Paying in advance for works

Paully232000

britishboy wrote: »

Sorry I forgot to say I have 2 x credit cards but use them for 0% balance transfers, so adding £100 to them as a purchase will that attract interest as it'll be the last amount on the CC to be paid off?

I only use a debit card for day to day purchases and costs

It will attract some interest, however, most (if not all) credit cards pay off the balance that attracts the most interest first, so any payments you make to the CC balance will pay off the purchase first and then carry on paying the part at 0%. So it shouldnt be too much interest, however it will be some.

jellie

the_r_sole wrote: »

You can pay some on credit card which would cover the whole transaction protection wise (someone more knowledgeable will give you the figure, £100 rings a bell) and that would save the commission.
Then BACS the rest

You can pay as little as 1p on the credit card to get section 75 protection. The item must cost between £100 and £30,000.

Annie1960

Paully232000 wrote: »

Section 75 does cover you from £100 to £30,000 for a single item, even if you only pay part of the item via credit card. So, given it is 6% of the credit card amount, I would be tempted to pay a small amount, £100 or so on your CC, and then the rest of the deposit via bank transfer, or some other means.

£100 by credit card to get section 75 protection (so long as there is no third party between your credit card payment and the builder). This is difficult to check. You can pay less than £100 by cc and still get this protection, but easier to round it up.

Pay the rest by debit card, which will have a chargeback facility if it all goes wrong.

There is no protection with BACS.

You're lucky to find a builder who takes such card payments, and I would see this as a sign that they have probably been trading for a long time, and more likely to be trustworthy.

firefox1956

Never in all the years I have dealt with tradesmen have I been asked to pay money up front.............
Straight away, 50% 'up front' sounds iffy to me...............

Doozergirl

firefox1956 wrote: »

Never in all the years I have dealt with tradesmen have I been asked to pay money up front.............
Straight away, 50% 'up front' sounds iffy to me...............

Small job, one bespoke sized door. Not iffy at all.

Go and ask Everest or Anglian how much they'd like upfront. They're hardly world leading themselves.

firefox1956

Ok..................

phill99

firefox1956 wrote: »

Never in all the years I have dealt with tradesmen have I been asked to pay money up front.............
Straight away, 50% 'up front' sounds iffy to me...............

Well go to B & Q and ask them to fit a kitchen. You pay it all up front. Everest and the big window companies are the same.


The window company I use ( and I order a lot of windows in the course of 12 months always want 50% on order and the rest n delivery)

Kernel_Sanders

britishboy wrote: »

Theyve offered debit or credit cards or BACS transfer.

If they can offer BACS(chargeable) then they can also accept FPs (free).

Annie1960

firefox1956 wrote: »

Never in all the years I have dealt with tradesmen have I been asked to pay money up front.............
Straight away, 50% 'up front' sounds iffy to me...............

I would be interested to know which companies you use that don't want a deposit on ordering.

AndyMc.....

Paully232000 wrote: »

Section 75 does cover you from £100 to £30,000 for a single item, even if you only pay part of the item via credit card. So, given it is 6% of the credit card amount, I would be tempted to pay a small amount, £100 or so on your CC, and then the rest of the deposit via bank transfer, or some other means.

He only needs to pay £1 on his credit card to get protection, but that will mess up his interest free deal.