TRADEKIT FIELD GUIDE · REVIEWED 7 OCTOBER 2026

What to do when a contractor has not paid you

When a payment is late, assemble the contract, valuation and notice record first. The next step depends on the subcontract, the payment stage and the reason given for non-payment.

Build a clean payment record

Collect the signed subcontract and amendments, your application and attachments, proof of service, payment notice, any pay less notice, invoice and bank record. Write down the due date and final date for payment from the contract. Keep the original messages and dates.

Compare the notified amount

Reconcile the application with the payer’s notice and any pay less notice. Check the sum due, calculation basis, deadline and service method against the contract. If the notice or payment is disputed, follow the dispute procedure and consider prompt advice; short deadlines can matter.

Send a factual chase

Refer to the contract, application or invoice number, amount, due date and payment details. Ask for a clear payment date or the specific contractual basis for a different amount. Keep the tone factual and save the response. Avoid making threats or adding interest before checking entitlement.

Check available remedies

GOV.UK explains statutory interest for qualifying business-to-business debts and fixed recovery sums. A construction contract may contain a different remedy, and the statutory rules have eligibility conditions. Construction payment legislation also has its own notice and dispute-resolution framework. Use an interest estimate only after checking the contract and applicable law.

Practical checklist

Collect the signed terms, application, notices and service records.
Verify the due date, final date and amount notified.
Send a dated, factual payment query and keep the reply.
Get qualified advice before relying on statutory remedies or adjudication.

Common questions

Can I charge statutory interest on any late construction payment?

Not automatically. Check whether the debt qualifies, whether the contract provides a different remedy, and which rate applies for each half-year period.

Can I suspend work immediately if I have not been paid?

Suspension has statutory and contractual conditions and notice requirements. Get advice and check the relevant provisions before taking that step.

Official references

Use the current source material and your contract for the specific facts. These links support this guide; they are not a substitute for individual advice.

Last reviewed 7 October 2026. TradeKit guides explain general process and arithmetic and are not legal, tax or accounting advice.