I've personally experienced this and the matter extremley clear cut and simple.......
You cant legally stop and cheque because you are not happy with the goods / services, they have shot themselves in the foot, you can take this to county court and win, they cannot defend the claim.
Do the below straight away.
1.) Send them a notice of dishonour via recorded delivery straight away, then if no payment is forthcoming then submit a county court claim via money claim online and immediatley, claim the full amount of the cheque that they stopped. You dont need to show they were happy with the work, or that it is up to scratch, the law is very strict and very clear on stopping cheques, and unless there is one of a very small and specific list of reasons they will not be able to defend the claim. You will also get interest added for the delay, and the court costs back.
You can only cancel a cheque if its stolen, obtained fraudulantly, you recieve ZERO, goods or services in return, the contract between the two parties is illegal.
Notice of Dishonour you need to send first is;
Dear XXXXX,
Notice of Dishonour
We give you notice that cheque number *** dated *** account no.*** of *** Bank drawn by you to pay your arrears of £*** Has been confirmed dishonoured on *** date by reason of non-payment and that you are held responsible.
Payment of the aforesaid sum is required in cleared funds within seven days of the date of this letter. Failure to pay the same will result in Court proceedings being issued without further notice.
Yours faithfully
Then if they dont reply submit a county court claim via money claims on line as follows. (you may even be able to just counter claim in the current case, Ring the court clerk at the county court and they'll offer you some advice.
On *** date I installed floor tiles at *** Address, having been instructed to do so by the house owner Mr/Mrs XXXXX.
This work was completed on *** date and a cheque for full and final payment was issued by Mr/Mrs ***, this being cheque number *** from account *** signed by *** and dated ***.
On the *** i recieved notice from my bank that mr/mrs *** had cancelled the cheque. Communication to resolve this matter with Mr/Mrs *** has failed and I now wish to bring a claim under the Bill of exchange act to recover the full amount of the cheque paid.
I confirm that the cheque was issued to myself by Mr/Mrs *** as means of pyament for the work undertaken and materials provided.
Goods and Services were provided, the cheque was not stolen or obtained fraudulantly, the verbal contract between myself and the customer was not illegal.
Regards
***
I cannot stress enough that they are unable to defend this action, they may still persue the claim against your for the work, but you should be able to defend easily, given what you've said.
Same happened to me a couple of years ago, she was trying to get out of paying and tried to do the same to a plumber, window company and a gas fitter, we all hammered her really simply becuase she made the mistake of paying us all by check and then cancelling them.
She was a friend of a friend and apparantly she thought she was really clever when she thought her defence of not being happy with the work would get her out of paying, and apparantly she was spitting feathers when she was told by the court that she had no defence, the cheque was for around £800, she was ordered to pay me about £1100, she still didnt pay so I took it further and ended up with a baliff going round and clamping her car, she then quickly coughed up, with the baliff charges added in it cost her abour £1800.
I've kept all the paperwork for that job, with the court papers as well in a seperate folder which I look at every so ofter because it makes me smile knowing she tried to shaft me and it back fired on her big time.
I think i wrote a thread about it at the time, ill try and find it.