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There is a growing sense that something has shifted in the UK credit landscape.
New announcements on late payment, stronger language around director behaviour and increased enforcement activity all point in the same direction. On the surface, it feels like a tougher environment for those who fail to pay.
There is a long-standing belief in UK business that late payment is frustrating but manageable. Customers are slow, credit control chases, and eventually most debts are settled.
In 2026, that belief is becoming increasingly difficult to defend.
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