Undisputed money costs less to recover than a disputed claim, so it costs you less. Quoin's review of your records is always free, even when the honest answer is to walk away.
3%
Overdue
Undisputed money that's late, such as an unpaid notified sum or an approved invoice. Quoin's notices do the chasing.
Minimum £75, capped at £750
8%
Disputed
Sums the other side disputes, settled on the evidence Quoin assembles. If they still won't pay, Quoin sends a letter before adjudication with a ready-to-file case pack.
Capped at £3,000
10%
Adjudication
Quoin prepares and runs adjudication on payment claims of any size from the same case file, with the adjudication body's fees at cost. Complex disputes go to a solicitor or claims consultant you choose, with the complete file.
Capped at £3,000
No upfront feeNothing to pay unless money reaches your account.
Claims from £500Minimum fee £75, charged only when money is received.
Paid after you areOur invoice is due 14 days after the money lands.
Capped feesAt most £750 on overdue money and £3,000 on a disputed claim or adjudication, however large the claim.
Quoin Live
For every live job
A monthly plan that protects every live job: contract terms extracted, the payment clock watched, instructions captured and variations registered. Priced per live job, so it grows with your order book. Overdue cases are included and success fees are lower.
£45 per live job£399a month minimum
The same £10,000 invoice, five ways.
Most routes charge upfront, or stop, once the other side disputes it. Only Quoin puts the Construction Act and your site records to work with nothing to pay unless you’re paid.
Your £10,000 invoice:Figures before VAT unless stated
OptionNothing upfrontConstruction Act noticesProves unagreed variationsRuns adjudicationWhat you payHow long
Chasing it yourself
Emails and calls from the office, when there’s time.
Nothing upfront: yesNothing upfront
Construction Act notices: noConstruction Act notices
Times your notices under the Construction Act, adds statutory interest and proves disputed work from your emails, WhatsApp, photos and timesheets. Runs adjudication on payment claims of any size, from the notice to the referral bundle. Complex disputes go to a solicitor you choose, with the full file.
What you pay
£300
3% of what’s recovered. The £100 statutory compensation and interest Quoin claims can cover much of it.Only if you’re paid
£800
8% of what’s recovered, capped at £3,000.Only if you’re paid
£1,000
10% of what’s awarded and paid, plus the adjudication body’s fees at cost.Fee only if you’re paid
How long
Days to weeks
Notices go out the day you approve them.
Weeks
Evidence and replies in writing, on the Act’s deadlines.
About 5 weeks
28 days from referral, unless extended.
Typical figures as of September 2026, not quotes. Sources and notes
AI small-claims service: its published pricing chart. Court fees from HM Courts & Tribunals; they may be recoverable if you win.
Hearing wait: Ministry of Justice civil justice statistics, median 36 weeks to a small claims hearing (October to December 2025).
Adjudication: RICS summary adjudication fees and published solicitor fees. Agency rates: typical UK commission.
Statutory late payment compensation applies unless your contract gives its own substantial remedy.
Every trade argues about different things.
Quoin learns the documents, terms and disputes of each package. We're starting with electrical and mechanical subcontractors.
ElectricalInstruction foundL3 containment, WhatsApp 14 Mar
Every extra on the drawings, paid.
Containment, circuits and layout changes instructed on site, matched to the instruction, the agreed rate and the hours.
MechanicalDrawing revision CRe-route priced after design freeze
Changes after design freeze, priced properly.
Plant and pipework changes and re-routing around late trades, backed by drawing revisions and RFI replies.
Fire protection14 penetrations by othersMatched to the penetration log
Late penetrations, charged to whoever made them.
Sealing holes made by other trades and re-work after inspection, evidenced with penetration logs and reports.
Groundworks38 extra loadsMatched to tipping tickets
What the ground turned out to be, paid for.
Unforeseen conditions, extra muck-away and disputed re-measures, backed by tipping tickets and survey levels.
RoofingScaffold held 6 weeks longerProven with hire records
Extra details and held scaffold, recovered.
Details added by design changes and access kept longer than planned, proven with hire records and dated photos.
DryliningContra-charge challengedBefore and after photos
Re-boarding and contra-charges, challenged.
Re-work after late services changes and contra-charges for cleaning or damage, answered with before and after records.
The law already protects your payment.
Many rights in the Construction Act turn on notices served correctly and on time. Quoin's payment clock tracks every date in your contract and prepares each notice in time.
Due date + 5 days
s.110A
Payment notice
Within 5 days of the due date, the payer must say what it will pay and why. If it doesn't, your application can stand as the sum due.
Before the final date
s.111
Pay less notice
To pay less, they must serve a notice with reasons before the contract deadline. Without one, the full amount is payable.
Final date for payment
s.113
Pay-when-paid
A clause that makes your payment wait on the main contractor's is generally ineffective.
