Payment 32. If you hold a credit account with us, payment of invoices will be made in full to us without deductions or set-off in accordance with the payment terms notified by us to you. You guarantee your creditworthiness in placing an order. If after confirmation of the order by us, doubts arise as to your creditworthiness, then all payments will become due immediately unless adequate security can be offered by you. 33. Where you do not hold a credit account with us, payment of invoices will be made in full to us without deductions or set-off in cash/guaranteed cheque/credit or debit card when order is placed or on delivery. 34. We reserve the right to charge a credit card surcharge if you elect to pay us by credit card. 35. Payments by credit or debit card will be accepted where the card holder is present in person at our premises or where the card in question has been verified on our website or by telephone order. 36. Without prejudice to any other rights that we may have (including the right to suspend any further deliveries or installation), if you fail to pay the invoice price by the due date we may charge you interest on any overdue amount from the date of which payment was due to that on which it is made (whether before or after judgment) on a daily basis in accordance with the Late Payment of Commercial Debts (Interest) Act 1998 and reimburse to us all costs and expenses (including legal costs) incurred in the collection of any overdue amount. 37. In the event of a cheque not being cleared by our bank and being represented or returned to the drawer, we may charge a fee of £25 for each cheque so returned to cover bank charges and administration costs