The couple, Steven and Vicky Robinson, of the Dunhill Estate, Halton, say a string of building blunders has stopped them settling down to marital bliss.

And on top of that, one of the building companies contracted by insurers MMA – and loss adjusters Cunningham Lindsey – sent them a £29,000 bill for the 'work'.

Vicky, 30, said: "I am at breaking point at the moment. I love my job and hate the thought of taking any time off, but the stress is so bad I am thinking of going to my GP and saying I can't cope.

We were so happy when we got this house, it is our first house as a couple, but at the minute all I can do is worry."

Building problems the two have suffered include:

Plastering quality of such a poor level they have scrapped two lots of work

Plaster waste being dumped in their flowerbeds

A huge bathful of waste water being left in their living room

Further damage caused by kitchen water pipes being cut

Thinking they had been burgled – when instead a contractor without keys had broken in through the kitchen window;

Electricity cables being cut through

Long periods when no work was done

The Robinsons moved into their Whitebridge Avenue home in May 2006, the one year in the last four that the Dunhills were not flooded.

Married in September last year, their wedding plans were well under way at the time of the 2007 washout.

They are currently renting a house while they wait to get their own home back.

Steven, 42, said: "We have always been very happy with some of Cunningham Lindsey's work. They organised the rented house, settled the contents claim accurately and quickly and have made a point of ringing us to check on progress.

"But the building problems have been ridiculous, cowboy builders have been the real cause of our problems.

"We have complained about them and also that we weren't listened to when we pointed out how bad the work was."

Paula Wallace, communications manager for MMA, said the company was taking the Robinsons' complaint seriously. The case has now been sent to senior managers at Cunningham Lindsey, she said, and a meeting had been arranged for next week.

Ms Wallace said: "It seems that something has gone awry with this case, and we have taken steps to try to settle the matter.

"We will continue to monitor the situation and understand how stressful it must be."