Little Miss Sunshine, have you succeeded by now?
I don't think it is worth saving a starter that has gone mouldy without ever really being active. I would start again (which you probably have by now).
I do believe it was too cold. I have just made a starter here in queensland and it's been reeally warm and I had action within 2 days.
What kind of flour did you use? Did you filter your water? Apparently chlorine can kill the little critters and rye flour is the easiest.
PM me if you want more info.
and don't give up, it's so worth it in the end!

Sasa