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Don't let clients ghost you. Use our free tools to calculate interest and recover legitimate debt under the UK Late Payment Act.
UK Government Backed
"If a business is late paying for goods or services, you can claim interest and debt recovery costs." — GOV.UK
UK Statutory Interest (Sync: 3.75% BoE)
For graphic designers, late payments aren't just annoying—they threaten your livelihood. Clients often treat freelancers as "interest-free credit".
Under the Late Payment of Commercial Debts Act, you can charge 8% interest plus the Bank of England base rate, AND a compensation fee of £40-£100 per invoice.
Designers in the UK creative sector are often subject to 'payment on completion' traps or disputes over intellectual property rights.
HMRC allows for creative tax reliefs in some cases, but consistent cash flow is king. Always specify that IP rights only transfer upon FULL payment of the final invoice. If they are using your work without paying, RecoupIQ can help you issue a formal Cease and Desist alongside your demand letter.
Relevant Body: Design Council UK
The "Polite Nudge"
Send a reminder 2 days after the due date. Keep it friendly.
The Formal Notice
At 7 days overdue, send a formal notice attaching the original invoice.
Letter Before Action (LBA)
At 30 days, you must send an LBA if you plan to take legal action.
Unlike debt collection agencies, RecoupIQ is a software platform. You keep 100% of what you recover on our standard plans.
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