Have You Been Mis-Sold Home Improvements on Finance?

Many homeowners have purchased home improvement products using finance agreements, only to discover that the products were unsuitable, poorly installed, or sold using misleading or high-pressure sales tactics.

If you believe you were misled into taking out finance for home improvements, or the work carried out was defective, you may have grounds to make a complaint against the installer, finance provider, or other parties involved.

Whether your dispute relates to solar panels, spray foam insulation, roofing, boilers, conservatories, windows, doors, or insulation products, understanding your rights is the first step towards resolving the matter.

What Is a Home Improvements Finance Complaint?

A home improvements finance complaint arises when a homeowner believes they have suffered financial loss or unfair treatment in connection with the sale, installation, or financing of home improvement products.

Common examples include:

• Solar panels
• Spray foam insulation
• Boilers and heating systems
• Roofing systems
• Conservatories
• Windows and doors
• Wall, loft and cavity insulation
• Other financed home improvement products

In many cases, customers are encouraged to enter into finance agreements during the sales process without fully understanding the costs, risks, or suitability of the product.

Common Reasons for Home Improvements Finance Complaints

You may have grounds to complain if you experienced any of the following:

• Misleading information about expected energy savings or financial benefits.
• High-pressure sales techniques during home visits.
• Finance approved without proper affordability checks.
• Poor workmanship or defective installation.
• Products that were unsuitable for your property.
• Missing guarantees, warranties or important documentation.
• Finance terms that were not clearly explained before signing.
• Promises made during the sales process that were never fulfilled.

Each case is different, and a successful complaint depends on the individual circumstances and available evidence.

Who Could Be Responsible?

Depending on the circumstances, your complaint may involve one or more parties, including:

• The installer or contractor.
• The finance company.
• Credit brokers.
• Sales representatives.

Where finance was arranged as part of the purchase, the finance provider may, in some circumstances, share responsibility for the actions of the supplier under applicable consumer credit legislation, including linked-credit provisions and Section 75 of the Consumer Credit Act 1974.

Evidence That Can Strengthen Your Complaint

The stronger your evidence, the stronger your complaint is likely to be.

Helpful documents include:

• Finance agreements and loan documentation.
• Installation contracts.
• Invoices and receipts.
• Photographs showing defects or poor workmanship.
• Independent surveyor or inspection reports.
• Correspondence from mortgage lenders.
• Guarantees and warranty documents.
• Emails, text messages and sales literature.
• Bank statements or payment records.

Even if you do not have every document, it may still be possible to investigate your case.

Tips for Making a Strong Complaint

When preparing your complaint, it is helpful to:

• Keep a clear timeline of events.
• Gather and organise all supporting documents.
• Obtain an independent inspection or survey where appropriate.
• Keep all communications factual and professional.
• Avoid exaggerating losses or damage.
• Retain copies of all correspondence.

A well-prepared complaint supported by clear evidence is generally easier to assess and investigate.

How We Can Help

We help homeowners understand their options when disputes arise over financed home improvement products.

Our team can assist with:

• Reviewing your documents and finance agreement.
• Assessing the circumstances surrounding the sale and installation.
• Identifying the parties who may be responsible.
• Preparing a structured complaint supported by evidence.
• Managing written correspondence throughout the dispute process.

Every case is assessed on its own merits, and we will explain your options clearly before any further action is taken.

Request a Free Initial Assessment

If you believe you were mis-sold home improvements or entered into an unfair finance agreement, we can carry out an initial review of your circumstances.

Complete our enquiry form today and tell us about your dispute. A member of our team will review the information you provide and contact you to discuss the next steps.

No obligation. Clear advice. Professional support throughout your dispute.