I've met a lot of our lovely readers of our blog in the wedding groups on Facebook, and one thing I see too often is couples either being scammed or venues or suppliers going bankrupt or closing without notice.
We have covered this before in short within other blogs, but wanted to really emphasise making sue you are covered as much as possible. So with this in mind here are a few suggestions to help protect yourselves, in conjunction with our other blogs.
Before anything else your MUST perform due diligence on any suppliers you use, including your venue, which will surprise a lot of people. The reason behind this is, we see a lot of venues changing hands before weddings with major staff and policy changes, so if this is due to happen you need to either be prepared or find another venue. As for your other suppliers, There is info below, but contracts, checking reviews, remembering things like Facebook likes can be bought and so on.
As soon as you start booking your wedding take out wedding insurance, however check the fine print as if you are planning more than two years ahead you may have to ask suppliers to re-issue contracts after two years. A few of the main suppliers of good insurance are John Lewis, Debenhams, and M&S (.
I think everyone knows they should never use friends and families to pay suppliers, even if they moan about the extra charges for a business transaction, and some even ask you to pay those charges with is illegal. If they are not willing to take the hit, they need to adjust their pricing structure to cover that.
Most of your big suppliers with normally take payment via bank transfer, which some people warn you about, however if you have done your due diligence, and insist on contracts and receipts this should not be an issue, and many sole traders won't have credit card facilities.
Now I would never advise anyone using credit cards to pay for a wedding, however for things like venue deposits I would suggest paying with a credit card then using your savings to pay it straight off, this was you you have extra insurance if the venue does have problems before your wedding. This goes for any major purchases where possible.
Very simple, no contract no business and read the fine print, and that goes for any service supplier big or small, and please never pay a deposit before getting and signing a contract.
Simply always ask for a receipt, even if just a PayPal one, and keep them until your wedding is over and fingers crossed you had the most wonderful day of your lives.
I hope this is helpful, and if anyone has further suggestions please let me know and either add them as a comment or I'm happy to add them to this entry.
Stay safe and have a wonderful day.