The Late Payment of Commercial Debts (Interest) Act 1998

Are you tired of dealing with non payers? Did you know that there's an act designed to help you with this issue?


The Late Payment of Commercial Debts (Interest) Act 1998 allows businesses to charge interest and claim compensation for the costs incurred due to late payments. This act applies to all commercial transactions, regardless of the size of the business.

Under this law, businesses are required to pay their suppliers within a reasonable time frame, and failure to do so can result in penalties and interest charges.


So, how can you use this act to your advantage? Here are a few steps:

  1. Set clear payment terms: Make sure that you communicate your payment terms clearly to your customers. This can include the amount, due date, and any late payment fees.
  2. Chase late payments: If a customer doesn't pay on time, don't hesitate to chase them up. You can also send reminder letters and invoices.
  3. Charge interest: If a customer still doesn't pay after you've reminded them, you can charge interest on the amount owed. The interest rate is currently 8% plus the Bank of England base rate.
  4. Claim compensation: You can also claim compensation for any costs you've incurred due to the late payment. This can include administration costs, debt recovery fees, and legal fees.

Remember, the Late Payment of Commercial Debts (Interest) Act is there to help you get paid on time.


Summary?

Under the Late Payment of Commercial Debts (Interest) Act 1998, you can charge interest on commercial debts that are paid late. The interest rate that you can charge is the Bank of England's base rate plus 8%. You can also charge a fixed sum for the cost of recovering the debt, depending on the amount owed:

  • £40 for debts up to £999.99
  • £70 for debts between £1,000 and £9,999.99
  • £100 for debts of £10,000 or more


Feel free to contact me if you have any questions

Roan Hay

[email protected]

Ryan McGourlick

Electrical Supervisor

1 年

Roan, could you pm your number across to me mate, need a chat regarding a 5 figure sum owed ?? cheers Roan

Mark Richardson

Owner - Director at Danum Fire Systems Limited

1 年

Nice article ??

Murray Ambler-Shattock

A multi award-winning Strategic Operations, R&D, Innovation, Cost, Procurement & Supply Chain, Product, Fleet, M&A, Risk, Estate, Asset & Facilities Management professional, at K M Group, a multi award-winning business.

1 年

Do your thorough due diligence and get access to quality real time Fintel, as there's always tell tale signs. That or insist on payment up front of course, but that's hard to get the customers to swallow, as so many have taken money for work they then fail to deliver. 50% up front and 50% on completion seems a sensible balance, if they can't be trusted with being granted credit.

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Murray Ambler-Shattock

A multi award-winning Strategic Operations, R&D, Innovation, Cost, Procurement & Supply Chain, Product, Fleet, M&A, Risk, Estate, Asset & Facilities Management professional, at K M Group, a multi award-winning business.

1 年

Absolute epidemic at present Roan. So many small firms contacting and asking for advice having been strung out heartlessly, and facing dire circumstances due to cash starvation. The worst perpetrators know they can get away with it, until collections and enforcement is enacted. The ones that won't stand for it, pass up the trade knowing they will have trouble getting paid, but so many others blindly accept work from those parties and the cycle continues and the late payment culture pervades.

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