When a job sours, the instinct is either to explode or to go straight to “see you in court”. Both lose money. Disputes are a ladder, and the cheap rungs at the bottom resolve most of them — this guide walks the ladder in order, with what each rung costs and how long it takes.
Step 1: Freeze the evidence (today)
Before any conversation: photograph everything relevant, dated; assemble the contract, quotes, invoices, payment records and message history; write a one-page chronology while memory is fresh. Every later step consumes this material — and its quality decides outcomes more than any legal argument. If the issue is technical quality, do this before anyone patches or covers the work.
Step 2: Raise it informally (days 1–7)
A calm, specific conversation, then a short follow-up message confirming what was discussed. Name the defect, the fix you expect, and a reasonable timeframe. Under the Consumer Rights Act your first remedy is repeat performance — the builder fixing their own work at no cost — and most will, because it’s cheaper than losing the balance and the review. Roughly half of all disputes end here.
Step 3: The formal complaint (week 2)
Same content, formal register, in writing, headed “Formal complaint”. Attach photos, cite the contract clauses or the implied terms, give a deadline (14 days), and state plainly that you’ll escalate if unresolved. If the builder belongs to FMB, TrustMark or a similar scheme, say you’ll engage its complaints process — membership bodies concentrate minds.
Step 4: Letter before action (weeks 3–4)
The formal precursor to legal proceedings, and the single highest-leverage document in the process: many builders who ignored everything else settle here, because it signals you know the route and will walk it. It sets out the claim, the amount, the deadline and your intention to issue proceedings — the construction Pre-Action Protocol expects it, and judges notice when it’s missing.
If money is flowing the other way — the builder chasing you while defects stand — pair this with a lawful withholding notice so your non-payment is structured, not just silent.
Step 5: ADR — mediation or adjudication (weeks 4–10)
Courts expect a genuine attempt at alternative dispute resolution, and it’s in your interest anyway:
- Mediation: a neutral broker, usually one day, a few hundred pounds per side, ~70–80% settlement rates. Best where both sides have a point.
- Adjudication: a construction specialist decides within 28 days; available where the contract provides for it (JCT forms do). Faster and more technical than court; costs run higher.
- Scheme ADR: trade-body schemes are the cheap route where the builder is a member.
Step 6: Court (month 3+)
Small claims for disputes up to £10,000 in England and Wales — designed for self-representation, with fees on a sliding scale and minimal costs risk. Above that, the fast/intermediate tracks bring real costs exposure and usually justify a solicitor’s involvement. Time limits apply (broadly six years from breach), and judges will ask what you did about steps 2–5.
The two habits that decide disputes
Run every step in writing (or confirmed in writing), and keep every step proportionate — claim what the evidence supports, concede what’s genuinely fine, and stay the reasonable party in the file. When a judge, adjudicator or mediator reads the correspondence later, the side that stayed measured and documented wins the benefit of every doubt. The deeper guides in this series cover each rung — letters before action, withholding payment, mediation, adjudication, small claims and expert evidence — and the disputes pillar maps them all.
This guide is general information for homeowners in England and Wales, not legal advice.