Reserve u/m£4.24M▲ 2.1%

Paid MTD£612.4k▲ 8.3%

Recovered MTD£548.9k▲ 5.0%

Outstanding£1.86M▼ 1.2%

Recovery rate94.2%▲ 0.6pt

Avg cycle62d▲ 4d

Aged >90d£214k▼ £12k

Open claims184▲ 6

Finance

Reserves · payments · recoveries · debtor ledger — live position

Reserve u/mLive

£4.24M

▲ 2.1%vs last month

Paid MTDCash out

£612.4k

▲ 8.3%142 settlements

Recovered MTDCash in

£548.9k

▲ 5.0%21 settled

Outstanding debtorsOwed

£1.86M

▼ 1.2%126 claims

Recovery rate

94.2%

▲ 0.6ptrolling 90d

Financial position

Total exposure £12.6M

£12.6Mexposure

Paid out£3.10M

Recovered£2.90M

In progress£2.38M

Reserved£4.24M

Cash movement — last 8 weeks

£ thousands

Recent transactions

Full ledger →

Recovery received — Aviva TP/88213CLM-2026-04871 · Okafor

+£14,250

Hire invoice raised — EnterpriseCLM-2026-04837 · Morgan

−£3,528

Reserve increased — personal injuryCLM-2026-04863 · Dunne

£5,000

Settlement paid — R. PatelCLM-2026-04858 · Patel

−£8,940

Recovery received — AdmiralCLM-2026-04863 · Dunne

+£18,640

Engineer's fee — HexagonCLM-2026-04841 · Chen

−£185

Recovery received — Direct LineCLM-2026-04858 · Patel

+£16,900

Storage & recovery — CopartCLM-2026-04815 · Bell

−£620

Settlement paid — L. MorganCLM-2026-04837 · Morgan

−£9,240

Excess refunded to clientCLM-2026-04871 · Okafor

−£250

SLA & escalations

3 breached

Litigation deadline — IdrisCLM-2026-04820 · Aviva · £42,300

−6d

Pre-action response — DunneCLM-2026-04863 · Admiral · £31,120

Recovery follow-up — WhitfieldCLM-2026-04788 · Hastings · £11,240

−12d

Document chase — OkaforCLM-2026-04871 · Aviva · £23,648

Client & disbursement ledger

Double-entry · July 2026 · running balance

Date	Ref	Claim	Description	Type	Debit	Credit	Balance
01 Jul	Opening balance carried forward				—	—	£186,420
02 Jul	RCV-88213	CLM-04871	Recovery received — Aviva TP/88213	Recovery	—	14,250	£200,670
02 Jul	INV-3528	CLM-04837	Hire invoice raised — Enterprise	Hire	3,528	—	£197,142
03 Jul	RES-1190	CLM-04863	Reserve increased — personal injury	Reserve	5,000	—	£192,142
03 Jul	PAY-7741	CLM-04858	Settlement paid — client (Patel)	Payment	8,940	—	£183,202
04 Jul	FEE-2210	CLM-04841	Engineer's fee — Hexagon	Fee	185	—	£183,017
04 Jul	RCV-88240	CLM-04820	Recovery received — Aviva TP (Idris)	Recovery	—	22,180	£205,197
07 Jul	STG-0620	CLM-04815	Storage & recovery — Copart	Fee	620	—	£204,577
08 Jul	RCV-77410	CLM-04863	Recovery received — Admiral	Recovery	—	18,640	£223,217
09 Jul	PAY-7752	CLM-04871	Excess refunded to client (Okafor)	Payment	250	—	£222,967
10 Jul	INV-3560	CLM-04802	Hire invoice raised — Enterprise (Novak)	Hire	4,116	—	£218,851
11 Jul	RCV-88301	CLM-04858	Recovery received — Direct Line	Recovery	—	16,900	£235,751
14 Jul	PAY-7760	CLM-04837	Settlement paid — client (Morgan)	Payment	9,240	—	£226,511
15 Jul	RES-1204	CLM-04820	Reserve increased — legal costs (Idris)	Reserve	5,000	—	£221,511
16 Jul	FEE-2245	CLM-04871	Medical report fee — MedCo	Fee	420	—	£221,091
18 Jul	RCV-88355	CLM-04841	Recovery received — AXA (Chen)	Recovery	—	14,760	£235,851
21 Jul	PAY-7778	CLM-04815	Settlement paid — client (Bell)	Payment	7,110	—	£228,741
25 Jul	Closing balance				44,409	86,730	£228,741

