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Late Payment Interest: the site's own MCP server — calculator, enquiry (enquiry = a human...

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Status
Healthy
Last Tested
Transport
Streamable HTTP
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Available Tools

5 tools
calculateLate payment interest calculatorBInspect

Run the Late payment interest calculator calculator: Statutory interest rate (base rate plus 8%); Interest per day (£); Statutory interest to date (£); Fixed compensation, section 5A (£). Missing inputs fall back to their documented defaults.

ParametersJSON Schema
NameRequiredDescriptionDefault
daysNoDays the payment has been late
debtNoInvoice amount still unpaid
baseRateNoBank of England base rate
purchaserNoWho owes you the moneybusiness
extraCostsNoReasonable recovery costs above the fixed sum

TDQS

B3.3/5.0
Behavior3/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

With no annotations provided, the description carries the behavioral disclosure burden. It does disclose default-fallback behavior and the computed outputs, but it remains silent on side effects, auth requirements, or the exact return format. That is adequate for a calculator but not rich.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is compact and front-loaded with the core action, and every clause adds information (outputs, fallback behavior). It loses a point for the awkward 'calculator calculator' repetition and the dense run-on structure.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness3/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given no annotations or output schema, the output list and fallback note are helpful, but the description does not explain how purchaser affects the fixed compensation or what the returned object looks like. It is functional but leaves some context to inference.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 100%, so the baseline is 3. The description adds value by stating that the statutory interest rate is base rate plus 8% and by naming the computed output fields, which clarifies how parameters such as baseRate feed into results.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description states a specific action ('Run the ... calculator') and enumerates the outputs (statutory interest rate, interest per day, etc.), so an agent can tell what the tool computes. However, it does not distinguish itself from siblings like calculator_describe, and the duplicated 'calculator calculator' wording is slightly sloppy.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines2/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

There is no guidance on when to choose this tool over the sibling tools, nor any stated prerequisites or exclusion criteria. The only operational hint is that missing inputs fall back to defaults, which is a behavior note, not a usage policy.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

calculator_describeWhat Late payment interest calculator computesAInspect

The inputs this calculator takes (with units, ranges and defaults), the outputs it returns, and the assumptions and tables behind it.

ParametersJSON Schema
NameRequiredDescriptionDefault

No parameters

TDQS

A3.5/5.0
Behavior3/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

With no annotations, the description carries the burden. It discloses what content the tool provides (inputs, outputs, assumptions, tables), which is useful, but it does not describe any operational behavior, safety profile, or what format the returned information takes.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is a single, information-dense sentence with no filler. It is efficiently structured and front-loads the core content categories without redundancy.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a no-parameter informational tool, the description covers the essential content an agent needs to know before calling it. It lacks an explicit statement of output format or the alternative 'calculate' tool, but it is otherwise complete for its low complexity.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The tool has zero parameters, so baseline for this dimension is 4. The description mentions calculator inputs with units, ranges, and defaults, but these are domain details of the calculator being described, not parameters of this tool, so no additional param semantics are needed.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose4/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly identifies the tool as providing information about the calculator: the inputs it takes, outputs it returns, and underlying assumptions/tables. It is implicitly distinguished from the sibling 'calculate' tool, though it lacks an explicit verb like 'describes' in the description itself.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines2/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

No guidance is given about when to use this tool versus its siblings, particularly 'calculate'. The description implies this is for learning about the calculator rather than performing calculations, but it never states this explicitly or names alternatives.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

enquiry_describeWhat you get: an ENQUIRY with a human (not a purchase, not a guaranteed quote)AInspect

Read first. States plainly what submit_enquiry does on Late Payment Interest: it starts an enquiry with human providers who quote directly. Nothing is bought, ordered or paid; no quote is guaranteed; it is free. Also returns who receives the details, the consent wording, and how the person confirms.

ParametersJSON Schema
NameRequiredDescriptionDefault

No parameters

TDQS

A4.1/5.0
Behavior4/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

No annotations are provided, so the description carries the full behavioral burden. It discloses what happens (starts an enquiry with human providers who quote directly), what does not happen (nothing bought, ordered, paid; no quote guaranteed; free), and what is returned (who receives details, consent wording, confirmation mechanism). This is substantive behavioral disclosure for a read/describe tool.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness4/5

Is the description appropriately sized, front-loaded, and free of redundancy?

'Read first' is front-loaded as an immediate directive, and every sentence earns its place by clarifying scope, exclusions, and return content. It is dense but not bloated; only slightly redundant with the title's 'not a purchase' phrasing, which prevents a 5.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a zero-parameter describe tool with no output schema, the description is complete: it explains the tool's purpose, what it does not do, and what information it returns. No additional detail an agent needs to use it correctly is missing.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The tool has 0 parameters, so the schema describes nothing and the description is not required to document params. Per the rubric, 0 params earns a baseline of 4 — there is nothing more the description could add here.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

States a specific verb+resource ('states plainly what submit_enquiry does') and the subject (Late Payment Interest enquiries with human providers). The title reinforces the purpose by listing what you get. It clearly differentiates from siblings like calculate and submit_enquiry — an agent knows this is the explanatory/metadata tool, not the action tool.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines3/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

'Read first' is an explicit directive implying it should be consulted before invoking submit_enquiry, and the exclusion 'not a purchase, not a guaranteed quote' clarifies what it is not. However, it does not name alternative tools to route between or specify when NOT to use it beyond those negations, leaving some usage context implicit.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

enquiry_fieldsThe questions the enquiry asksAInspect

Every field of the Late Payment Interest enquiry: key, label, type, whether required, help text and the allowed options where there are any. Pass answers to submit_enquiry keyed by field key.

