Fenwick Marine Services
Marine · INV-2026-04366
Streamed as it happens. Real timings are scaled down so the run is watchable.
- Unapplied credit covers the balanceUNAPPLIED_CREDIT
Credit note CN-2026-00412 for £44,200.00 was issued on 2 July 2026 and has never been applied. Reason given: Duplicate billing of the June service visit.
Routed by a hard gate; excluded from the score · traced to EV-8827-02
+0 - Relationship guard appliesRELATIONSHIP_GUARD
Lifetime value of £780,000.00 across 38 months exceeds your £39,500.00 guard, and 1 order is currently open.
Lifetime value guard · traced to EV-8827-05
-8
- Past duePAST_DUE
Invoice INV-2026-04366 for £44,200.00 fell due on 28 July 2026, 35 days ago.
Invoice ageing: 31-60 days · traced to EV-8827-01
+16 - Propensity to settle unaidedPROPENSITYcited
Payment behaviour scores 81 of 100 on 2 settled invoices, with a median pay lag of 3 days after terms and a spread of 1 day.
Propensity to settle unaided, inverted into intervention pressure · traced to EV-8827-03
-15 - Contact headroom remainsCONTACT_HEADROOM
3 of the permitted 7 contact attempts in the trailing seven days have been used.
Contact frequency governance · traced to EV-8827-04
+0
- Credit note covers the balanceG-UNAPPLIED-CREDITdecided this case
An unapplied credit note covers this invoice in full. The balance is an accounting artefact, not a debt, and chasing it is a billing error made twice.
No action — INV-2026-04366
An unapplied credit note covers this invoice in full. The balance is an accounting artefact, not a debt, and chasing it is a billing error made twice.
- EV-8827-02 — Unapplied credit memo · Xero CN-2026-00412
- EV-8827-05 — Account profile · Salesforce acct_FM-8801
Every assertion in this artifact resolves to a record on the case. Nothing withheld.
digest 4350a96a288cfc93 · the same case always produces this digest
- InvoiceEV-8827-01Xero · INV-2026-04366 · captured 28 Jun 2026
- amount_minor
- 4420000
- currency
- GBP
- terms
- Net 30
- Unapplied credit memoEV-8827-02Xero · CN-2026-00412 · captured 02 Jul 2026
- amount_minor
- 4420000
- currency
- GBP
- status
- issued_unapplied
- reason
- Duplicate billing of the June service visit.
- issued_at
- 2026-07-02T00:00:00Z
- Payment history, 24 monthsEV-8827-03Xero · cust_FM-8801 · captured 01 Sept 2026
- rows
- 2026-05-28|2026-05-30|3910000;2026-04-28|2026-05-01|4020000
- invoices_paid
- 21
- invoices_written_off
- 0
- partial_payments
- 0
- Contact attempts, trailing 7 daysEV-8827-04Setliva · log_FM-8801 · captured 01 Sept 2026
- attempts_last_7_days
- 3
- last_contact_at
- 2026-08-31T08:15:00Z
- last_channel
- responded
- true
- Account profileEV-8827-05Salesforce · acct_FM-8801 · captured 01 Sept 2026
- lifetime_value_minor
- 78000000
- relationship_months
- 38
- open_orders
- 1
- timezone
- Europe/London
| Base rate Starting position before any account evidence. | +50 |
| Median pay lag Settles a median 3 days after terms. | +18 |
| Responsiveness The most recent contact attempt was answered. | +8 |
| Tenure 38 months of trading history. | +5 |
Days-past-due is deliberately not an input. Lateness is a property of the invoice; this is a property of the payer.
- case.evaluated08:58:305 signals extracted; digest 4350a96a288cfc934df0677ee71b0d93b135d624…
- decision.gated08:58:31G-UNAPPLIED-CREDIT fired, giving holdfee271440e2744df0912489f…