LN-10042 ยท Equipment finance

Northstar Fabrication Ltd

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arrearshighHuman review open

Northstar Fabrication Ltd

Human review of hardship cues from AI call

our loan2 missed paymentsAI call complete

Principal balance

$184,500

Arrears amount

$12,240

Days past due

18

Due date

12 June 2026

Arrears workflow

A minimal CRM timeline from first miss to human decision.

  1. Day 1completed

    Payment missed notification

    SMS + app push

    Friendly reminder with secure pay-now link and support options.

    Outcome: No response within 24 hours.
  2. Day 6completed

    Formal arrears notice sent

    Email + post

    Notice includes overdue balance, support channels, and next steps.

    Outcome: Email delivered. Postal fallback queued.
  3. Day 10completed

    AI affordability call completed

    Vapi.ai voice

    Agent confirmed identity, asked about intent to pay, and screened for hardship signals.

    Outcome: Borrower reports delayed receivable and requests flexibility.
  4. 18
    Day 18activeHuman-in-loop

    Human-in-the-loop review

    Case manager

    Review hardship cues, affordability, vulnerability indicators, and compliance constraints.

    Outcome: Specialist decision required before stronger collections action.
  5. 22
    Day 22scheduledHuman-in-loop

    Negotiate sustainable arrangement

    Outbound call

    Offer payment plan based on cash-flow timing and affordability.

    Outcome: Not started.

Borrower details

Email

accounts@northstar-fab.example

Phone

+61 402 100 421

Assigned to

Mia Robertson

Last updated

30 June, 09:20 am