Tools
Late payment letter generator
Fill in the details, pick the stage, and download a properly formatted letter as a Word document. Typed here, generated here: nothing leaves your browser.
Statutory figures use 8% + the base rate you enter; verify the current rate at bankofengland.co.uk. General information, not legal advice; where the debtor is an individual or sole trader the Pre-Action Protocol for Debt Claims applies to court steps.
[Your company]
18 August 2026
[Customer name]
Re: invoice [invoice number], 30 days overdue
Dear [Customer name],
Invoice [invoice number] for [amount] is now 30 days past its due date of [due date]. Please arrange payment within 7 days, or reply with a date we can rely on.
You can settle by card or bank transfer using the payment details on the invoice.
If there is a problem with the invoice, tell us now so we can resolve it.
Kind regards,
[Your name]
[Your company]
Want the reasoning behind each stage? Read the letter templates guide, and use the interest calculator to sanity-check the statutory figures.
Letter generator FAQs
Is the downloaded file a real Word document?
Yes: a standard .docx that opens in Microsoft Word, Google Docs, LibreOffice and Pages. It is generated in your browser; nothing you type leaves your device.
Which letter should I send?
Match the stage to the age of the debt: a polite reminder days after the due date, the firm chaser at about two weeks, the final notice at 30 days with statutory interest quantified, and the letter before action as the last step before court proceedings.
Where do the interest figures come from?
The Late Payment of Commercial Debts (Interest) Act 1998: 8% plus the Bank of England base rate on B2B invoices, plus fixed compensation of £40, £70 or £100 by debt size. Verify the current base rate before sending; the generator uses the rate you enter.
Make the letter the last step you need
Payment links that let late payers clear an invoice by card, the day the letter lands.