Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie

Cash in hand/undocumented payments

  • 30-04-2025 06:25AM
    #1
    Registered Users, Registered Users 2 Posts: 1,238 ✭✭✭


    I recently had a guy in to carry out work on a rental property i own.  When he was finished and was ready for payment, I asked him for a receipt/docket for his work.  He said then that he wanted cash in hand.  I told him I needed a recipt to keep my own books in order but he still insisted on being paid in cash.  In the end, I paid in cash and got no receipt.  It was €150 - not a massive amount, but enough, in my opinion, to be given a receipt for.  I'm just wondering what are your opinions on cash only/unrecorded payments? What's the maximum amount of money you would pay that you wouldn't want a receipt for? Personally, I believe the service provider/tradesperson should issue the invoice, regardless of the amount, and that it should be up to the customer to decide whether they want a receipt or not, and not the other way round. The guy I was dealing with is qualified to do the work, he has his own business and is operating for many years.

    Thanks in advance.



«1

Comments

  • Registered Users, Registered Users 2 Posts: 5,715 ✭✭✭Buddy Bubs


    It's widespread practice, it is up to you really though if you want a receipt or not....you can refuse to pay without an invoice and you can report him for engaging in tax evasion. Both will get you a receipt in the end.

    So the ball very much in your court really.



  • Registered Users, Registered Users 2 Posts: 5,932 ✭✭✭Deeec


    A cash deal usually means you are saving You are not being charged vat as the guy is not putting the amount through his books. The practice is wrong and illegal but we all like to pay less for a job.

    It sounds like your guy may not be registered for tax and that's why he wouldn't give you an invoice. Did you agree a cash deal with him before he started the job?

    In fairness it must have been a very small job if he only charged you 150 - you probably did get a good deal. If he is above board you would have been charged 150 + vat .

    You have to weigh this up - do you want to save money on work done or do you need the invoice. However going the cash job route means the cost cannot be claimed against your rental income for tax purposes.



  • Registered Users, Registered Users 2 Posts: 507 ✭✭✭itsacoolday


    Reminds me of someone getting grinds after school, the teacher only wants cash too. No cash no grinds.

    I always look for a receipt off trades people because if there is a leak after a plumbing repair for example, you have some comeback with a receipt.



  • Registered Users, Registered Users 2 Posts: 2,076 ✭✭✭Cerco




  • Registered Users, Registered Users 2 Posts: 17,251 ✭✭✭✭elperello


    A lot of self employed people will declare some work and take cash for smaller jobs without declaring

    The best thing to do is to be upfront when asking for a price.

    Tell them you need a receipt at the start not after they have given the price.

    If they say they won't give a receipt then you can decide to get someone else.



  • Advertisement
  • Registered Users, Registered Users 2 Posts: 3,924 ✭✭✭HBC08


    If you want a recipt you will be paying a good bit extra in many cases.

    I recently paid 3k to a carpenter and 10k to a painter decorator. A cash price was agreed beforehand as is the best thing to do.

    It is of course wrong for the tradesperson to demand cash only after the job is done as is the case in the OP.



  • Registered Users, Registered Users 2 Posts: 42,568 ✭✭✭✭Boggles


    It's only 150 quid.

    As long as he did a good job and you are happy with the work.

    That's all that counts.



  • Moderators, Category Moderators, Arts Moderators, Sports Moderators Posts: 53,163 CMod ✭✭✭✭magicbastarder


    it's not all, because this is essentially a B2B transaction; the tradesman is saving himself a few quid but costing the OP money as the OP wants to declare it in the running costs of his property.



  • Registered Users, Registered Users 2 Posts: 1,247 ✭✭✭Amouar


    I have a similar issue: Agreed with a Landscaper, who is used by the builder building our new house, to do some extra work to our garden. We agreed on 1800 Euros and he didn't mention anything about VAT not part of the total to pay. He completed the work and asked me for payment. When I asked for an invoice to keep for my own records, he sent me a handwritten one with a total of 2043 Euros to pay (1800 + 243 for VAT). I thought that under Irish consumer law, prices quoted to consumers must always include VAT, unless explicitly stated that VAT was not included, at the time of the quote which wasn't the case here. I told him that and still waiting for his response, but wanted to ask what are my options if insists on getting 2043 Euros instead of 1800. I have screenshots of the conversation where we agreed on 1800 Euros.

