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WIth any legal action, you run the risk of paying the other side's fees if you lose. I'm not sure how a court would view 'deal for cash', but I recall some legal principle about parties coming to court with 'clean hands'. You'll need to decide if you are prepared to risk this.As long as I don't have to pay for solicitor's fees I don't care how long it takes.
If he did this as a cash-in-hand nixer, professional liability insurance is unlikely and as there was no contract, no engineering inspection or sign-off (?), a claim is unlikely to fly....You will have to give the plumber a chance to repair his work, ask him has he liabilty insurance?...
As the property is apparently being used as a commercial premises without permission, unless OP lies on an insurance claim, this won't work either, as it invalidates the house insurance.... Your best bet may be going through your own house insurance if you want it done quickly...
WIth any legal action, you run the risk of paying the other side's fees if you lose. I'm not sure how a court would view 'deal for cash', but I recall some legal principle about parties coming to court with 'clean hands'. You'll need to decide if you are prepared to risk this.
If this is true then use the engineer's report to get the current "plumber" to take remedial action on the plumbing, finish and decoration. I fear you will discover that the engineer's report protects the interests of the mortgage company and not the house-holder.... Furthermore, The house is signed off by an engineer otherwise you don't get your last stage payment...
Personally, I would have made no assumptions and would have checked his insurance cover, but as you had no contract and there is no money trail......... The plumber is registered with the National Guild of Masters Craft Men so I assume he has liability insurance...
This is worrying. If you cannot grasp the difference between working from a home-office using a phone and a lap-top and inviting groups of paying clients into your home to engage in physical activity under your guidance then I'm very much afraid you may need to find another line of work, fast.... I don't really understand what my working from home has to do with it? ...
I'm not sure if you mean a "talk-therapist" or a "physical-therapist" here, but they are very different things with very different practice and building requirements.... A therapist has paying clients coming in their office, what's the difference regarding planning permission? ...
Registered as what - self-employed? This cannot be any form of professional registration as it appears you don't know enough about the risks and requirements to protect yourself, your clients, your family or your home.... I'm registered and pay taxes. Unless you mean when I go to court, the plumber would bring it up, but then what happens?
I was referring to the possibility that a judge might view the fact that you opted to deal in cash with no paperwork as an attempt to evade tax. Note that I've no practical experience to go on here, so I'm really just making some guesses.What does 'clean hands' mean?
Did you ask the engineer how he managed to miss such obvious difficulties with the plumbing?Furthermore, The house is signed off by an engineer otherwise you don't get your last stage payment.
1 A suitably qualified, trained, professionally supervised and insured therapist
2 A suitable premises, that has been inspected and passed suitable for use as a health-clinic, treatment centre, medical-centre, health-studio, etc. by the local authority, fire-officer, HSE reps, etc.
3 Adequate insurance for the premises for employers and public liability insurance.
Did you ask the engineer how he managed to miss such obvious difficulties with the plumbing?
I guess it was fine from your point of view, but the whole point of getting someone like an engineer to check on these things is to get an expert view. If the job wasn't done properly, presumably an expert should have been able to pick this up, even if there were no obvious symptoms to the client.When the engineer signed off, everything was fine.
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