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Contractor demands urgent unfair payment — still has a key. How to safely buy time before saying no?

82 replies

Sandra1523 · 16/06/2025 11:28

A very good friend of mine, whom I’ll call Anna, hired a guy I’ll call Denis (a neighbor of her parents) to renovate an apartment she owns and intends to lease. There was no written contract — just a verbal agreement based on trust, since they’d known each other for years. The deal was that the renovation would be done in stages, and she’d pay him after each stage was completed. Everything went fine at first: Denis finished three stages and was paid in full for each. But on the final stage (mainly involving the bathroom — plumbing, fixtures, tiles, etc.), he only completed about 90% of the work. Then he told Anna he might not be able to come back to finish it, as he had to start another project.

Anna paid him 60% of the money for that final stage and told him she’d pay the remaining 40% only if and when he finished the job. Then Denis ghosted her completely — no replies, no explanations — for two whole months. Now, out of the blue, he’s messaged her via WhatsApp, said he won’t be coming back to finish anything, but demands she urgently pay him another 30% (so that he gets 90% of the money for 90% of the work). Anna doesn’t agree with this and believes it’s only fair to deduct certain expenses and losses she incurred due to Denis withdrawing from the project. These deductions amount to about two-thirds of what Denis is asking for. She’s planning to write Denis a calm, respectful message explaining her position and offering one-third of what he’s asking for.

But here’s the twist: Denis still has a key to the apartment. And based on his earlier behavior — disappearing for two months, reappearing with this demand, and seeming emotionally unstable — Anna’s worried he might react badly to her message and raid the apartment to cause damage in retaliation, or take something as “collateral” to pressure her into paying in full. So she needs to change the lock before telling Denis she isn’t going to pay what he’s asking for. But she’s totally swamped with urgent work and family obligations and says she realistically can’t manage to replace the lock for three days from the day Denis sent his message.

So Anna wants to send a short, vague message now to acknowledge receipt of his demand and buy time to replace the lock, and she’s asked me to help her word the message. I can't refuse, because she has done a lot for me in the past.

Question: What’s the safest way to word such a message — one that doesn’t promise to pay, but also doesn’t make Denis think she’s stalling or planning to refuse to pay? Denis is unpredictable, so the message has to be as low-risk as possible. Or is it better to stay completely silent until the lock is changed?

Anna’s goal is to minimize the risk of Denis raiding the apartment before she changes the lock — and also to minimize the risk of retaliation afterward, including the possibility of physical assault. Unfortunately, in Russia, where Anna and Denis live, physical violence that leaves no lasting injuries usually isn’t prosecuted as a criminal offense. Denis has no legal way to recover the money he’s demanding, especially as there’s no contract and no written evidence — so Anna’s only concern is the potential for personal or property-related harm.

I’ve tried to persuade her that she absolutely must change the lock immediately rather than three days later, but unfortunately, she’s prioritizing work and family commitments. To help Anna, I’d much rather replace the lock myself than write a time-buying message, but I currently live outside Russia.

OP posts:
dairydebris · 16/06/2025 11:30

Anna should just pay Denis the money he's owed, 90% for 90%.

Mrsttcno1 · 16/06/2025 11:30

Why does Anna think that she shouldn’t have to pay 90% of the money when she received 90% of the work?

Helpmeplease2025 · 16/06/2025 11:31

Wtf

of course she has to pay

CF

FrenchandSaunders · 16/06/2025 11:32

How can her losses amount to two thirds of what she owes? She should just pay him the remaining money and be done with it.

If he's done 90% of the work he deserved 90% of the money.

Barrenfieldoffucks · 16/06/2025 11:33

Just pay up the remainder owed then block him.

rubyslippers · 16/06/2025 11:36

It’s not an unfair payment - 90% of the work needs 90% payment
she may not agree with it and has been a pain but next time you get a written contract and payment schedule
don’t rely on verbal stuff where there is building work and money involved

InfoSecInTheCity · 16/06/2025 11:40

She should pay up to 90% and change the locks now, I know she says she has other important stuff to do but this is important so she needs to find a way to facilitate it.

