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Thanks for your question. I am a solicitor in Scotland. Verbal agreements and agreements by text can be binding. However in this instance it would appear that there is no concluded contract because it is conditional on cash being paid and you haven’t agreed to that. However, when deciding whether to go ahead remember that it is perfectly legal for you to pay cash to a builder. If th builder doesn’t declare it for tax or VAT purposes that is his look out and not yours. I hope that helps. Please leave a positive rating so that I am credited for my time.