Buying Advice

Planning	Short-listing contractors	Trade Associations	Getting Quotations
Contracts	Cancelling Contracts	Guarantee Schemes	Payments
Deposits and Advances	Extra Protection	Disputes	If things go wrong..

Planning

Make a plan of what you want done. Don't be pressured into unnecessary work you cannot afford. For large or complex jobs, professional advice may well be needed.

Get the necessary consents or agreements from your Local Authority and insurance company. Discuss your plans with your neighbours particularly if there are any party structures.

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Short-listing Contractors

This is probably the most important step of all.

Ask friends, neighbours, local traders and relevant trade associations, who have experience of the type of work you want done, if they know of reliable contractors.

Look for established contractors with premises you can visit. Beware of 'trade' cards which come through your door particularly those bearing only a telephone number.

Draw up a short-list of 3 or 4 firms that appear reliable, checking experiences of previous clients. If the trader has not been in business long or if you have any doubts get bank references.

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Trade Assocations

Find out if the contractor claims to be a member of a Trade Association. This may give you extra security as some Associations have protection schemes, or will help to resolve disputes. It is important to check with the Trade Association that the trader is a current member.Top of Page

Getting Quotations

Insist on being given a clear written price for the work described, this is known as a quotation. It differs from an estimate which is a rough price and not binding. Quotations should state whether VAT is included. Seek quotations based on a detailed job specification and compare price, conditions, reputation for reliability and good workmanship.

You should get three or four contractors to give you quotes.

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Contracts

Do not rely on a handshake. Get a written contract.

Always get a written contract covering all details of your agreement, notably the work to be done, price, start and completion dates, stage payments and retention periods and the position on delays where time is of the essence.

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Cancelling Contracts

Once you have signed a contract it is sometimes possible to back out if you have changed your mind. This is particularly so when the contract has resulted from an unsolicited visit to your home by the trader (i.e. you did not contact him to arrange a visit) and also some credit agreements. Contact us for advice as to your cancellation rights. Top of Page

Guarantee Schemes

Find out whether a guarantee is available giving cover against a contractor ceasing to trade. Insurance backed schemes will be particularly appropriate here. Those guarantees which are supplied free of charge that cover goods supplied under the contract you enter into may be legally enforceable. However note that any guarantee is always in addition to your statutory rights as given by the Supply of Goods and Services Act 1982. Make sure you read the terms and conditions of a guarantee fully so you are aware of what is being offered.

A contractor going out of business is one of the worst problems you can face with home improvements. Although this is fairly common, there are few, if any tell-tale signs that a contractor has serious financial problems. Be particularly wary, however, if you are asked to make unusual payments, for instance to the individual builder rather than to the firm.

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Payments

Staged payments are a good way of ensuring the steady progress of work. You are paying for work that has been satisfactorily completed. If it is not, you have a means to apply pressure to the builder. Use staged payments as a means of keeping the work progressing. Use any retained payment to ensure that defects discovered after completion are put right.Top of Page

Deposits and Advances

In general you should not pay a deposit. There is a risk the contractor will disappear with your money.Top of Page

Extra Protection

If the total contract price is between £100 and £30,000, and is financed using a credit card, or by a credit agreement, you will be able to pursue any claim for breach of contract or misrepresentation against the finance provider, as well as against the contractor. In order to receive this additional protection, a deposit paid in this way does not have to exceed £100.Top of Page

Disputes

Disputes can arise over such matters as poor workmanship, delays, the cost of extra work done, and materials. Under the Supply of Goods and Services Act 1982 you are entitled to expect the following standards from a contractor:

Quality of Work:: A service must be carried out with reasonable care and skill. The main contractor is responsible for the work of any sub-contractor.
Time Taken:: If the contract did not set a date the law says that the work must be finished in a reasonable time. If you did agree a completion date and the contractor fails to complete by that date the contract has been broken and you are entitled to compensation.
Cost:: If a price was not agreed at the outset, the law says that the contractor should make a reasonable charge for the work done. You can find out what is reasonable by asking other contractors or by consulting the relevant trade association. If a firm price or fixed hourly rate was agreed then you are bound by it.
Materials:: Any materials supplied as part of the contract must be as described by the contractor and be of satisfactory quality. If they are not you are entitled to compensation.

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If things go wrong

If problems develop there are a number of steps you should take. We can advise you on what action to take and you should contact us as soon as you think things are going wrong.Top of Page