Ok, the builder phoned this morning to see what I thought of his quote and I'm still deciding whether to feel entertained or insulted by his explanations.
I said that we were waiting to compare it with other quotes but we felt it was much too high and a couple of things eg the decorating were just ridiculous. He said that they'd allowed headroom in the decorating price for problems etc and it was easily reduced. Isn't that just builder-speak for either " I thought I could get away with it as you're stupid" or, worse "I'll reduce it now to secure the work and then I'll find the aforementioned problems at a later date and put it back up"?
Anyway, it was a quote, not an estimate so if I'd paid I wouldn't have got this "padding" refunded, they do think I'm stupid, don't they?
Even better, I explained my confusion over the item where they're claiming to be buying for me so that I benefit from their trade discount and yet the cost to me is more than buying it retail and having it installed by the manufacturer's approved supplier. The explanation for that was that he has to charge me the gross price he pays and then add his VAT on top. The funny bit there is that he knows I'm a chartered accountant - wouldn't you assume I have a working knowledge of VAT and not try to lie about it. I know full well he gets to reclaim the VAT he's paid to his supplier. Yes, he has to charge me VAT but not VAT on VAT thank you very much! And there's still no trade discount in any part of that calculation, in fact his "trade" price from the supplier is dearer than my retail one for the identical item.
And I queried to confirm that "fit" means I'd be supplying the item and "supply and fit" means they've included buying the item in their price. Obvious but I had reason to be suspicious from the quote. Answer - it depends! They "might" have put "fit" in some places and meant "supply and fit". They will check and make it clearer. Really. Riiiiiight.
Why do they think I have the IQ of Homer Simpson? What did I do to make them think that?