Tobi Hardware Stores
Retail · INV-2026-04120
Streamed as it happens. Real timings are scaled down so the run is watchable.
- Debtor asked for a payment planPLAN_REQUESTEDcited
On 27 August 2026 over WhatsApp the debtor wrote: "Sales have been slow this quarter. I can pay part now and the rest across a few months if you can arrange it."
Debtor-initiated request for terms · traced to EV-8825-02
+14
- Propensity to settle unaidedPROPENSITY
Payment behaviour scores 82 of 100 on 4 settled invoices, with a median pay lag of 27 days after terms and a spread of 2 days.
Propensity to settle unaided, inverted into intervention pressure · traced to EV-8825-03
-16 - Every promise keptPROMISES_ALWAYS_KEPTcited
Both promises to pay recorded on this account were kept.
Promise-keeping record · traced to EV-8825-04
-12
- Past duePAST_DUE
Invoice INV-2026-04120 for ₦2,450,000.00 fell due on 5 July 2026, 58 days ago.
Invoice ageing: 31-60 days · traced to EV-8825-01
+16 - Contact headroom remainsCONTACT_HEADROOM
2 of the permitted 7 contact attempts in the trailing seven days have been used.
Contact frequency governance · traced to EV-8825-06
+0
Payment plan offer — INV-2026-04120
Thank you for coming back to us about INV-2026-04120. We can spread the remaining ₦2,450,000.00 over 6 monthly instalments with ₦490,000.00 to start. That keeps the account in good standing and your orders open. Reply YES and we will send the schedule and the payment link.
₦490,000.00 on acceptance, then ₦326,666.66 on 01 Oct 2026, ₦326,666.66 on 31 Oct 2026, ₦326,666.66 on 30 Nov 2026, ₦326,666.66 on 30 Dec 2026, ₦326,666.66 on 29 Jan 2027, ₦326,666.70 on 28 Feb 2027. Total ₦2,450,000.00, within your 6 instalments and 180 days plan limits.
- EV-8825-02 — Inbound WhatsApp message · Setliva msg_TB-3390
- EV-8825-03 — Payment history, 24 months · Zoho Books cust_TB-3390
- EV-8825-04 — Promises to pay · Setliva ptp_TB-3390
Every assertion in this artifact resolves to a record on the case. Nothing withheld.
digest b40f419ed41646d5 · the same case always produces this digest
- InvoiceEV-8825-01Zoho Books · INV-2026-04120 · captured 05 Jun 2026
- amount_minor
- 245000000
- currency
- NGN
- terms
- Net 30
- Inbound WhatsApp messageEV-8825-02Setliva · msg_TB-3390 · captured 27 Aug 2026
- inbound_message
- Sales have been slow this quarter. I can pay part now and the rest acr…
- channel
- responded_within_hours
- 2
- Payment history, 24 monthsEV-8825-03Zoho Books · cust_TB-3390 · captured 01 Sept 2026
- rows
- 2026-05-05|2026-06-01|198000000;2026-04-05|2026-04-29|221000000;2026-0…
- invoices_paid
- 18
- invoices_written_off
- 0
- partial_payments
- 5
- Promises to payEV-8825-04Setliva · ptp_TB-3390 · captured 01 Sept 2026
- promises_made
- 2
- promises_kept
- 2
- promises_broken
- 0
- last_promise_at
- 2026-05-30T00:00:00Z
- last_promise_outcome
- kept
- Channel consentEV-8825-05Setliva · consent_TB-3390 · captured 17 Feb 2025
- true
- voice
- true
- sms
- true
- method
- in_app_opt_in
- Contact attempts, trailing 7 daysEV-8825-06Setliva · log_TB-3390 · captured 01 Sept 2026
- attempts_last_7_days
- 2
- last_contact_at
- 2026-08-27T09:00:00Z
- last_channel
- responded
- true
- Account profileEV-8825-07Salesforce · acct_TB-3390 · captured 01 Sept 2026
- lifetime_value_minor
- 4100000000
- relationship_months
- 31
- open_orders
- 2
- timezone
- Africa/Lagos
| Base rate Starting position before any account evidence. | +50 |
| Median pay lag Settles a median 27 days after terms. | +4 |
| Consistency Pay timing varies by only 2 days across invoices. | +10 |
| Promise keeping 2 of 2 promises to pay were kept. | +10 |
| Responsiveness The most recent contact attempt was answered. | +8 |
Days-past-due is deliberately not an input. Lateness is a property of the invoice; this is a property of the payer.
- case.evaluated08:57:005 signals extracted; digest b40f419ed41646d5698625fdadbe188736a9cd0d…
- decision.scored08:57:01score 52 gives offer_plan430ec6288b89df7b50fc7154…