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After almost three years of uncertainty, it has finally emerged that Clackmannanshire Council has successfully secured funding from the Scottish Government for the remediation of the RAAC-affected homes in Tillicoultry.
During a conversation with Kim Grieve, Project Co-ordinator within Clackmannanshire Council's PLACE – HRA Capital Projects and Assets Team on Thursday 11th June, it was confirmed that the council has received grant funding through the Affordable Housing Supply Programme. However, as many homeowners had anticipated, the funding is only available to remediate properties once they have been acquired by the council through the voluntary acquisition process.
According to Ms Grieve, Strategic Director of Place Kevin Wells has instructed council officers to explore how funding can be identified from other council budgets to provide a fixed additional payment to homeowners in addition to the current market value of their properties. Mr Chowdhry, Chair of the UK RAAC Campaign Group, said:
"The significance of the funding decision cannot be overstated. The Scottish Government agreed to provide financial support and grant flexibilities to Clackmannanshire Council on the understanding that doing so would help bring a resolution to the plight of homeowners affected by the RAAC crisis. However, while the funding will enable remediation once properties have been acquired by the council, many homeowners remain in an exceptionally difficult position. The valuations currently being offered are based on homes whose market value has been severely depressed by the presence of RAAC and the stigma associated with it. As a result, many residents face receiving substantially less than they would have expected had their properties remained unaffected.
"Some homeowners sold to the council after receiving assurances that any future Government funding would be reflected in revised settlements, while others chose to retain ownership in the hope that a fairer outcome could eventually be achieved. Meanwhile, many continue to pay mortgages, insurance premiums and other costs on homes they have been unable to occupy for almost three years. Through no fault of their own, families have seen their financial security eroded while living with prolonged uncertainty, mounting expenses and the loss of equity in homes that often represented their largest asset.
"Although the proposed fixed payment has the potential to improve homeowners' financial position, it will not come close to compensating them for the full extent of the losses they have suffered. Those losses include years of mortgage and insurance payments on empty properties, diminished property values, disrupted lives, and the emotional and financial strain of enduring a crisis that should never have been allowed to continue for so long."
While this development represents significant progress, homeowners have been left shocked and frustrated by the revelation that the funding approval was not communicated to them sooner.
For months, affected residents have repeatedly requested updates through Wilson Chowdhry, Chair of the UK RAAC Campaign Group. Those requests were made specifically because many homeowners continue to pay mortgages, insurance premiums and other expenses on homes they cannot occupy. Access to this information would have enabled families to make informed financial decisions and potentially avoid thousands of pounds in unnecessary expenditure.
Mr Chowdhry has now written to Clackmannanshire Council expressing what he described as his "abject disgust" that homeowners were not informed immediately once funding had been secured.
He said:
"Homeowners have spent almost three years living in limbo. Many have continued paying mortgages and insurance on empty properties because they lacked the information needed to make informed decisions. It is deeply disappointing that such significant news was withheld while families continued to suffer financially."
One homeowner particularly affected by the lack of clarity is Lynsey Macquater, Chair of the Tillicoultry RAAC Campaign Group and an NHS nurse.
Having lived in her home for almost 25 years, Ms Macquater now has only a small remaining mortgage balance. Despite opportunities to sell her property to the council, she chose not to do so because she believed homeowners deserved clarity before making such an important decision. She also remained in solidarity with neighbours who were still seeking a fair resolution.
Although a final settlement package has not yet been agreed, Mr Chowdhry has now advised Ms Macquater that she may wish to reconsider selling to the council given that the successful grant application appears likely to result in an additional fixed payment being offered to all homeowners.
However, he has also warned that other residents may now decide to sell before the details of any fixed payment are finalised.
He believes a payment closer to £15,000 would be more appropriate given the prolonged delays and numerous changes in council policy over the past three years.
Homeowners have witnessed the council move from a voluntary acquisition strategy, to remediation proposals, then to a mixed remediation and acquisition approach, before ultimately returning to voluntary acquisition once again.
Furthermore, it is now more than six months since the council agreed to Mr Chowdhry's long-standing demand to reapply for funding through the Affordable Housing Supply Programme.
A meeting was subsequently arranged with former Housing Minister Mairi McAllan, who committed to supporting efforts to secure assistance. However, Mr Chowdhry notes that he originally proposed pursuing this funding route almost two years before meaningful action was taken, representing a significant missed opportunity that may have spared homeowners years of uncertainty.
In his letter to the council, Mr Chowdhry has also sought assurances that all fixed payments will be applied equally and fairly.
He has requested confirmation that homeowners who choose to sell now will not be disadvantaged if higher payments are negotiated later. Equally, he argues that those who delay selling should not receive preferential treatment over families who act in good faith based on the information currently available.
Finally, concerns have been raised regarding potential tax implications.
Some homeowners have already sold their properties to the council. If additional fixed payments are made after those transactions have completed, questions remain over whether HM Revenue and Customs may treat the payments differently from the original property purchase, potentially creating an unexpected tax liability.
Mr Chowdhry has urged Clackmannanshire Council to seek urgent clarification and, if necessary, identify mechanisms that would prevent affected families from suffering any financial penalty as a consequence of the council's delayed decision-making.
While the confirmation of Scottish Government funding marks an important milestone, many homeowners believe significant questions remain unanswered.
For families who have endured almost three years of uncertainty, the funding announcement is welcome. However, residents continue to seek transparency, fairness and assurances that the final settlement will reflect the enormous financial and emotional burden they have carried since being forced from their homes.
As discussions continue, homeowners will be hoping that this latest development finally marks the beginning of a clear and equitable resolution to one of Scotland's longest-running RAAC crises.
The RAAC crisis is not just about concrete—it is about accountability.
And we are far from finished.
📧 Email: wilson@aasecurity.co.uk
📢 Twitter/X: https://x.com/WilsonChowdhry
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