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Know who owes you. Chase it properly.
81% of UK tradespeople are chasing late payments, with £6,210 outstanding on average. Track every invoice here, and when one goes overdue, send a ready-written reminder — friendly at first, then firm, then a final notice with statutory interest calculated for you.
The escalation that works
Most late payments aren't malice — they're drift. A friendly nudge at 7 days clears most of them. A firm reminder at 14 shows you're watching. A final notice quoting the Late Payment Act — with interest and compensation already calculated — gets the rest moving. Consistency beats confrontation.
Your legal backstop
For business clients, the Late Payment of Commercial Debts (Interest) Act 1998 entitles you to base rate + 8% interest plus £40–£100 fixed compensation per overdue invoice — no need for it to be in your terms. For homeowners it doesn't apply, but a clear escalation trail matters if you ever use Money Claim Online. This is a guide, not legal advice.