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Collections
Application queue 38 open · 15 shown · oldest 11h9 referrals synthetic
| Application | Applicant | Product | Amount | Term | Score | Stressed | Route | Age | Underwriter |
|---|---|---|---|---|---|---|---|---|---|
| APP-77310 | Arjun Mehta | Personal loan | £48,000 | 60m | 712 | −£454 | Refer | 3h | You |
| APP-77309 | Chloe Dubois | Credit card | £4,500 | - | 781 | £2,380 | Approve | 3h | Auto |
| APP-77308 | Yusuf Demir | Mortgage | £286,000 | 25y | 744 | £1,640 | Refer | 4h | M. Adeyemi |
| APP-77307 | Bethan Llewellyn | Overdraft | £1,500 | - | 655 | £410 | Refer | 4h | You |
| APP-77306 | Kofi Mensah | Personal loan | £12,000 | 48m | 798 | £1,906 | Approve | 5h | Auto |
| APP-77305 | Niamh Doherty | Car finance | £18,400 | 48m | 702 | £712 | Refer | 5h | R. Morgan |
| APP-77304 | Lewis Mackintosh | Credit card | £8,000 | - | 588 | £96 | Decline | 6h | Auto |
| APP-77303 | Olivia Kowalczyk | Mortgage | £412,000 | 30y | 811 | £2,904 | Approve | 6h | M. Adeyemi |
| APP-77302 | Samuel Achebe | SME loan | £150,000 | 5y | - | DSCR 1.42 | Refer | 7h | SME desk |
| APP-77301 | Ruth Gallagher | Personal loan | £7,500 | 36m | 690 | £884 | Approve | 7h | Auto |
| APP-77300 | Ibrahim Saleh | Overdraft | £3,000 | - | 612 | £215 | Decline | 8h | Auto |
| APP-77299 | Eleanor Vance | Mortgage | £198,000 | 20y | 768 | £1,122 | Refer | 9h | M. Adeyemi |
| APP-77298 | Rhys Morgan | Credit card | £2,000 | - | 734 | £1,018 | Approve | 9h | Auto |
| APP-77297 | Leila Haddad | Personal loan | £25,000 | 60m | 726 | £1,302 | Refer | 10h | You |
| APP-77296 | Patrick Byrne | Car finance | £9,900 | 36m | 659 | £488 | Refer | 11h | R. Morgan |
Collections and forbearance 212 in arrears · 61 on plans3 need decisions
| Customer | Book | Arrears | Months | Treatment | Note | Next |
|---|---|---|---|---|---|---|
| Grace Oyelaran | Personal loan | £6,214 | 2 | Payment plan | Vulnerable · bereavement | 12 Nov |
| Henry Lindqvist | Credit card | £3,880 | 3 | Interest frozen | Income shock | 1 Nov |
| Fatima Rahman | Mortgage | £2,940 | 1 | Payment holiday 3m | Awaiting approval | Today |
| George Pemberton | Overdraft | £1,500 | 4 | Breathing Space | Debt advice · 60 days | 18 Nov |
| Amara Nwosu | Personal loan | £9,102 | 5 | Default notice | No contact 45 days | 20 Oct |
| Daniel Szabo | Mortgage | £4,410 | 2 | Term extension | Product switch first | 30 Oct |
| Isla McKenzie | Credit card | £812 | 1 | Reminder | Self-serve plan offered | 15 Oct |
| Kwame Asante | SME loan | £22,400 | 3 | Interest only 6m | Credit committee | 14 Oct |
| Mei Tan | Car finance | £1,240 | 2 | Payment plan | Plan kept 4 of 4 | 1 Nov |
| Noah Clarke | Credit card | £5,906 | 6 | Write-off review | Batch WO-1029 | Today |
| Priya Ramanathan | Overdraft | £640 | 2 | Fees refunded | Consumer Duty review | Done |
APP-77310 · Arjun Mehta personal loan £48,000 · 60 months · 9.4% APRScore 712 · cut-off 680
ScorecardPL-v12 · 9 characteristics
| Characteristic | Points | |
|---|---|---|
| Bureau score · Experian | +128 | |
| Time at address · 7y | +46 | |
| Employment · permanent 4y | +52 | |
| Card utilisation 18% | +38 | |
| Missed payments 24m · 0 | +60 | |
| Open Banking income verified | +58 | |
| Existing customer · 9y | +44 | |
| Loan to income 0.68 | −24 | |
| Gambling spend 3% of income | −18 |
Affordabilitymonthly · stressed at +3%
Policy rules1 fail · 1 refer
| Age 18–75 at term end | Pass |
| UK resident · EDGE ID High | Pass |
| Debt to income ≤ 45% | 41% |
| Surplus after stress ≥ £150 | −£454 |
| No CCJ or IVA in 6 years | Pass |
| Loan above £25k mandate | Refer |
| Gambling ≤ 5% of income | 3% |
| Purpose permitted | Pass |
| Income verified by Open Banking | Pass |
Decision referral · over mandateRefer
ApplicantArjun Mehta syntheticCustomer9 years · current + saverPurposeHome improvement · quote seenIncome£4,180 net · verifiedSurplus−£454 stressedJudeCounter-offer £30,000
Optionspick one
| Counter-offer £30,000 · 60m · surplus £158 | |
| Approve £48,000 · policy exception | |
| Decline · refer to debt advice |
Purpose: affordable amount under policy CR-4.2
Approversover £25,000
AA
Example userSenior underwriter
ReadyMA
Marcus AdeyemiCredit manager
WaitingOpen Banking12 months · 2 accounts
| Salary credits | 12 of 12 · NHS trust |
| Average balance | £2,140 |
| Returned direct debits | 0 |
| Gambling per month | £126 |
| Buy now pay later | 2 active · £340 |
Trail12 Oct
| 08:12 | Applied in app |
| 08:13 | Open Banking 12 months read |
| 08:14 | Scored 712 · referred |
| 11:20 | Jude proposed counter-offer |
Send counter-offerDecline
Tell Jude what you intend to do
JudeAI · Qwen 27B on Civo