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Write-off recommendations

Accounts where treatment has been exhausted and recovery economics no longer justify continued pursuit.

WO-2026-04-001

Helen Park

PFNA-2025-3041 · US · recommended 2026-04-22

Outstanding
18,420
manager approval

Rationale

  • 180+ DPD with no contactable addressweight 40%
  • Asset disposition completed; deficiency unresolvedweight 30%
  • Two prior agency placements unproductiveweight 20%
  • Skip-trace yielded no live leads in 90dweight 10%

Prior treatments

Internal recoveryPhillips & CohenWilliams & Fudge
WO-2026-04-002

Putri Anggraini

PFID-2025-9912 · ID · recommended 2026-04-21

Outstanding
24,500,000
senior approval

Rationale

  • Court-order pathway exhaustedweight 45%
  • Asset value below outstanding by 38%weight 30%
  • Borrower untraceable for 60dweight 25%

Prior treatments

Internal recoveryKPKNL pathway
WO-2026-04-003

Aisha Bello

PFUK-2025-3389 · UK · recommended 2026-04-22

Outstanding
9,800
senior approval

Rationale

  • Vulnerable customer; aggressive recovery inappropriateweight 50%
  • Settlement at 40% offered and declined by borrower advocateweight 30%
  • Asset already returned; deficiency onlyweight 20%

Prior treatments

Internal recoveryStepChange referral