urgent advice re discount for cash

motomoto_2

i need some urgent advice please. i have had new double glazing and when one of the sales reps came round i asked about any discount for paying cash rather than finance / cc. anyway head office call me with a price but it isn't as low as one of the quotes. later on i get an email asking who we have gone with and what price and they can beat it and because this company is part of the double glazing ombudsman scheme i decided to with them. now the installation is almost complete and there has been problem after problem i have spoken to another firm who have spelled out that it sounds like the job has gone through the back door and i don't have any paperwork despite me repeatedly emailing asking for a proper and headed invoice. I have paid £100 on credit card, another balance has been transferred but i still owe roughly half. do i withhold payment until certificates and guarantee are provided ? what if they refuse ? i was happy to pay cash for a discount but never thought for a minute it would mean that I wouldn't get the certificates and guarantee. i feel very very worried now and would really appreciate any advice.

Bantex_2

Why did you think they gave you a discount for cash?

visidigi

Bantex wrote: »

Why did you think they gave you a discount for cash?

Could you be any less helpful?

Because they don't have to pay the transaction fees for say a credit card for example?

OP you need to tell them you need the paperwork before the bill will be settled. The fact you have that first £100 on credit card was a good move - that keeps you potentially covered for the whole amount in any case.

motomoto_2

thanks visidigi - exactly a credit card transaction fee is a couple of percent and with cash opposed to finance packages they get the money all at once instead of monthly. So I shall insist on paperwork before settling.

peachyprice

Bantex wrote: »

Why did you think they gave you a discount for cash?

visidigi wrote: »

Could you be any less helpful?

Because they don't have to pay the transaction fees for say a credit card for example?

It's not such a stupid comment. The biggest discount would have been if you'd taken their finance option, for which the rep would have got more commission.

OP, of course you still need the certificates and guarantees, don't hand over the rest of the payment until you get them.

Bantex_2

visidigi wrote: »

Could you be any less helpful?

Because they don't have to pay the transaction fees for say a credit card for example?

OP you need to tell them you need the paperwork before the bill will be settled. The fact you have that first £100 on credit card was a good move - that keeps you potentially covered for the whole amount in any case.

I would suggest that the only reason for a substantial cash discount is that the job is being put through "off the books" to defraud HMRC. In which case the company is not going to provide any paperwork that may incriminate them.

In the end you get what you pay for.

burlington6

The banks charge to pay cash in

motomoto_2

so what do I do now ?

ThumbRemote

motomoto wrote: »

so what do I do now ?

As visidigi said, and you agreed was a good course of action previously.

Bantex_2

motomoto wrote: »

so what do I do now ?

Have they completed the work?

adyj73

If you have no paperwork and no agreement was signed just don't pay up as they have no paperwork to prove you owe them anything ;-)