Bathroom Refit & credit agreement pending complaint

RaRaDisAppointrd

Hi

Apologies if I’m repeating other threads but I couldn’t quite find one to ‘fit’

Contracted with a high street company to do a small bathroom refit in September. Bath to walk-in shower, new loo & sink, flooring, waterproof wall boards etc. They undertook to supply the goods & subcontracted to an installer.

It’s been a nightmare - delays, no upstairs loo for 5 weeks (1st 2 loos chipped or defective). Poor finish to edging/joinery/flooring & now a leak in a month old shower base seal.

I have done a Consumer Rights Act complaint as to goods & services with photos. A ‘regional manager’ is coming out to carry out a ‘technical assessment’ (no doubt to downplay goods part of claim & offer a 2nd installer a chance to put right. Am aware of law on ‘putting right’ v refund/discount)

My Q is about how we paid. Paid deposit by Visa debit (doh! I know!). Balance on credit with 9 month interest free period. Direct debits if not paid off.

Given we have refused to sign their ‘completion statement’ & a formal complaint is with CEO’s ‘office’ - I suspect their assessor will mark it as ‘ok’ & a risible goodwill gesture will be made.

What are my rights to get at least the deposit back via chargeback (some problems ie leak only came to light this week!). Will the credit agreement kick in even if I am dispute with them?

My choices are probably applying for a money judgement through the courts or ombudsman? 

Just trying to get my ducks in a row & think in an orderly way

Thanks

born_again

Best bet is via credit provider.

Alderbank

RaRaDisAppointrd said:

Hi

Apologies if I’m repeating other threads but I couldn’t quite find one to ‘fit’

Contracted with a high street company to do a small bathroom refit in September. Bath to walk-in shower, new loo & sink, flooring, waterproof wall boards etc. They undertook to supply the goods & subcontracted to an installer.

It’s been a nightmare - delays, no upstairs loo for 5 weeks (1st 2 loos chipped or defective). Poor finish to edging/joinery/flooring & now a leak in a month old shower base seal.

I have done a Consumer Rights Act complaint as to goods & services with photos. A ‘regional manager’ is coming out to carry out a ‘technical assessment’ (no doubt to downplay goods part of claim & offer a 2nd installer a chance to put right. Am aware of law on ‘putting right’ v refund/discount)

My Q is about how we paid. Paid deposit by Visa debit (doh! I know!). Balance on credit with 9 month interest free period. Direct debits if not paid off.

Given we have refused to sign their ‘completion statement’ & a formal complaint is with CEO’s ‘office’ - I suspect their assessor will mark it as ‘ok’ & a risible goodwill gesture will be made.

What are my rights to get at least the deposit back via chargeback (some problems ie leak only came to light this week!). Will the credit agreement kick in even if I am dispute with them?

My choices are probably applying for a money judgement through the courts or ombudsman? 

Just trying to get my ducks in a row & think in an orderly way

Thanks

Welcome to the forum.

Wait and see what the technical manager says. It will do no harm to tell him that you are aware of your consumer rights and you expect to get exactly what you paid for including all work completed within a reasonable time to a satisfactory standard.

If you fail to reach agreement with the company you have 120 days from the date of purchase to claim chargeback of your deposit.
Who is the credit agreement with? Having a credit agreement is to your advantage if there is a problem, because they are equally liable with the contractors if the work does not comply with consumer law. You would claim against them under section 75 of the Consumer Credit Act. This can be quicker and less onerous than taking the contractor to court.
Don't worry about the ombudsman for now.

Repayment of the credit is a separate matter from the quality of the work. Until all is finally resolved you must make payments to them as agreed.

RaRaDisAppointrd

thanks! I’m sure I’ll be back ….

So regardless that the deposit was paid by Visa debit, the credit finance brings it under s75?

born_again

RaRaDisAppointrd said:

thanks! I’m sure I’ll be back ….

So regardless that the deposit was paid by Visa debit, the credit finance brings it under s75?

So long as it's under £30K

RaRaDisAppointrd

Thanks - it is