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Misrepresentation
You were told the product would save money, increase value, solve a problem, be maintenance-free or deliver benefits that did not materialise.
Financed Home Improvement Complaints
Request an initial case review
Was your home improvement financed — and did something go wrong?
If you financed an installation that was mis-sold, defective, incomplete or failed to deliver what was promised, the finance provider may be an important part of your complaint.
✓Defective or poor-quality installation
✓Misleading sales representations
✓Installer has stopped trading
✓Unexpected repair or removal costs
✓Finance complaint rejected or ignored
✓Unresolved warranty or remedial issues
When a complaint may arise
The problem is not always just with the installer
Where credit was arranged as part of the purchase, the finance relationship can create additional routes that need to be properly assessed alongside the underlying installation dispute.
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Defective work
The installation is defective, unsuitable, damaged the property, caused leaks, damp, condensation or requires significant remedial work.
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Financial loss
You have paid for inspections, removal, repairs, replacement materials or other work because the original installation failed.
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Installer disappeared
The installer is dissolved, insolvent, in liquidation, no longer trading or simply fails to respond to requests to put matters right.
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Finance concerns
The credit was not adequately explained, affordability or circumstances were not properly considered, or the lender rejected your complaint without resolving the underlying issues.
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Complaint escalation
A finance provider has issued a final response you disagree with, or has not dealt with the complaint satisfactorily and further escalation may need to be considered.
What DEA offers
We help organise the evidence and build a properly structured consumer complaint
Financed home improvement disputes often involve several connected issues: the sale, the installation, representations made by the supplier, the finance agreement, subsequent damage and the cost of putting matters right.
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Case assessment
Review the sale, installation, finance and potential complaint factors.
Review the sale, installation, finance and potential complaint factors.
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Evidence review
Identify the documents, payment evidence, reports, photographs and correspondence that strengthen the case.
Identify the documents, payment evidence, reports, photographs and correspondence that strengthen the case.
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Complaint preparation
Help set out the factual background, disputed representations, defects and financial losses in a clear chronology.
Help set out the factual background, disputed representations, defects and financial losses in a clear chronology.
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Finance-provider complaint support
Prepare the matter for presentation to the lender and, where appropriate, later escalation.
Prepare the matter for presentation to the lender and, where appropriate, later escalation.
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Redress assessment
Identify relevant remedial expenditure and other losses that should be evidenced and considered.
Identify relevant remedial expenditure and other losses that should be evidenced and considered.
Home improvements we can assess
Was the work paid for using finance?
The circumstances of each agreement are different, but these are common categories where homeowners may need help investigating a complaint.
Spray Foam Insulation
Solar Panels & Batteries
Windows & Doors
Roofing
Boilers & Heating
Heat Pumps
Kitchens & Bathrooms
Other Financed Improvements
A clear process
From initial review to complaint
Tell us what happened
Provide the basic details of the installation, installer, finance company and the problems experienced.
We identify the evidence
We assess what documents exist, what is missing and which evidence is likely to carry the most weight.
Build the complaint
The relevant facts, representations, defects, losses and finance issues are organised into a structured case.
Submit and progress
The complaint can be pursued with the finance provider and considered for further escalation where appropriate.
Potential legal and complaint routes
Why the finance agreement matters
Depending on the facts and the type of credit, consumer credit and contract protections may be relevant to how a complaint is assessed.
Consumer Credit Act 1974 — Section 75
In qualifying debtor-creditor-supplier arrangements, a credit provider can in certain circumstances be jointly responsible for a supplier's breach of contract or misrepresentation.
Consumer Credit Act 1974 — Section 140A
In appropriate cases, issues concerning whether the relationship arising from a credit agreement is unfair may also require consideration.
Consumer Rights & Misrepresentation
The quality of the service, information provided before the sale, contractual promises and misleading statements may all be relevant to the underlying dispute.
The applicability of any legislation depends on the individual facts and agreement. References above are general information and are not legal advice.
Request a case review
Tell us about your financed home improvement
It does not matter if the installer has stopped trading or if you have already complained. Send us the basic details and we can assess what information should be reviewed next.
✓Initial information review
✓Evidence requirements identified
✓Potential finance complaint route considered
Email: [email protected]