Navigatinglife100 · 16/06/2025 11:41

Sounds like he's done a lot of the work and she is happy with it. 10 percent of a final stage is annoying but not much left to do and a learning curve for the future.

She's likely to have got good value on the rest of the reno as why not get 3 quotes etc before starting?

If she only has some final bits to do then pay him the rest and make sure he pops back with the key back before she makes payment.

LiteralLunatic · 16/06/2025 11:52

dairydebris · 16/06/2025 11:30

Anna should just pay Denis the money he's owed, 90% for 90%.

90% of the work is not necessarily 90% of the cost though. It depends whether the tasks left are skilled jobs, eg fitting an electric shower, or unskilled, eg painting a wall. Anna should deduct the cost of another contractor finishing the work, which could be more or less than 10%.

Usually, in UK law, if there is breach of contract, the person who broke the contract pays any losses due to the breach. No idea WTF you do about stalling lawless workman in Russia who are wont to smash up people and possessions…

Sandra1523 · 16/06/2025 11:56

Here are Anna's losses and additional expenses:

1. Lost rental income.
Anna planned to lease the apartment immediately after the renovation. It was clearly agreed that Denis would complete the full renovation. However, he left the final stage unfinished and then ghosted her for two months — simply because he got a more lucrative project. Only after two months did he finally confirm he wouldn’t be returning. If Denis had told her earlier, Anna could have started looking for another contractor right away and avoided the delay and lost rent.

2. Time and effort spent finding a replacement.
Anna now has to search for another contractor, explain the unfinished work, and negotiate new terms. This is frustrating and time-consuming — and many contractors are reluctant to take on small, leftover projects.

3. Imperfect quality of the completed work.
Some of Denis’s work was subpar, and a reasonable deduction is justified based on the quality.

OP posts:
Hiddenmnetter · 16/06/2025 12:01

Hi Dennis, sorry, I’m a little busy cause <my cousin died two days ago- insert extreme reason here> can I get back to you in 3 or 4 days? I’ve got a lot on my plate right now.

Hiddenmnetter · 16/06/2025 12:04

Also, if Anna has managed to replace the contractor she needs to contact her current contractor and ask them to replace the locks for her. They could go down to screwfix and buy replacement barrels today, in the next 15 minutes, and be sorted. Alternatively if Anna would rather a licensed locksmith did it, ask the contractor to call the local locksmith and get them to do it, and to contact her for payment.

Sandra1523 · 16/06/2025 12:17

Hiddenmnetter · 16/06/2025 12:01

Hi Dennis, sorry, I’m a little busy cause <my cousin died two days ago- insert extreme reason here> can I get back to you in 3 or 4 days? I’ve got a lot on my plate right now.

Nice try, but Denis is likely to reply with something like, “Just transfer the money — it only takes a few clicks and a couple of minutes.” And if he senses that Anna isn't going to pay the full amount he’s asking for, he might show up at the apartment to cause damage in retaliation, or take something as “collateral” to pressure her into paying.

If Anna promises to pay just to buy time to change the lock, and then refuses after the lock is changed, Denis will feel betrayed — and at that point, her physical safety could genuinely be at risk.

I’ve told Anna that the safest option is to change the lock immediately and postpone everything else, no matter how “important” it seems right now. But she insists she doesn’t need lectures — she just wants help wording a message to buy time.

OP posts:
Hiddenmnetter · 16/06/2025 12:20

In which case get her current contractor go and change the barrell today, right now. Job done. If she’s got the time to sit here worrying about Dennis’ behaviour she’s got the time to call either a local locksmith or her contractor to go and sort it out. It’s a £10 barrell and 30 minutes of work. If her contractor is on site anyway it’s not a big difference. She could offer half a day rate to just get it done right now.

Navigatinglife100 · 16/06/2025 12:20

Why is she so scared of him? Does she have cameras up at the house? Does she have evidence she might be physically at risk? Or is she the one that is paranoid? How much is the final amount he is requesting?

To be honest if I was that scared of someone I would just pay them to get them.out of my life!

AnSolas · 16/06/2025 12:22

dairydebris · 16/06/2025 11:30

Anna should just pay Denis the money he's owed, 90% for 90%.

