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Late Payment Reminder Generator

A firm reminder with the interest and recovery costs you are entitled to claim.

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Quick Tool Overview

The Late Payment Reminder Generator writes the firm message and works out the claim — statutory interest accruing daily from the due date plus the fixed recovery cost — with the legal basis quoted, which is what turns a request into a claim.

What it does
Writes a firm reminder with interest claimed
You give it
The debt, the due date and the basis
You get back
The message and the sum now claimed
Best for
An invoice thirty days or more overdue
Invoice Tools Free, unlimited use No sign-up Runs in your browser

About the Late Payment Reminder Generator

Once an invoice is properly late, the message changes from a question to a statement, and it should carry something the earlier ones did not: the money that has accrued since the due date. In the UK and the EU you have a statutory right to interest and a fixed recovery cost on a late commercial debt whether or not your terms mention it — and most suppliers never claim either.

This writes the firm reminder and works out the claim. Interest accrues daily from the due date at 8% above the Bank of England base rate under the Late Payment of Commercial Debts (Interest) Act 1998, or 8 points above the ECB reference rate under Directive 2011/7/EU, plus a fixed sum of £40, £70 or £100 depending on the size of the debt — or €40 in the EU.

The message quotes the basis, states the amount now claimed, gives a date, and says what happens next. Quoting the Act is what turns a polite request into a claim somebody has to deal with, and it is the single most effective change most small suppliers can make to how they chase.

Key features of the Late Payment Reminder Generator

Statutory interest calculated

Daily from the due date, at the right rate.

Fixed recovery cost

£40, £70 or £100 by debt size, or €40 in the EU.

The basis quoted

Naming the Act is what makes it a claim rather than a request.

A dated deadline

Not "as soon as possible", which is not a deadline.

Honest consequences

Only threaten what you will actually do.

How to use the Late Payment Reminder Generator

  1. 1

    Enter the debt and the due date

    Interest runs daily from the date it fell due.

  2. 2

    Pick the basis

    UK statutory, EU directive, or your own contractual rate.

  3. 3

    Read the claim

    Principal, interest to date and the fixed recovery cost.

  4. 4

    Set a deadline

    A date, not "as soon as possible" — a deadline with no date is not one.

  5. 5

    Say what happens next

    And only say what you are actually prepared to do.

Frequently asked questions

In the UK and the EU, yes, on a commercial debt — the right is statutory and applies regardless of what the contract says. Elsewhere it usually depends on the contract, so check before you claim.

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