I will try and answer a few questions here (hi BTW, I am Matt, from Mattikaarts, Charles sent out my link at the start of this thread).
Curing meat effectively below 5C is tricky. The whole drying/curing process slows right down at such low temperatures. Traditionally we see a range of 50-60F - (10-15C). One should also be concerned with humidity at that temperature too. A typical walk-in or fridge has a humidity around 35%, which is far too low to cure meat in effectively. 75% is a rough average that should be aimed at.
As for the mold issues. White mold is typically a very good thing, and should be left on the meat in question. It is favorable to introduce molds of known origin however (these "sausage molds" can be ordered online). Natural molds in the air can be of varying type, so it is often best to introduce molds of known quality.
What you will also find is that the more "good" mold over the meat, the less chance you have of developing unfavorable molds - those that are either blue or green. The correct thing to do if that is the case is just to wipe the meat with a little vinegar solution.
If mold is becoming a big problem, look at air flow in your curing unit. There should be some, otherwise bad molds will develop fast. You can put a slow fan in there, with some vent holes, or do what most people do and leave the door of your curing chamber open a bit.
Hope this helps!