If a tradesperson insists on cash payment, it's time to pause and think carefully. A BBC consumer expert has warned that paying in cash for work — whether it's a plumber, electrician, or builder — could leave you seriously out of pocket if things go wrong.
**The Cash Payment Problem**
Holly Hamilton, a consumer champion on BBC Morning Live, explained that while it's not your job to police whether someone pays tax, paying in cash creates a real problem for *you* if the work isn't done properly or you're unhappy with the results.
Here's why: when you pay by card or bank transfer, you have legal protection. If something goes wrong, you can dispute the charge and get your money back. But with cash? That paper trail disappears, and so does your protection. Citizens Advice reported over 700 complaints per week last year about rogue traders — people who did substandard work or didn't finish the job. Without proof of payment, getting your money back becomes extremely difficult.
**Red Flags to Watch**
Hamilton noted that someone insisting on cash-only payment "is a little bit of a red flag." While some legitimate tradespeople ask for cash to buy materials upfront, if someone *refuses* other payment methods, be cautious.
**How to Protect Yourself**
- Always pay by card, bank transfer, or cheque — methods that create a record
- If you use a credit card, you're protected under Section 75 of the Consumer Credit Act
- Get a written quote and invoice before work starts
- Take photos of the work completed
- Get references and check reviews online
If you do need to pay cash for materials, ask the tradesperson to provide a receipt and detailed invoice.
**What to Do Next**
Never feel pressured into cash payments. Legitimate tradespeople understand that customers want protection. If you've had problems with a rogue trader, contact Citizens Advice or your local council's trading standards team for support.
Source: A BBC expert issues new warning to anyone paying in cash, explaining ‘not your responsibility'
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