ParametersJSON Schema
NameRequiredDescriptionDefault

No parameters

TDQS

A4.2/5.0
Behavior3/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

With no annotations, the description carries the full burden. It discloses the content of the response (key, label, type, etc.) but does not explicitly state it is a read-only operation, mention error conditions, or describe the exact return format. While the read-only nature is obvious, the lack of explicit behavioral context warrants a moderate score.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is two sentences with no wasted words. The primary purpose is front-loaded, and the usage hint is appended concisely. Every sentence adds value, making it efficient and well-structured.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness4/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Given the tool's simplicity (no parameters, no output schema), the description adequately covers what is returned and how to use it. However, it does not specify the exact data structure (e.g., array of objects) or any edge-case behavior, leaving minor gaps that an agent might need to infer. This is slightly below fully complete.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters4/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

The tool has zero parameters, and the schema confirms this. Since there are no parameters to describe, the baseline of 4 applies. The description does not need to add parameter semantics, and it does not.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description clearly states the tool returns 'Every field of the Late Payment Interest enquiry' and enumerates the attributes (key, label, type, required, help text, options). It is specific about the resource and content, and its relationship to submit_enquiry distinguishes it from sibling tools like enquiry_describe.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description implicitly guides usage by saying 'Pass answers to submit_enquiry keyed by field key', indicating that this tool is a prerequisite for submitting answers. However, it does not explicitly compare with alternatives like enquiry_describe or state when not to use it, so it lacks explicit exclusions.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

submit_enquirySubmit an ENQUIRY to human providers (two steps; not a purchase)AInspect

Submits an enquiry to Late Payment Interest — NOT a purchase, NOT a guaranteed quote. Step 1: call with the answers (keyed by field key from enquiry_fields) and consent=true; it validates and returns a summary, the consent line and a confirmation token — show the person the summary and the consent line. Step 2: only if the person agrees, call again with the same answers, consent=true and the confirmation token; the enquiry is then submitted, and the person receives an email with a link they must click before any provider sees it. Consent means the person has read and agreed to: "Happy for my details to go to a relevant debt recovery specialist or solicitor, who'll contact me directly."

ParametersJSON Schema
NameRequiredDescriptionDefault
answersYesthe person's answers, keyed by field key
consentYestrue only when the person has agreed to: Happy for my details to go to a relevant debt recovery specialist or solicitor, who'll contact me directly.
confirmationNothe confirmation token from step 1, after the person has approved the summary

TDQS

A4.8/5.0
Behavior5/5

Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

With no annotations provided, the description carries the full behavioral burden and does so thoroughly. It discloses the two-step validation flow, the consent requirement, the email link click-before-visible behavior, and the fact that no provider sees the enquiry until the person acts.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Conciseness5/5

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is dense but every sentence earns its place: the non-purchase warning is front-loaded, and the step-by-step procedure is necessary given the tool's complexity. No redundant filler is present.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Completeness5/5

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

Despite the absence of an output schema, the description explains exactly what each step returns (summary, consent line, confirmation token) and what triggers final submission and email notification. The tool's complexity is fully addressed, including the human consent and email-click prerequisites.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Parameters5/5

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Although the schema covers parameter descriptions at 100%, the description adds crucial workflow semantics: answers are keyed by field key from enquiry_fields, the confirmation token comes from step 1, and consent must remain true in both calls. This is meaningfully more than the schema alone provides.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Purpose5/5

Does the description clearly state what the tool does and how it differs from similar tools?

The description states a specific verb and resource ('Submits an enquiry to Late Payment Interest') and explicitly contrasts itself with 'a purchase' and 'a guaranteed quote', making the tool's precise role unmistakable. The two-step nature is also clearly signaled.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Usage Guidelines4/5

Does the description explain when to use this tool, when not to, or what alternatives exist?

The description gives concrete procedural guidance: call first with answers and consent=true, show the summary, and call again only after agreement with the confirmation token. It also conveys when not to use the tool ('NOT a purchase, NOT a guaranteed quote'), though it does not explicitly name alternative tools.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.

Tool Schema Changelog

Recent tool additions, removals, and schema changes observed during successful MCP inspections. Dates show when Glama detected each change.

  1. 5 tool updates
    • First observedcalculate
    • First observedcalculator_describe
    • First observedenquiry_describe
    • First observedenquiry_fields
    • First observedsubmit_enquiry

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TDQS

A3.9/5.0
Disambiguation5/5

Each tool has a distinct role: calculate executes the calculator, calculator_describe documents it, enquiry_describe explains the enquiry process, enquiry_fields provides the schema, and submit_enquiry performs the submission. No two tools appear to do the same thing.

Naming Consistency2/5

Naming conventions are mixed: calculate and submit_enquiry are verb-led, while calculator_describe, enquiry_describe, and enquiry_fields are noun-led. The lack of a consistent verb_noun or noun_verb pattern makes the set feel uneven.

Tool Count5/5

Five tools is well-scoped for this small site: two support the calculator workflow and three support the enquiry workflow. Each tool has a clear purpose and none are redundant.

Completeness5/5

The calculator has run and documentation coverage, and the enquiry has explanation, field schema, and a validated two-step submission process. The core user journeys are fully supported with no obvious dead ends.

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