    Thanks



  • Registered Users, Registered Users 2 Posts: 35,438 ✭✭✭✭NIMAN


    You'll get this often.

    There are often 2 prices. The cash price, and the price if you want a receipt.

    You pays your money, you takes your choice.



  • Advertisement
  • Registered Users, Registered Users 2 Posts: 1,247 ✭✭✭Amouar


    Well in my case if he would have told me this would cost 2k+ i wouldn't have accepted. Now he already completed the job and changed the price to add VAT after I requested an invoice. Surely he can't just do that as we agreed on 1.8k and there was no mention of VAT not included?

    Post edited by Amouar on


  • Registered Users, Registered Users 2 Posts: 1,247 ✭✭✭Amouar


    Update: I quoted the Irish Consumer Law that states that the price quoted to a consumer is considered to be VAT inclusive, unless explicitly stated that VAT was not included. I also mentioned that the new price is above our budget and wouldn't have agreed for the job if I was initially quoted that price. He agreed to receive the initially agreed payment of 1800 Euros.

    Post edited by Amouar on


  • Registered Users, Registered Users 2 Posts: 42,568 ✭✭✭✭Boggles


    Tradesmen don't need to save themselves a few quid. The client pays.

    They can price accordingly, in this scenario I imagine the job was so small they didn't want the hassle or maybe they needed cash that particular day.

    Again it'd 150 euro, the value to get the job sorted for tenants far out weigh the small cost.



  • Registered Users, Registered Users 2 Posts: 3,529 ✭✭✭antimatterx


    Yeah they do this alot. I'll pay cash for a small job of a few hundred. Getting into the thousands I insist on the quote being quote.



  • Registered Users, Registered Users 2 Posts: 377 ✭✭boardsdotie44


    But thats only the VAT the client pays, how about other tax he has to pay?

    Hate when people nowadays think that anything around 100 is small money with no idea what was done! Are ppl earning that much that they can wipe their a$$ with a 100 euro note?

    These small jobs that tradesmen do for cash in hand, adds up to alot of lost revenue for the charity we all know as our government (Not just VAT)! I have no problem with cash in hand jobs, but it really depends on the type of work carried out, anything where a guarantee is needed I would not go cash in hand!



  • Registered Users, Registered Users 2 Posts: 42,568 ✭✭✭✭Boggles


    But thats only the VAT the client pays, how about other tax he has to pay?

    If a Tradesperson wants to earn 150 quid net, he prices the job so he earns 150 quid net.

    So if VAT + Taxes is 140 quid.

    He charges 290.

    Hate when people nowadays think that anything around 100 is small money

    So you would prefer to pay 290 instead of 150 for the exact same level of workmanship?

    These small jobs that tradesmen do for cash in hand, adds up to alot of lost revenue for the charity we all know as our government

    You could see it as money rescued from the absolute waste that goes on with our taxes.



  • Registered Users, Registered Users 2 Posts: 9,689 ✭✭✭Oscar_Madison
    #MEGA MAKE EUROPE GREAT AGAIN


    It’s small money overall OP- you can make it a point of principle if you wish but if the work was good and you’d use him again then put it down to experience- I’m surprised though that this conversation didn’t take place before price was agreed .

    I’ve spent a lot more on cash only work as I’m sure most people have.



  • Registered Users, Registered Users 2 Posts: 3,752 ✭✭✭KaneToad


    Someone who is willing to commit tax fraud isn't really someone I would trust to do work in my house.



  • Registered Users, Registered Users 2 Posts: 42,568 ✭✭✭✭Boggles


    Ideally a tradesperson should be recommended to you or known by you.

    This person has a registered business and has been active for years.

    The workmanship doesn't suddenly become untrustworthy because of method of charging.

    That is complete nonsense.

    What you might be referring to is someone who does it on the side, for cash jobs. i.e. not a tradesperson.

    Depending on the job, they shouldn't really be carrying out any work at all.



