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From what you say the contract wasn’t for a fixed price of £32000 and the £32000 was an estimate or a total price for a “menu” of services which you may or may not have purchased from the builder. If I am right in that then you should ha able to put up an argument. The fact that there was a mix of services doesn’t matter if all of these are under an umbrella of a single contract. The fact that there were stages beyond which you didn’t have to go is again an indication that the contract wasn’t necessarily for £32000 and that you were looking to make savings. You should indicate to the card company that you had only accepted a certain amount of services totalling £x at the relevant date and that the contract is only worth that amount. See what the response is and if it is not in your favour put in a claim to the FSO. I hope that helps. Please leave a positive rating so that I am credited for my time.
A contract is an offer and an acceptance. You have an offer and acceptance. So you have to ask what did you accept? Did you accept an offer for the builder to carry out £32000 of works for you or was it an initial lesser amount?
If the contract value states on the face of it £32000 then you may be in a got of difficulty here under s75. It very much depends on the wording. Happy to look if you want to scan it to me. I can give you a confidential email address where only I will be able to see the document.