Act on the payment first
Before anything else, deal with the money, because those deadlines are the shortest ones you face. Stop any further payments and scheduled transfers. If you paid by card, ask your issuer about a chargeback now rather than later, because those windows are often around 120 days from the transaction. If there is a retainage or final payment still outstanding, do not release it.
Do not pay more in the hope that it restarts the job. It almost never does, and it weakens every route below.
What to assemble
Contractor complaints are won on paperwork:
- The contract, the quote, and any change orders or variations.
- Every payment with its date, amount and method.
- Dated photos of the work at each stage, including what is behind what was covered up.
- The licence, registration or insurance numbers the contractor gave you, and whether they check out.
- Any inspection report, permit, or independent assessment of the workmanship.
- The full message history, including the promises about dates.
Board complaint, claim, or public record
A licensing or contractor board complaint is the strongest route where the trade is licensed, because the licence is the contractor’s livelihood and boards can order remedies or pull it. If the contractor is bonded or insured, a bond claim or insurance claim goes straight at the money. Small claims court works for a sum worth the filing fee. And where the trade is unlicensed and uninsured, which is common, the public record may be the only leverage there is.
These are not exclusive. A board complaint, a chargeback and a public case file can all be running at once.
Where RDACTD helps
A contractor whose next job comes from a search result is a contractor who cares what that search result says. Filing on RDACTD is free and anonymous, the business gets five days to acknowledge and ten more to resolve, and if it ignores you the case file is published on its permanent record with its RDACTD score.
For an unlicensed trade with no board to complain to, that record is often the fastest thing that changes their mind, and it is checkable by the next homeowner who searches the name.