Hello, my name is***** am a qualified lawyer and I will be assisting you with your question today. Are you hoping to keep the balance of £370 or are you looking for some other resolution?
A debt collector is just there to be a nuisance and to try and force you to pay. They do not have legal powers unless the creditor has obtained a county court judgment in their favour. At this stage that has not happened - they just claim you owe them money but that is under dispute as it is their word against yours. They can engage a debt collector to try and pressure you into paying but that is no different than getting a friend of theirs to write to you. So yes, debt collectors can be engaged but they cannot force you to do anything and are just there to try to make you pay by using tactics, like threats or sending you lots of letters and making calls. To force you to pay anything the builder will have to go to the small claims court and win. This is still a long way way and it may never come to that.
This is your basic legal position. I have more detailed advice for you in terms of the legal right you have to dispute this, which I wish to discuss so please take a second to leave a positive rating for the service so far (by selecting 3, 4 or 5 stars) and I can continue with that and answer any further questions you may have. Don’t worry, there is no extra cost and leaving a rating will not close the question and we can continue this discussion. Thank you
Do you mean that he has already issued a claim and the final hearing is today?
It doesn't quite work this way. He cannot just get a CCJ against you today. To do so he first needs to submit a formal claim in the small claims court. The claim needs to be processed and you will be given the chance to repsond to it and defend it. A hearing will then be scheduled so that this can be heard by a judge and you can both attend to give your side if the story. After that he judge will make a decision and only if he believes the builder is in the right will they issue a CCJ in his favour. So a CCJ is still a few months away.
In terms of challenging this bill, when you have entered into a contract for work and materials, where the main focus is labour and skill, the Consumer Rights Act 2015 says that the work must be:
· Carried out with reasonable care and skill (to the same standard as any reasonably competent person in that trade or profession);
· Finished within a reasonable time (unless a specific time has been agreed); and
· Provided at a reasonable price (unless a specific price has been agreed).
In addition, any information said or written is binding where the consumer relies on it. This will include quotations and any promises about timescales or about the results to be achieved.
If there are problems with the standard of work, or any of the above, you will have certain rights:
1. The trader should either redo the parts of the service which are inadequate or perform the whole service again at no extra cost to you. This must be done within a reasonable time and without causing you significant inconvenience.
2. If redoing the work is impossible or cannot be done within a reasonable time or without causing significant inconvenience, you can claim a price reduction. The price reduction would depend on how severe the issues are and could be as much as the full cost of the work.
3. If the service has been performed so badly that it would be unreasonable to expect the consumer to give the trader a second chance, you may be entitled to claim the cost of remedial work by another trader.
No worries, hope it gets resolved but if not and you nee further help you know where you can find me.