How to Chase Unpaid Invoices in the UK: A Tradesperson's Guide

Why This Matters

Unpaid invoices drain cash flow and stress. As a tradesperson, you've earned that money—now it's time to get it.

Step 1: Check Your Invoice

Before chasing, confirm:

Invoice was actually sent
Payment terms are clear (usually 14-30 days)
Your contact details are correct

Step 2: The First Reminder (Day 15)

Send a polite reminder email:

"Hi [Client Name],

I noticed invoice #[number] dated [date] hasn't been paid yet. The payment was due on [date].

Could you confirm payment has been sent? If there's an issue, please let me know.

Thanks, [Your name]"

Step 3: Escalate (Day 30)

If still unpaid, send a formal letter stating:

Invoice details
Amount due
That you expect payment within 7 days
Mention Late Payment of Commercial Debts (Interest) Act 1998 if applicable

Step 4: Legal Action (Day 45)

Options include:

Small Claims Court (up to £10,000)

Filing fee: £25-455 depending on amount
No solicitor needed
Takes 4-6 months

County Court (£10,000+)

More formal process
Solicitor recommended
Takes 6-12 months

Debt Collection Agency

They take 10-20% commission
No upfront cost
Faster resolution (30-60 days)

Tools That Help

Track invoices automatically with software like Dayrates—send reminders automatically, track payment status, and reduce admin time.

Key Takeaway

Don't wait. The longer an invoice sits unpaid, the harder it becomes to collect. Start the conversation at day 15, escalate at day 30, and pursue legal action if necessary.