved Aerated Concrete). These homeowners are facing mounting debts, bankruptcy, and the very real possibility of homelessness, yet they have received no meaningful support from the Scottish Government.

While you’ve spoken of the importance of “creating the conditions for every person in Scotland to thrive,” it seems clear that RAAC homeowners have been left behind in your rhetoric. Councils across Scotland are offering little more than paltry and often punitive proposals — Voluntary Agreements that are unreasonably low, and Compulsory Purchase Orders that absolve local authorities of responsibility for the use of substandard building materials that have endangered these families’ homes and safety. These were not homes built by the homeowners themselves but were properties sold to them through government-backed schemes such as the Right to Buy. Many of these homes are now health and safety hazards, and the people who trusted the state to protect them are being left to pay the price for a failure they did not cause.

As a representative of the thousands of people affected by the RAAC crisis, I, Wilson Chowdhry, am more than willing to meet with you and discuss the plight of these homeowners. If you truly want to “roll up your sleeves” as you have stated, this meeting could be a productive step toward understanding the dire situation these families face. I would be happy to introduce you to many of the homeowners directly impacted by RAAC, who would be willing to provide firsthand accounts of how they have been unfairly treated. Their stories are powerful, and it is essential that those in positions of power hear their voices.

There is also a huge opportunity for you, Mr. Swinney, to right this wrong. The £3.4 billion budget being offered by the Chancellor, Rachel Reeves, could be used to establish a national fund for RAAC homeowners. This could be modelled on the similar funds created for victims of cladding and flood damage. The time to act is now, and the Scottish Government has the ability to make a real difference for those suffering the consequences of RAAC. In fact, many of these families are facing debts they can never repay, mortgage payments for homes that will eventually be demolished, and insurance premiums that do not cover any incidents of the damage caused by RAAC.

Take, for example, the families in Tillicoultry, who find themselves trapped in what can only be described as a “mortgage prison.” They are forced to continue paying for properties that will ultimately be demolished, unable to secure offers from other banks as they remain tied to a single lender. Many are now renting from councils, while their insurance policies refuse to cover repairs, citing RAAC as a pre-existing issue. In addition, these homeowners are losing precious belongings, as they face the ongoing threat of being unable to enter their properties, and are burdened with exorbitant storage costs. Then, there are the homeowners in Aberdeen, confronted with £71,000 in repair bills deducted from already paltry voluntary offers, with no consideration for the current market value of their homes, which has effectively dropped to zero due to RAAC.

This is not an isolated issue. Homeowners in Angus, Dundee, Lanarkshire, Edinburgh, West Lothian, and many other areas are still waiting for government intervention. Paul McLennan, a key figure in this issue, has refused to extend help to homeowners, claiming that the Scottish Treasury cannot provide financial support to those affected by RAAC, citing a lack of funding from the UK Government. Yet, considering the £3.4 billion budget being offered by the UK Treasury, this excuse rings hollow. The record size and scale of this budget offers a tremendous opportunity for the Scottish Government to act decisively and provide much-needed relief to RAAC homeowners.

Mr. Swinney, you have a historic chance to demonstrate real leadership in addressing this crisis. Homeowners are desperate for a solution, and the time for delay and excuses has passed. I urge you to meet with me and some of those directly affected, understand the full extent of the suffering they are enduring and work toward a national fund that will allow these families to rebuild their lives.

The words “creating an environment for every person in Scotland to thrive” must go beyond political rhetoric and be reflected in meaningful action. These homeowners, who have been failed by the system, deserve nothing less.

I look forward to your response and hope that you will take the necessary steps to correct this grave injustice.

Sincerely,



Wilson Chowdhry
Chairman, UK RAAC Campaign Group

wilson@aasecurity.co.uk

Wilson Chowdhry Challenges John Swinney’s Commitment to Inclusive Governance in Open Letter

Wilson Chowdhry leads protest outside Scottish Parliament

PLEASE JOIN OUR 'UK RAAC CAMPAIGN GROUP' FB PAGE (HERE)

PLEASE SIGN OUR PETITIONS FOR UK GOVERNMENT (CLICK HERE) and OFFICIAL SCOTTISH GOVERNMENT (CLICK HERE)

WATCH FIRST NATIONAL AND INTERNATIONAL NEWS FEATURE ON RAAC HOUSING CRISES (HERE)

Watch the historic moment as the Scottish Parliament Petitions Committee officially backs the UK RAAC Campaign Group’s petition—a groundbreaking step in our fight for justice and accountability! (here)

Edinburgh, Scotland – November 24, 2024: Wilson Chowdhry, Chairman of the UK RAAC Campaign Group, has issued a strongly worded open letter to First Minister John Swinney, calling out the Scottish Government’s inadequate response to the ongoing crisis faced by homeowners affected by Reinforced Autoclaved Aerated Concrete (RAAC). The letter, prompted by Mr. Swinney’s recent public statements during St Andrews Day, on creating an environment for all Scots to thrive, was sent via email today and will be hand-delivered to St. Andrew’s House and the Scottish Parliament by campaigner Kerry Mackintosh on Wednesday, November 27, 2024.

The letter highlights the disparity between the First Minister’s vision of a “bottom-up” governance approach and the lived reality of thousands of Scottish families whose homes, built with the now-dangerous RAAC material, have become financial and safety liabilities.

Deputy Chair for the UK RAAC Campaign Group Kerry Mackintosh delivers our letter to St Andrews House.

“The Scottish Government’s failure to act decisively has left these families in mortgage prisons, unable to access meaningful assistance,” writes Chowdhry. “While councils offer inadequate solutions like voluntary agreements or compulsory purchase orders, these families continue to suffer under crushing debt, lost belongings, and the looming threat of homelessness.”

The issue gained renewed attention after the Scottish Parliament’s Petitions Committee reviewed a petition by Wilson Chowdhry and his daughter earlier this month. Despite commitments to explore expert advice and government engagement, the homeowners are yet to see a clear path to remediation.

Chowdhry urges Mr. Swinney to utilize the £3.4 billion budget recently allocated by the UK Chancellor to establish a national fund for RAAC-affected homeowners, akin to funds created for cladding and flood victims. He also calls for a direct meeting with the First Minister, offering to introduce impacted homeowners who can share their personal accounts of financial despair and systemic neglect.

In a powerful closing statement, Chowdhry writes:
“The words ‘creating an environment for every person in Scotland to thrive’ must go beyond political rhetoric and be reflected in meaningful action. These homeowners, who have been failed by the system, deserve nothing less.”

Deputy Chair for the UK RAAC Campaign Group Kerry Mackintosh delivers our letter to St Andrews House.

The delivery of the letter marks another pivotal moment in the campaign to secure justice for RAAC homeowners. Campaigner Kerry Mackintosh personally delivered copies of the letter to St. Andrew’s House and the Scottish Parliament, ensuring that the message cannot be ignored.  Kerry Mackintosh, said:

"It's not enough for John Swinney to grandstand with promises of fairness and prosperity while RAAC homeowners remain ignored. His words about 'starting from the bottom up' mean nothing until he addresses the plight of those left in limbo by this crisis. We need action, not empty rhetoric."

The UK RAAC Campaign Group continues to advocate for affected families across Scotland and the UK, urging policymakers to take immediate action and provide the support necessary to rebuild lives shattered by the RAAC crisis.

A full transcript of Mr Chowdhry's letter can be read (here).

A printed copy of the letter has been submitted to the Scottish Parliament and to Scottish Government building at St Andrews House.