I knew if I asked on here I'd get loads of really helpful replies and advice, thanks again!
well, the good news is that the nice man from the council who sees the same problem every day said it was absolutely definitely a condensation problem, and on a scale of 1 to 10 ours was about a 2 :o (really feel for people who rate above a 2!!!) he tested all the walls with a damp meter: normal reading (150) on ALL the walls at top and bottom, which is a relief, so no need to dig up the floors and replaster - PHEW!
so OH and I spent the weekend cutting off the edges of the carpet and pulling up underlay in both bedrooms, chiselling off the original floor tiles, stripping wallpaper, and sugar-soaping everywhere. exhausted but clean and, more importantly, dry :) new regime of obsessively opening windows has already started ;D
the plan is to raise the temperature of the floor by bonding a layer of insulating material to it - council man couldn't remember the name of it - or laying a new insulating layer of screed, then a laminate floor NOT carpet.
thanks again for all the helpful info :)