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Paying workmen

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Hi
Unsure if I'm posting this in the right section and if not, can Mods move to the right topic in this forum My house is in need of essential repairs and I am going to be enlisting some workmen from most of the trades - builders, window fitters, roofers etc. I was wondering what would be the best way to pay them that offers me protection just in case anything doesn't go as smoothly as I want it to. Now I am aware of Section 50 however most of the workmen don't accept credit cards and only accept cash or bank transfer. Any advice appreciated as I am going to be spending thousands of pounds.
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Comments

  • missile
    missile Posts: 11,763 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Pay on completion
    "A nation's greatness is measured by how it treats its weakest members." ~ Mahatma Gandhi
    Ride hard or stay home :iloveyou:
  • Le_Kirk
    Le_Kirk Posts: 24,518 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Adam6270 wrote: »
    Now I am aware of Section 50
    I think you'll find it is section 75 (S.75) if you are thinking of the protection offered by using a credit card or Chargeback if using a Debit Card
  • greatgimpo
    greatgimpo Posts: 1,256 Forumite
    missile wrote: »
    Pay on >>>satisfactory<<< completion

    Corrected for you.
  • no1catman
    no1catman Posts: 2,973 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped!
    I have no problem with paying cash - if it's only a small amount.

    If you pay cash for a big value - make sure at the very least that the estimate from them is sign against paid in full.

    Some do have portable card readers though yes it is rare - I did one recently for Double-glazing deposit.
    Otherwise it's either cheque or Bank Transfer (BACS) - as long as you do internet banking. For peace of mind send a small amount first and get that acknowledged - so you know you are doing it right and it's going to the right place! The problem with cheques - when can they get to somewhere to pay it in - then days for it to clear.

    How long will the work take? Several weeks and £10k+ could justify phased payments, otherwise, on completion - when you're happy.
    I used to work for Tesco - now retired - speciality Clubcard
  • Chrishazle
    Chrishazle Posts: 609 Forumite
    Part of the Furniture 500 Posts
    Whatever you do, make sure you're completely happy before parting with the final payment. Years ago I had problems with the builder on our kitchen refurb, told them in writing what still remained outstanding, returned their final invoice and referred them to my previous letter, they did not complete the work so I did not pay the final £3k and, after a bit of a fight (as we'd taken care of the outstanding items) they wrote off the amount and cancelled the invoice!
  • phill99
    phill99 Posts: 9,093 Forumite
    Part of the Furniture 1,000 Posts
    missile wrote: »
    Pay on completion


    Grow up.


    If you think you will get windows ordered and fitted without paying a deposit you are seriously delusional.
    Eat vegetables and fear no creditors, rather than eat duck and hide.
  • john.h
    john.h Posts: 357 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    phill99 wrote: »
    Grow up.


    If you think you will get windows ordered and fitted without paying a deposit you are seriously delusional.

    I did.. no deposit needed.

    John..
  • glasgowdan
    glasgowdan Posts: 2,968 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    john.h wrote: »
    I did.. no deposit needed.

    John..

    Who did them?
  • lindze
    lindze Posts: 107 Forumite
    Sixth Anniversary 10 Posts Combo Breaker
    I always try to pay by cc for the protection but if that wasn't an option then probably by cheque and if all else fails bank transfer. I just like a 'paper' trail proving that they've received their money.
    I just had windows replaced and I also wasn't required to pay a deposit, all paid on completion. Used a local independent fitters.
  • missile
    missile Posts: 11,763 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    phill99 wrote: »
    Grow up.


    If you think you will get windows ordered and fitted without paying a deposit you are seriously delusional.

    Get back in your pram.
    "A nation's greatness is measured by how it treats its weakest members." ~ Mahatma Gandhi
    Ride hard or stay home :iloveyou:
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