Outbound payments

Client settlements · hire · fees · storage

Date	Payee	Claim	Category	Amount	Status
24 Jul	R. Patel	CLM-04858	Client settlement	£18,900	Scheduled
23 Jul	Enterprise Rent-A-Car	CLM-04837	Credit hire	£3,528	Paid
23 Jul	Hexagon Engineering	CLM-04841	Engineer fee	£185	Paid
22 Jul	Copart UK Storage	CLM-04815	Recovery & storage	£620	Paid
22 Jul	L. Morgan	CLM-04837	Client settlement	£9,240	Paid
21 Jul	MedCo Reporting	CLM-04871	Medical report	£420	Pending
21 Jul	Anderson & Rowe LLP	CLM-04820	Legal costs	£6,480	Scheduled
18 Jul	S. Bell	CLM-04815	Client settlement	£7,110	Paid
17 Jul	Enterprise Rent-A-Car	CLM-04802	Credit hire	£4,116	Pending

Paid MTD

£612,400

Scheduled

£34,290

Pending

£8,620

Payment runs

Payment run — due this week

4 items

R. Patel — settlementCLM-04858 · due 26 Jul

£18,900

Anderson & Rowe — legal costsCLM-04820 · due 27 Jul

£6,480

Enterprise — credit hireCLM-04802 · due 28 Jul

£4,116

MedCo — medical reportCLM-04871 · due 28 Jul

£420

Run total

£29,916

Approvals needed

Recovery pipeline

Subrogated recoveries from third-party insurers · the debtor book

£548.9k settled MTD

Pack sent

£820k

12 claims

Awaiting response

£540k

9 claims

Negotiation

£310k

6 claims

Part-paid

£180k

4 claims

Settled MTD

£549k

21 claims

Recovery ledger by insurer

Outstanding debtor book · £1.44M tracked

Insurer	Outstanding	Claims	Settle rate	Avg days
Aviva	£412,000	34	92%	58d
Admiral	£288,000	26	90%	64d
Direct Line	£236,000	21	95%	51d
AXA	£198,000	18	88%	71d
LV=	£164,000	15	93%	55d
Hastings	£142,000	12	87%	74d
All insurers	£1,440,000	126	91% avg	62d

Reserve position

£4.24M under management across 184 open claims

Reserve movement — 6 months

Closing reserve u/m · £M

Opening (Feb)

£3.68M

Increases

+£0.74M

Releases

−£0.18M

Closing (Jul)

£4.24M

Reserve by head of loss

£4.24M total

Vehicle (total loss / repair)£1.90M

Personal injury£980k

Credit hire£860k

Legal costs£290k

Recovery & storage£210k

Largest reserves

Top claims

Claim	Client	Head of loss	Reserve	Age
CLM-04820	Idris	PI + legal	£42,300	128d
CLM-04863	Dunne	Personal injury	£31,120	52d
CLM-04871	Okafor	Vehicle + hire	£23,648	43d
CLM-04858	Patel	Vehicle	£18,900	9d
CLM-04841	Chen	Vehicle	£14,760	21d
CLM-04802	Novak	Credit hire	£12,480	2d
CLM-04837	Morgan	Vehicle	£9,240	14d
CLM-04815	Bell	Recovery & storage	£7,110	4d

Aged debt

Outstanding from third-party insurers · £1.86M total

Ageing profile

£1,858k outstanding

0–30 days £984k

31–60 days £412k

61–90 days £248k

90+ days £214k

Aged by insurer

£ thousands · 90+ tinted

Insurer	0–30	31–60	61–90	90+	Total
Aviva	£220k	£104k	£52k	£36k	£412k
Admiral	£150k	£74k	£40k	£24k	£288k
Direct Line	£150k	£50k	£24k	£12k	£236k
AXA	£96k	£54k	£28k	£20k	£198k
LV=	£104k	£34k	£16k	£10k	£164k
Hastings	£70k	£38k	£20k	£14k	£142k
Other insurers	£194k	£58k	£68k	£98k	£418k
Total	£984k	£412k	£248k	£214k	£1.86M

Oldest outstanding

4 breached

M. Idris — AvivaCLM-2026-04820 · Live Litigation

£42,300128d

J. Dunne — AdmiralCLM-2026-04863 · Pre-Litigation

£31,12052d

T. Whitfield — HastingsCLM-2026-04788 · Awaiting response

£11,24096d

K. Osei — AXACLM-2026-04795 · Negotiation

£8,66081d