Niran Phasuk
PFNA-2025-0834 · Hire-purchase · 2024 Porsche Taycan 4S · TH
Arrears
฿121,500.00
Days past due
38
Mid stage
Next due
15 May
฿80,000.00
Outstanding
฿4,800,000.00
Payoff ฿4,800,000.00
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
Niran is 38d past due with arrears of ฿121,500.00 on a hire-purchase for a 2024 Porsche Taycan.
Repayment trajectory
12 months back · 14 days forward
On-time 75% · 1 late · 1 missed · streak 0 mo
Past 12 months75% on time
- May
- Jun
- Jul
- Aug
- Sept
- Oct
- Nov
- Dec
- Jan
- Feb
- Mar
- Apr
Now
.
Next 14 days73% to late
Today
+14d
On timeLateMissedPredicted: Late · 73%
If we act now — predicted outcome
- No action73%
- Soft touch (SMS / email reminder)55%-18pp
- Full treatment (NBA + payment plan offer)39%-34pp
Top contributing factors
- DPD trajectory · 38d+0.31
- Asset value vs payoff (LTV)+0.14
- Channel responsiveness · soft+0.08
Vulnerability detection
No elevated signals
- Distress markers in last call34%
- Repeated hardship-page views without applying35%
- Late-night inbound contact attempts16%
- Bureau resilience score declining38%
Ability × Willingness
Hardship · 13% / 86%
HardshipSelf-cureRecoveryEngagement
← low willingnesshigh →
ability →
Ability to pay
capacity
13%
Willingness to pay
propensity
86%
QuadrantHardship
Hardship case · willing but constrained. Open hardship pathway, restructure or payment-holiday before harder action.
Last interaction · 4d ago
Customer agreed to pay arrears within 7 days
Channel
whatsapp
Talk ratio
38 / 62
Duration
2:14