After the final date
s.112
Right to suspend
Still unpaid after the final date? You can suspend work on 7 days' notice and recover the reasonable costs.
At any time
s.108
Adjudication
Refer a dispute at any time. A decision within 28 days, binding until the dispute is finally settled.
Late Payment of Commercial Debts (Interest) Act 1998
On top of what you're owed: statutory interest at 8% above the Bank of England base rate, and £40 to £100 compensation for each late invoice. Quoin calculates both and adds them to your claim for you to approve.
Housing Grants, Construction and Regeneration Act 1996, Part II, as amended in 2009. England and Wales. Quoin is not a law firm. When a case needs a solicitor, Quoin gives you the complete file to take to one.
Quoin does the work.You make the decisions.
Quoin reads messages, drawings and timesheets, prepares sourced drafts, handles replies and tracks every deadline.
Every line of every claim links to the message, email or photo it came from, so you can see why before you approve. Nothing goes out in your name without your approval, and you never need to get on a call.
Quoinnow
VO-014 is ready for your approval
£12,480.20 · Every line sourced
Approve and sendView claim
QuoinReads, drafts, sends, handles replies and tracks every deadline.
Your recordsEvery figure in a claim traces back to them, line by line.
YouAnswer a few questions and decide on offers, in the app.
Questions for youVO-014
3 of 5 answered
Is the WhatsApp export the whole site group?Yes, from week 8
Were daywork sheets signed for 18 to 22 March?No, timesheets only
Has anything been paid against VO-014?Nothing yet
Were the Level 2 sockets agreed verbally? Who with?
Add statutory interest to the claim?Optional
Everything else came from your records1,480 items read
Your story first. Then the right questions.
Start a case in your own words. Quoin keeps the account and asks for the details still needed.
1
Tell Quoin what happened
Start in minutes, in your own words. You can add the records you already have.
2
Share what you have
Forward the threads, upload the subcontract and export the site WhatsApp chat. Messy is fine.
3
Get a straight answer
A free view of what's recoverable, what isn't, and whether it's worth chasing.
4
Answer a few questions
Only what the records can't answer, right in the app. Then approve anything that goes out in your name.
5
Get paid
Quoin pursues it until the money lands, and invoices its fee after it does.
Before you start a case.
Straight answers to what subcontractors want to know first.
No. You open the case, share records, answer questions and approve everything in Quoin, in writing. There are no calls or meetings, and the written trail becomes part of your evidence.
Will this damage my relationship with the main contractor?
Quoin leads with evidence and calm, professional correspondence, all in writing. Nothing is sent without your approval, and you decide how hard to push at every step.
Does AI actually understand construction?
Quoin is built around UK construction contracts, notices and payment law, and every claim line cites the record it came from. When a case needs a judgement Quoin can't make reliably, it tells you plainly instead of guessing.
Will you read all my emails?
No. Connect only the projects and mailboxes you choose, or just forward the relevant threads. Your records are never used to train third-party AI models.
What if they still won't pay?
Every disputed case includes a letter before adjudication, backed by a ready-to-file case pack. That is often enough. If not, Quoin recommends adjudication only when the evidence supports it and shows you every cost before you decide. It prepares and runs adjudication on payment claims of any size, and hands complex disputes to a solicitor or claims consultant you choose, with the complete case file.
What if the main contractor can't pay?
Quoin checks their filings before a case opens and tells you if they look insolvent. If they're already in formal insolvency, it points you to an insolvency practitioner instead.
What can't you take on?
Claims under £500, work for homeowners or other residential occupiers, and anything that needs court proceedings from the start. We work with subcontractors in every construction trade across England and Wales.
Are you a law firm?
No. When a case needs a court step, such as enforcing an adjudicator's decision, Quoin gives you the complete case file, ready to take to a solicitor of your choice.
Start with one unpaid job.
Check whether it's legally due, then let Quoin open the case from your answers.
Founding cases: electrical and mechanical subcontractors in England and Wales, on claims from £500.
Payment check3 answers
Application submitted31 Mar
Pay less notice received?No
Final date in your contract14 days after due
Payment clockHarbour Yard, Block B
31 MarApplied and due
5 AprNo payment notice
7 AprNo pay less notice
14 AprFinal date passed
Full amount now dueLegally due
£12,480.20
No valid pay less notice was served.
Recovery caseDraft
JobHarbour Yard, Block B
Owed byMain contractor
Claim£12,480.20
RouteOverdue, 3% if paid
4 answers carried over from your payment check
Add recordsOptional
SubcontractAmended JCT, 48 pages
Site inbox214 emails
WhatsApp exportReading 1,206 messages
62%
Nothing to retypeYour answers became the case
Notified sum demandReady to send
To the package QS, Harbour Yard, Block B
Application 9 was not met by a valid pay less notice. The notified sum of £12,480.20 was payable by the final date, 14 April, and remains unpaid. Please pay it within 7 days.
