Rohan Mehta
PFNA-2025-0987 · Hire-purchase · 2023 Porsche 911 Carrera S · UK
Arrears
£8,120.50
Days past due
124
Late stage
Next due
15 May
£1,541.00
Outstanding
£92,430.00
Payoff £92,430.00
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
Rohan is 124d past due with arrears of £8,120.50 on a hire-purchase for a 2023 Porsche 911. A promise of £2,000.00 for 2026-03-30 broke — payment did not arrive. Customer is flagged as vulnerable (life event); automated treatment is paused per CONC 7.10. Account is now in the late-stage bucket — the cure window is closing and legal pathway is in scope if no contact is made. Risk score is 91/100 — top quartile for migration risk.
Repayment trajectory
12 months back · 14 days forward
On-time 67% · 1 late · 2 missed · streak 0 mo
Past 12 months67% on time
- May
- Jun
- Jul
- Aug
- Sept
- Oct
- Nov
- Dec
- Jan
- Feb
- Mar
- Apr
Now
.
Next 14 days89% to recovery
Today
+14d
On timeLateMissedPredicted: Recovery · 89%
If we act now — predicted outcome
- No action89%
- Soft touch (SMS / email reminder)71%-18pp
- Full treatment (NBA + payment plan offer)55%-34pp
Top contributing factors
- DPD trajectory · 124d+0.31
- Broken promise · last 30d+0.22
- Asset value vs payoff (LTV)+0.14
Vulnerability detection
Flagged · life event
- 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 · 2% / 28%
HardshipSelf-cureRecoveryEngagement
← low willingnesshigh →
ability →
Ability to pay
capacity
2%
Willingness to pay
propensity
28%
QuadrantRecovery
Recovery candidate · low ability and low willingness. Prepare repo / legal pathway with full evidence pack and supervisor review.
Last interaction · 19d ago
Customer disputed last promise — payment slipped due to bonus delay
Channel
letter
Talk ratio
38 / 62
Duration
2:14