No in the UK per their contract she has over paid him by 90% as the deal was he must finish 100% of the work to be paid.

But thats not relevant as the OP is not suggesting this wiĺl end up in court.

1. Lost rental income.
Yes: Anna could should have started looking for another contractor right away and avoided the delay and lost rent.
But she cant deduct that as a cost.

2. Time and effort spent finding a replacement.
Yes: many contractors are reluctant to take on small, leftover projects and will charge more as they are taking on a poor quality work risk of a prior tradie and/or a fussy client
So this cost is deductable

3. Imperfect quality of the completed work.
So what if Denis’s work was subpar, and a reasonable deduction is ^ not justified based on the quality as this is the third time he was employed and there is no standard of quality control agreed.
So this is not deductable.

Anna is willing to have to pay multiple of what is owed in damage to her flat and be beaten up to save money.
Imo she is totally a little nuts sometimes it cheaper to pay to be rid of a problem and move on.

As a holding text Anna should send a begging text to ask Denis to come back and finish the work or ask him to sub the work out or offer a small bonus to him to finish the 10% and hope he will come back to her so that she can stall for the 3 days.

However builders can open any door with battery tools these days. Denis can drill the lock as fast as any locksmith so if he is the violent type she should pay him to get rid of him.

purplecorkheart · 16/06/2025 12:27

Honestly, I think Anna should just pay Denis the money and write it off. Denis does not sound like a nice person and I would worry that he might do damage to her parents property as revenge.

Also Anna sounds a bit strange. How hard is it to arrange a locksmith?

ByQuaintAzureWasp · 16/06/2025 12:30

Change the lock! He has breached the verbal contract. I wouldn't pay him as you will have to pay "over the odds" to get somebody to finish the work.

Sandra1523 · 16/06/2025 12:30

Hiddenmnetter · 16/06/2025 12:20

In which case get her current contractor go and change the barrell today, right now. Job done. If she’s got the time to sit here worrying about Dennis’ behaviour she’s got the time to call either a local locksmith or her contractor to go and sort it out. It’s a £10 barrell and 30 minutes of work. If her contractor is on site anyway it’s not a big difference. She could offer half a day rate to just get it done right now.

Anna wants to buy the lock and keys herself and have someone install it while she’s present — just to make sure no one else gets a copy of the key, especially someone who knows where her apartment is. Unfortunately, in Russia, you can’t really trust people you don’t know...

OP posts:
DelphiniumBlue · 16/06/2025 12:33

To get someone else in to finish off the work is a) not easy and b) likely to cost more than the 10% D says is outstanding.
Id be writing something like “ I’d much prefer you come back and finish the job.
If that’s really not possible, can you recommend someone who will complete it, ideally within the remaining budget? “

LittleOwl153 · 16/06/2025 12:37

I think she has 2 choices

  1. Change the lock and tell him she's not paying
  1. Pay up

She could try ghosting him as that is what he did, but personal safety is worth more than money and if he is that way including he would already have collateral items or go and do his damage today.

Navigatinglife100 · 16/06/2025 12:38

So this is Russia we are talking about?

Motnight · 16/06/2025 12:43

Navigatinglife100 · 16/06/2025 12:38

So this is Russia we are talking about?

And is Denis part of the Russian mafia?!

Sandra1523 · 16/06/2025 12:44

Navigatinglife100 · 16/06/2025 12:38

So this is Russia we are talking about?

Yes, this is happening in Moscow, Russia. I currently live outside Russia, and Anna is a longtime friend of mine.

OP posts:
Sandra1523 · 16/06/2025 12:49

Motnight · 16/06/2025 12:43

And is Denis part of the Russian mafia?!

No, he’s just a builder. But Russian men can retaliate very harshly if they feel they’ve been wronged… There’s a real chance he could show up at the apartment if Anna says no before changing the lock — or even if she says ‘wait three days’ without adding something to reassure him that she intends to pay in full.

On the other hand, if Anna promises to pay in full but then, after changing the lock, says she won’t — Denis may feel betrayed, and at that point, her physical safety could genuinely be at risk…

OP posts: