zoe conway with that report. zoe joins us now.e the insulation comes and it is warm, the rubble can be cold and it creates a cold spot which can cause condensation, moisture, which travels into the house and that can cause damp and mould. it has to be done properly and it needs necessary checks. for several years there have been concerns by campaigners, mps, homeowners that the czechs have not happened. there is an issue about a lack of oversight and regulation —— checks. the government a few years ago set up a review and trusted, they tasked an independent organisation called trustmark to raise standards. and trustmark acknowledged there needs to be more work done on consumer protection and it needs to be more robust. meanwhile, we have a legacy of 15 years of this work having been done with people stuck not knowing where to turn, as we heard from those two cases. ., , to turn, as we heard from those two cases, , , to turn, as we heard from those two cases. , , ., ~ cases. those cases were stark in our cases. those cases were sta