You've hit on a few key issues here. Let's break them down

1. Multiple Neutrals on a Single Terminal:
This is a serious violation of the National Electrical Code (NEC) and a major safety hazard. The NEC (typically 408.41) requires that only one conductor be terminated under a single terminal unless the terminal is specifically listed and labeled for multiple conductors. The grounded (neutral) conductor must have a proper termination to ensure a reliable return path for current, and overloading a terminal can cause overheating, loose connections, and arcing.2. Romex Sheathing Issues

Stripping the outer jacket of NM cable (Romex) inside the enclosure is a

code violation (typically 312.5(C)(1)). The cable sheath must extend into the enclosure, providing strain relief and protection to the individual conductors. The proper way to terminate NM cable is to use appropriate cable connectors (like NM clamps or bushings) that secure the cable to the enclosure while protecting it from abrasion.3. Tandem/Twin Breakers (Non-CTL vs. CTL)

This is the core of your question and often misunderstood. The `CTL` in breakers stands for "Circuit Total Limitation". It's a UL standard that prevents exceeding the maximum number of circuits for which a panelboard is designed.

Pre-CTL Panels

Before the introduction of CTL panels, the number of circuits that could be installed was limited by physical space.

CTL Panels (Post-1968)

CTL-compliant panels have specific busbar designs and physical constraints that limit the number of breakers that can be installed. CTL breakers are designed with physical features that allow them to be installed only in specific locations within a CTL panel.

Non-CTL Twin Breakers

These were designed for older panels without CTL limitations. They are not physically compatible with modern CTL panels.

Why is this important? Using non-CTL breakers in a CTL panel defeats the purpose of CTL, potentially overloading the panelboard's busbars, exceeding its ampacity rating, and creating a fire hazard.4. Inspector's Oversight (Possible, But Not Assumed)

It's

possible the inspector missed the non-CTL breakers. Inspectors are human and can sometimes miss things, especially if the panel is crowded or poorly labeled. However, it's also possible the inspector mentioned it and your acquaintance didn't fully understand the issue or forgot. Don't assume the inspector overlooked it. Address the issue as if it was specifically cited.5. What to Do


Confirm the Panel's CTL Rating

Verify the panel's label to see if it's a CTL panel. It will have a statement indicating the maximum number of circuits allowed.2.

Replace Non-CTL Breakers

If the panel is CTL and the breakers are non-CTL,

replace them immediately with the correct CTL-compatible breakers. This might require using standard breakers instead of twins, which may mean eliminating some circuits.3. Correct Neutral Wiring

Remove all doubled-up neutrals and land each one on its own terminal. If the neutral bar doesn't have enough terminals, install a properly sized and rated supplemental neutral bar (a "ground bar kit" is not* a substitute for a neutral bar). Make sure the supplemental bar is bonded to the panel enclosure per NEC requirements.4.

Correct Romex Installations

Properly install cable connectors where the Romex enters the panel, ensuring the sheathing extends into the enclosure.5.

Consider Panel Replacement

Given the multiple issues and potential overloading, seriously consider replacing the entire panel with a larger one that can accommodate the necessary circuits safely and according to code. This is often the most cost-effective solution in the long run, especially if you are approaching the max number of circuits.6.

Documentation and Labeling

Properly label all circuits and update the panel directory after completing the corrections. This will make it easier for future maintenance and troubleshooting.7.

Call a Qualified Electrician (Recommended)

Honestly, with this many issues and the potential for serious safety hazards, it's best to call a licensed and qualified electrician to properly assess the situation and perform the necessary repairs. They can ensure the work is done safely and to code, and that the permit is closed out properly.

In Conclusion:

Using non-CTL breakers in a CTL panel is a violation of the listing and the NEC. The doubled-up neutrals and improper Romex terminations are also serious safety issues. Correct these problems immediately and consider replacing the panel to ensure a safe and code-compliant electrical system. Get a qualified electrician involved. Trying to "patch" this kind of situation can create more problems than it solves and can jeopardize the safety of the home and its occupants. Flag for review