CIBSE publishes several guides to HVAC design relevant to the UK market, and also the Republic of Ireland, Australia, New Zealand and Hong Kong. These guides include various recommended design criteria and standards, some of which are cited within the UK building regulations, and therefore form a legislative requirement for major building services works. The main guides are:

You should be aware that although a substance may look like mold, a positive determination of whether it is mold or not can be made only by an expert and may require laboratory analysis for final confirmation. For about $50, some microbiology laboratories can tell you whether a sample sent to them on a clear strip of sticky household tape is mold or simply a substance that resembles it.
Cost Factors: The size of the unit, its efficiency and it’s single-stage, two-stage or variable-capacity are the top cost factors. Features like communicating technology and improved dehumidification performance also affect the price. Learn more about communicating technology here including the pros and cons, before being agreeing to a communicating system.
Sounds like your first hvac company was ripping you off. Ask your new company to go to your coil and see if there is a leak. If there isn't the last company was just lining their pockets. If you have had ducts unhooked for a long time I would recommend duct cleaning, trust me I'm not a fan of duct cleaning myself. I have done hvac for 20 yrs. in GA. When I just bought a home built in 1996, we had all the ducts replaced immediately.

I just had my blower module replaced because my AC coil was frozen over. The underside of my coils had a thick mat of dust because I had never had it cleaned. I cleaned it myself by using a soft brush attachement on a shop vac. The inside of the blower appears to have a white/green growth, and I am sure the ductwork of my 30 year old house can’t be in good condition.
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