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Previewing for [Client Name] · £4,200.00 · 45 days overdue
7 August 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.
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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
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