Free late-payment letter
Get back what you're owed.
Upload your contract and the overdue invoice — GitLaw finds the interest you're legally owed and writes the letter that claims it. Free.
5.0 out of 5 on Google
Read reviewsAs featured in
The campaign
Five steps, one click apart. Click any rung to see the letter.
Each step is drafted from your figures. Escalate only if they ignore you — and stop the moment they pay.
Previewing for [Client Name] · £4,200.00 · 45 days overdue
17 September 2026
To: The Accounts Department [Client Name]
Re: Overdue invoice INV-2039 — Letter Before Action
Dear Sir or Madam, We write regarding invoice INV-2039 in the sum of £4,200.00, issued to [Client Name] and now 45 days overdue. Despite prior reminders, payment remains outstanding. This debt is a commercial debt within the meaning of the Late Payment of Commercial Debts (Interest) Act 1998. Under that Act you are liable not only for the principal sum but also for statutory interest at 8% above the Bank of England base rate, together with a fixed sum in compensation for the cost of recovering the debt. As at the date of this letter, those amounts are as follows:
| Principal (invoice INV-2039) | £4,200.00 |
| Statutory interest to date (45 days @ £0.92/day) | £41.42 |
| Fixed recovery compensation | £70.00 |
| Total now due | £4,311.42 |
Interest continues to accrue daily until payment is received in full. We therefore require payment of the total sum set out above within 7 days of the date of this letter. Should payment not be received, we reserve the right to commence recovery proceedings without further notice, including a claim through the County Court, and to recover the costs of doing so.
Why it works
8% interest and £70 are your legal right — most people never claim them.
The Late Payment of Commercial Debts (Interest) Act 1998 gives you statutory interest at 8% over the Bank of England base rate, plus a fixed sum to cover the cost of chasing. It runs every day the invoice stays unpaid — whether they realise it or not.
Statutory interest accruing on this invoice
Late Payment of Commercial Debts (Interest) Act 1998 · 8% over base + £70 fixed recovery · Shown at accelerated speed
Not another document generator
Meet GitLaw — your legal AI agent
A generator hands you a document and leaves you alone with it. GitLaw is an AI agent: it understands your case, drafts every step, and keeps the whole matter organised and ready to act on.
Built for your legal work,
with practicing lawyers
Trained on 5,500+ clauses and specialist areas of law. Built with a standards committee of independent lawyers.
Trusted by 5,000+ businesses
GitLaw drafts with trusted templates from its library
Browse all templatesFrequently asked questions
No — you can see what you're owed and draft your letter for free. Create a free account only when you want to save your enforcement ledger and send.
More free legal tools
Stop chasing. Start claiming.
See the interest your contract owes you and send the letter that claims it — free.