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Post-write-off recovery
Written-off accounts placed on contingency with external partners. Tracked separately from the live book.
Ability-to-pay watch
4 written-off customers showing renewed capacity
Continuous bureau and behavioural monitoring · only fair-treatment-eligible reactivations are surfaced.
- PFNA-2024-0420·Carter YatesNew employer wage signal detected (bureau)+36pp abilityReactivate
- PFNA-2024-0517·Renee CastellanosMortgage opened on new property — capacity returning+44pp abilityReactivate
- PFUK-2024-1102·Owen PritchardBureau utilisation dropped 22pp in 60d+40pp abilityReactivate
- PFTH-2024-2289·Tana NimitSettlement of other debt — willingness window opening+48pp abilityReactivate
Accounts
4
active contingency
Outstanding
$114k
across cohorts
Recovered to date
$18k
net of commission
Recovery rate
16%
contingency placements
| Account | Customer | Cohort | Vendor | Outstanding | Recovered | Written off |
|---|---|---|---|---|---|---|
| PFNA-2024-0420 | Carter Yates | 2025-Q4 unsecured | Williams & Fudge | $14,600 | $1,840 | 2025-11-12 |
| PFNA-2024-0517 | Renee Castellanos | 2025-Q3 unsecured | Phillips & Cohen | $11,200 | $4,200 | 2025-09-04 |
| PFUK-2024-1102 | Owen Pritchard | 2025-Q4 UK | Phillips & Cohen | $7,400 | $0 | 2025-12-01 |
| PFTH-2024-2289 | Tana Nimit | 2025-Q3 TH | Bangkok Recovery Co. | $81,200 | $12,400 | 2025-08-19 |