James Whitman
PFNA-2025-1042 · Lease · 2024 Porsche Cayenne S · US
Arrears
$2,451.40
Days past due
47
Mid stage
Next due
15 May
$1,017.00
Outstanding
$60,991.00
Payoff $60,991.00
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
James is 47d past due with arrears of $2,451.40 on a lease for a 2024 Porsche Cayenne. A promise of $1,200.00 for 2026-04-18 broke — payment did not arrive.
Repayment trajectory
12 months back · 14 days forward
On-time 67% · 2 late · 1 missed · streak 0 mo
Past 12 months67% on time
- May
- Jun
- Jul
- Aug
- Sept
- Oct
- Nov
- Dec
- Jan
- Feb
- Mar
- Apr
Now
.
Next 14 days95% to late
Today
+14d
On timeLateMissedPredicted: Late · 95%
If we act now — predicted outcome
- No action95%
- Soft touch (SMS / email reminder)77%-18pp
- Full treatment (NBA + payment plan offer)61%-34pp
Top contributing factors
- DPD trajectory · 47d+0.31
- Broken promise · last 30d+0.22
- Asset value vs payoff (LTV)+0.14
Vulnerability detection
No elevated signals
- Distress markers in last call32%
- Repeated hardship-page views without applying33%
- Late-night inbound contact attempts14%
- Bureau resilience score declining36%
Ability × Willingness
Recovery · 25% / 38%
HardshipSelf-cureRecoveryEngagement
← low willingnesshigh →
ability →
Ability to pay
capacity
25%
Willingness to pay
propensity
38%
QuadrantRecovery
Recovery candidate · low ability and low willingness. Prepare repo / legal pathway with full evidence pack and supervisor review.
Last interaction · 3d ago
Customer disputed last promise — payment slipped due to bonus delay
Channel
phone
Talk ratio
38 / 62
Duration
2:14