Final demand letter

A clear letter before action on your own letterhead, with statutory interest worked out for UK business debts.

No logo? We show your initials.

From · your businessAddress, email or phone

Tax ID (optional)VAT number, RC or TIN, EIN. Shown only if you add one.

Your logo and details are remembered on this device for your next document.

Who owes you, and for what

CountryClient nameClient addressInvoice numberAmount unpaidInvoice dateWas due on0 days late todayBank of England base rate %Check the current rate on the Bank of England's website

Send from your own address and track the reply

Help, not legal advice. Wording is reviewed per country; check it suits your situation before sending.

Your business

14 Nov 2026

Client name

Final demand: invoice [number], £0.00

Dear Sir or Madam,

Our invoice [number], dated 14 Nov 2026, for £0.00 was due on 14 Nov 2026. It is now 0 days overdue, and earlier reminders have not been answered.

Under the Late Payment of Commercial Debts (Interest) Act 1998, we are entitled to statutory interest of £0.00 (8% above the Bank of England base rate) and fixed compensation of £40.00. The total now owed is £40.00.

Please pay in full by 28 Nov 2026. If we don't receive payment or hear from you by then, we may start legal proceedings to recover the debt, which may add court fees and costs.

If you believe this amount is wrong, or you need to discuss a payment plan, please contact us before that date.

Yours sincerely,
Your business

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How it works

1
Fill in the invoice
Who owes it, how much, and since when.
2
Check the letter
Clear, firm and correct for your country.
3
Send it
As a PDF, by email and post.

Who it's for

Freelancers at the end of their patience
Anyone about to start a small claim
People who need a letter before action
Anyone who wants it to sound like they mean it

Questions

What is a letter before action?

A last, formal request to pay before you go to court. Courts expect you to have sent one.

Do I need a lawyer to send one?

No. For large amounts, it's worth asking one.