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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 plumbers, 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.
For UK plumbers and gas engineers, late payments often stem from domestic disputes or disputes over material costs (van stock).
If a customer refuses to pay for parts already fitted, this can be treated as a supply of goods. Under the Late Payment Act, you are entitled to compensation for each invoice, which can help cover your fuel and call-out expenses while chasing.
Relevant Body: CIPHE (Chartered Institute of Plumbing and Heating Engineering)
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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