Client Ignoring Your Invoice? Add £40–£100 Compensation + 8% Interest & Send a 14-Day Letter Before Action
Polite payment chasers get ignored. A formal Pre-Action Protocol legal demand citing statutory daily interest and County Court (MCOL) escalation gets paid first. First 2 consultation questions free.
🧮 Late Payment of Commercial Debts Act 1998 Calculator
Instant UK Statutory Assessment
Complete or adjust the fields above to calculate your exact UK statutory position, compensation estimate, or limitation deadline.
⚖️ UK Statutory Position Across Jurisdictions
🏴 England & Wales Statutory Authority
Late Payment of Commercial Debts (Interest) Act 1998 (8% + Bank of England Base Rate + £40/£70/£100 fixed fee) & CPR Pre-Action Protocol (HMCTS MCOL up to £10,000)
🏴 Scotland Statutory Authority
Late Payment of Commercial Debts (Interest) Act 1998 & Courts Reform (Scotland) Act 2014 (Sheriff Court Simple Procedure up to £5,000; 5-year prescription limit)
🇬🇧 Northern Ireland Statutory Authority
Late Payment of Commercial Debts (Interest) Act 1998 & NI Courts Civil Online (Small Claims up to £5,000; 6-year limitation)
🏛️ Primary Resolution Forum & Limitation Deadline
Forum: HMCTS Money Claim Online (MCOL) County Court or Statutory Demand (Insolvency Act 1986 if >£750 Ltd Co)
Time Limit: 14 days final notice for B2B commercial debts (30 days for individual consumers under Debt PAP); 6-year limitation period
Time Limit: 14 days final notice for B2B commercial debts (30 days for individual consumers under Debt PAP); 6-year limitation period
❓ Frequently Asked Questions (Commercial & SME Debt)
Can I claim late payment interest and £40–£100 compensation if I don't have a written contract?
Yes. For any B2B supply of goods or services in the UK, the Late Payment of Commercial Debts (Interest) Act 1998 implies a statutory right to 8% over the Bank of England base rate plus £40 (under £1,000), £70 (£1,000–£9,999.99), or £100 (£10,000+) compensation automatically 30 days after invoice delivery.