203k with unpermitted/unlicensed elec/plum work by licensed GC

[Mark Griep]

Hi Everyone,

Got a 203k loan to fix up a foreclosed house in Maryland as it required ~$120k in work.   It was supposed to be a 4 month project, but a year later the nightmare continues~  The selected general contract is licensed to work in Maryland and there was a 203k consultant for the withdrawal inpsections; both of whom were recommended from the guy I got the mortgage through (perhaps my first mistake..).

Among the many issues I'm still fighting with the contractor on (contract items not finished, new deck/porch falling apart), the part that worries me the most is the electrical and plumbing.  The project required bring all the electrical up to code, redoing ~70 outlets, installing ~20 light fixtures , 2 full bathrooms and a complete kitchen that was redesigned from the previous kitchen layout.  The contract specifically laid out ~$8k in electrical and plumbing work.

Upon moving in I found multiple wiring issues, such as the built-in microwave, kitchen count circuit, and dishwasher all wired to the same breaker so it blew all the time.  Checking into it I found that no electrical or plumbing permits were ever pulled on the project and that the final inspection on the 'general renovation' permit with the county was not completed.  I tried for months to get the GC to finish the final inspection but he never did, so recently I scheduled the inspection.  The county inspector came out and would not approve the final as both electrical and plumbing permits were required.

So now I'm in a position where my new house (that I currently live in) has an open permit that failed inspection and electrical/plumbing violations.  Curious for any thoughts on how best to go forward from here?