  • Registered Users, Registered Users 2 Posts: 377 ✭✭boardsdotie44


    If a Tradesperson wants to earn 150 quid net, he prices the job so he earns 150 quid net.

    So if VAT + Taxes is 140 quid.

    He charges 290.

    Im in the wrong job if money is so easy to get :) No wonder really small jobs cost so much, they pay themselves a hefty hourly rate :)

    So you would prefer to pay 290 instead of 150 for the exact same level of workmanship?

    Yes I would prefer to pay 290 than 150 (as I already said) if it was something that needed guarantee e.g. plumbing.. Otherwise you are leaving yourself open to what could be a right pain!!

    You could see it as money rescued from the absolute waste that goes on with our taxes.

    Cant argue with that, which I already expressed



  • Advertisement
  • Registered Users, Registered Users 2 Posts: 42,568 ✭✭✭✭Boggles


    Im in the wrong job if money is so easy to get :) No wonder really small jobs cost so much, they pay themselves a hefty hourly rate :)

    They can pay themselves whatever they want, it's up to you to accept it or not. But remember this is a mobile service, they call to you. They have incurred expenses before even reaching your door.

    How much do you pay a taxi driver to go 20 minutes up the road?

    Yes I would prefer to pay 290 than 150 (as I already said) if it was something that needed guarantee e.g. plumbing.. Otherwise you are leaving yourself open to what could be a right pain!!

    Just because you paid cash doesn't mean the work doesn't come with a guarantee.



  • Registered Users, Registered Users 2 Posts: 377 ✭✭boardsdotie44


    'How much do you pay a taxi driver to go 20 minutes up the road?'

    And what does that have to do with it, you dont think taxi's charge a hefty rate as well ?

    'Just because you paid cash doesn't mean the work doesn't come with a guarantee.'

    No receipt, no guarantee… good luck with that, they must see you coming :)



  • Registered Users, Registered Users 2 Posts: 42,568 ✭✭✭✭Boggles


    No receipt, no guarantee… good luck with that, they must see you coming :)

    That isn't true.

    Proper Tradespeople rely on their good name, the vast majority do not advertise with the bulk of their work coming from word of mouth.

    You seem to have a very negative view of tradespeople.



  • Registered Users, Registered Users 2 Posts: 35,438 ✭✭✭✭NIMAN


    Nonsense.

    I know a few tradesmen personally who I'd pay to do the odd plumbing or electrical job for me.

    I trust them 100%



  • Registered Users, Registered Users 2 Posts: 1,341 ✭✭✭Schorpio


    I don't engage with 'cash only' prices, or cash without a receipt.

    Yes, I know that I pay more, but from experience it's never as much as the cash price + tax. Generally tradespeople like the cash transaction as they get more from it too - otherwise it's not worth the hassle. Lots of tradespeople see it as a win-win (you pay less, they get more).

    My own view is - I don't get a choice as to what money the taxman does and doesn't get to take from me, so neither should they.



  • Registered Users, Registered Users 2 Posts: 377 ✭✭boardsdotie44


    You seem to be quite naïve, if you have no paper saying the work was done, then good luck getting much comeback. Im sure their are some very honest and decent tradesmen out their but I would say they are in the minority..

    Yes you could say I have a biased view, through years of experience… some exceptional, some passable (just about), others downright terrible..

    naivety will not cut it, better to be sensible and cautious..



  • Registered Users, Registered Users 2 Posts: 42,568 ✭✭✭✭Boggles


    You seem to be quite naïve, if you have no paper saying the work was done, then good luck getting much comeback. 

    Not at all, like I said I wouldn't employ someone who I didn't know personally or who didn't come recommended.



  • Registered Users, Registered Users 2 Posts: 3,752 ✭✭✭KaneToad


    Good for you.

    I don't trust tradesmen who are trying to dodge tax.



  • Registered Users, Registered Users 2 Posts: 42,568 ✭✭✭✭Boggles


    Getting a docket or a receipt doesn't magically mean it gets declared.



  • Advertisement
  • Registered Users, Registered Users 2 Posts: 7,982 ✭✭✭El Gato De Negocios


    When i built my house I paid the builder the final payment of €50k in cash which meant I made a significant saving. No issue with paying cash for most goods or services.



Advertisement