Look, it's the heating pipes not the hot water pipes. Hot water pipes aren't hot long enough to give this problem, and it would only happen when you'd drawn off hot water. If you have a hot water cylinder and the 3 port valve or whatever in an airing cupboard, have a good look there as the pipes often cross each other there, perhaps under the floor. The bad news is you have to separate them and insulate them which means a bit of work. Not to be alarmist, but warm cold water pipes between 20 and 50 C are a good way to grow legionella, so you ought to sort it out for your family's health. If your system is not as I imagine, i.e. traditional with hot water cylinder etc. you'll need to give more details
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