Hi,

I messed up here with the question, sorry all. I realise now the question makes no sense at all.

The criteria for the SUM part of the formula is not whether the actual payment due dates fall after the reminder dates but instead whether TODAY() is greater than the reminder dates set for each row.

This is why I thought this may be an array formula as each row needs to be checked against todays date and the reminder date and then sum those rows where Today() >= reminder date.