Eleanor Brooks
PFNA-2025-0388 · Loan · 2023 Porsche Panamera GTS · UK
Arrears
£4,310.50
Days past due
62
Mid stage
Next due
15 May
£1,470.00
Outstanding
£88,200.00
Payoff £88,200.00
01
Pre-delinquency
Current, watching
02
Early-stage
1–30 DPD
03
Mid-stage
31–90 DPD
04
Late-stage
91+ DPD
05
Recovery
Post charge-off
06
Closure
Resolved
The story so far
Eleanor is 62d past due with arrears of £4,310.50 on a loan for a 2023 Porsche Panamera. Customer is flagged as vulnerable (health); automated treatment is paused per CONC 7.10.
Repayment trajectory
12 months back · 14 days forward
On-time 58% · 2 late · 2 missed · streak 0 mo
Past 12 months58% on time
- May
- Jun
- Jul
- Aug
- Sept
- Oct
- Nov
- Dec
- Jan
- Feb
- Mar
- Apr
Now
.
Next 14 days78% to late
Today
+14d
On timeLateMissedPredicted: Late · 78%
If we act now — predicted outcome
- No action78%
- Soft touch (SMS / email reminder)60%-18pp
- Full treatment (NBA + payment plan offer)44%-34pp
Top contributing factors
- DPD trajectory · 62d+0.31
- Asset value vs payoff (LTV)+0.14
- Channel responsiveness · soft+0.08
Vulnerability detection
Flagged · health
- Distress markers in last call78%
- Repeated hardship-page views without applying64%
- Late-night inbound contact attempts52%
- Bureau resilience score declining58%
Automated treatment paused · awaiting specialist review human-only
Ability × Willingness
Recovery · 4% / 53%
HardshipSelf-cureRecoveryEngagement
← low willingnesshigh →
ability →
Ability to pay
capacity
4%
Willingness to pay
propensity
53%
QuadrantRecovery
Recovery candidate · low ability and low willingness. Prepare repo / legal pathway with full evidence pack and supervisor review.
Last interaction · 7d ago
Customer agreed to pay arrears within 7 days
Channel
phone
Talk ratio
38 / 62
Duration
2:14