Hi, my renovation is almost conpleting. I am supposed to Make my last 2nd payment (10%) before the final 5% retainer fee. ID was kind to start the carpentry works even before I paid up. But I just went to see my house. Lightings are up so I can see that painting of the walls and plastering job was a disaster. Painters also had paint all over my laminated flooring.... Although ID say that he will make sure the paint is removed before handover, I am worried of the further damage of thinner on my flooring. Can I actually withhold this 10% until rectifications? Just read my tnc and it did not mention anything that I can hold my payment but that any delayed payments are subject to 3% interest :-( Pls advise me urgently. Thanks.