Chargeback or Section 75 Protection

MattMattMattUK

mp203 said:

SacredStephan said:

https://www.gov.uk/invoicing-and-taking-payment-from-customers/invoices-what-they-must-include

Thanks, Stephan.
"You must use VAT invoices if you and your customer are VAT registered."
What if I'm not VAT registered?

If both parties in the transaction are not VAT registered then there is no requirement to issue the customer with an invoice or receipt. 

mp203 said:
And I'm assuming they can't be VAT registered if they're dissolved?

They cannot be a company if they are dissolved, legally they cannot trade or operate in any way. It is often slightly hidden though, they may have previously been "Dave the Electrician Ltd" (which is now dissolved) trading as "Dave the Electrician" and now they are "Dave S the Electrician Ltd" trading as "Dave the Electrician"z or they may just be Dave S, the natural person, operating as a sole trader as "Dave the electrician". Whether any of those is VAT registered is an entirely different matter, though the dissolved Ltd would have had it's VAT registration closed.

Isthisforreal99

Even if the company were trading when dissolved (and as above it's not always easy to identify the entity you are dealing with), how would that help your predicament? You paid for a service, got that service. You are not VAT registered so there was no requirement to provide you with anything.

You are not going to get an invoice and the only way forward, as already explained, is talk to your insurance company. However as previoualy pointed out your excess would likely swallow up most of any claim.

born_again

Did you contact your insurance company 1st to get approval for the work?
As they usually have approved partners who they will engage to do the work.

Chargeback would be 120 days, so well past that timeframe & no basis for any claim.
S75, still in time, but unless they have in the T/C that a invoice is provided, not a chance. Plus you would need something stating how much they were charging for the invoice...

eskbanker

born_again said:

Chargeback would be 120 days, so well past that timeframe & no basis for any claim.

From the information given I don't believe it's past 120 days but agree it's academic anyway!

mp203 said:

I called out an emergency electrician recently...

[...]

I discovered the company had been dissolved in July of this year.

MyRealNameToo

mp203 said:

SacredStephan said:

https://www.gov.uk/invoicing-and-taking-payment-from-customers/invoices-what-they-must-include

Thanks, Stephan.
"You must use VAT invoices if you and your customer are VAT registered." What if I'm not VAT registered? And I'm assuming they can't be VAT registered if they're dissolved?

A moot point if you arent VAT registered because you dont have the right to demand a VAT invoice in the first place. 

Are you sure they are operating as a company? Plenty of sole traders use names similar to Ltds as trading styles but that isnt the same as claiming to be the company.