Every protected WeorcOS invoice produces a timestamped Debt Verification Certificate documenting client acceptance, the dispute window, and statutory interest accrual. Use it in your Letter Before Action, your Small Business Commissioner referral, and your county court claim — without paying a solicitor to draft it from scratch.
A DVC is a single PDF that brings together the facts of the debt in one defensible document. Every certificate includes:
Registered company name, Companies House number, registered office, director details (where available via Companies House)
Your business name, Co. No., registered address, signatory
Invoice number, date issued, due date, amount in £ ex-VAT and inc-VAT
Timestamped digital acceptance event, IP address, user agent
Start and end dates of the 30-Day Dispute Lock window
Disputed / not disputed / dispute resolved (with details)
Running total at 8% + Bank of England base rate, with daily breakdown
£40, £70, or £100 per Late Payment of Commercial Debts (Interest) Act 1998, depending on debt size
SHA-256 hash of the certificate for tamper-evidence
Generated and signed by WeorcOS platform with verification URL
You issue the invoice through WeorcOS, with the 30-Day Dispute Lock active
The client either accepts digitally, or 30 days pass without a dispute being raised
WeorcOS automatically generates the Debt Verification Certificate at acceptance + 30 days
From day 31, the certificate updates daily with running interest and compensation totals
| Stage | What happens | Role of the DVC |
|---|---|---|
Automated reminders | WeorcOS sends payment reminders at intervals | DVC is referenced and attached |
Letter Before Action (LBA) | Formal pre-action notice | DVC attached as primary evidence; statutory interest computed from DVC |
Small Business Commissioner referral | Free referral for unpaid B2B invoices | DVC submitted as core evidence document |
Collection agency referral | Optional — refer to partner DCA | DVC handed over, reducing DCA's evidential burden |
County court claim (Money Claim Online) | Formal claim filed | DVC and statutory interest schedule submitted as Particulars of Claim attachment |
WeorcOS sends payment reminders at intervals
DVC Role: DVC is referenced and attached
Formal pre-action notice
DVC Role: DVC attached as primary evidence; statutory interest computed from DVC
Free referral for unpaid B2B invoices
DVC Role: DVC submitted as core evidence document
Optional — refer to partner DCA
DVC Role: DVC handed over, reducing DCA's evidential burden
Formal claim filed
DVC Role: DVC and statutory interest schedule submitted as Particulars of Claim attachment
The DVC is generated at the time of acceptance, not retrospectively. Timestamps are recorded by WeorcOS, not by either party. This is the kind of contemporaneous record that courts find more persuasive than reconstructed email trails.
Every DVC carries a SHA-256 hash and a verification URL. Anyone receiving the certificate — your debtor, the SBC, a court — can verify the document hasn't been altered.
UK statutory interest under the Late Payment of Commercial Debts (Interest) Act 1998 has specific rules: 8% above the Bank of England base rate, fixed compensation tiered by debt size, calculated from the day after the due date. The DVC computes all of this correctly so your claim stands up.
Upgrade to Protection to activate the 30-Day Lock and DVC
A DVC is not a court order. It is a documentary record of debt acceptance and dispute window expiry. Its legal weight comes from being a contemporaneous, tamper-evident record of facts that a court or the SBC will consider as part of evidence. Most B2B debts are settled before any formal proceedings; a strong DVC often resolves matters at the LBA stage.
A DVC is issued when either (a) the client digitally accepts the invoice, or (b) the 30-day dispute window passes without a dispute being raised. After that point, raising a dispute becomes much harder evidentially — but the DVC doesn't prevent the underlying contractual dispute from being argued; it simply documents what happened during the dispute window.
The SBC accepts evidence in the form of timestamped contemporaneous records of debt and dispute history. The DVC is built to that standard.
WeorcOS sits alongside FreeAgent, Sage, Xero, and QuickBooks. You can keep raising invoices in your accounting software and use WeorcOS to add the protection layer (acceptance workflow + DVC) on top.
Trademark protection for WeorcOS marks is in progress (UK00004307271, UK00004315729). Filing for 'Debt Verification Certificate' as a UK word mark is under consideration.