Case dossier
Case 00012
Grace Graham / Nissan Qashqai / matures 19 Jul 2026
Baseline Route
Digital Retail Disposal
Lead Route
Re Lease
Selected Route
No route actioned
Release Call
Release clear / No second-line release required.
Policy review route requires validator release
Expected Delta
£1,180
Publication
All live source inputs are current.
30 Mar, 23:44
Amelia ClarkePortfolio Manager / Recommended / Not Required
Approval Required / Validator approval is required before execution.
Commercial Context
Contract, treatment, and asset posture
- Contract type
- PCP
- Remaining term
- 4 months
- Monthly payment
- £283
- Settlement balance
- £10,082
- Cash release estimate
- -£418
- Balloon amount
- £11,024
- Payment behaviour
- Clean
- Treatment posture
- Standard
- Hardship status
- None
- Mileage actual / expected
- 53,019 / 49,980
- Condition
- Fair
- Market value
- £9,664
- Booked residual
- £15,311
- Current channel
- Digital Retail
- Vehicle segment
- SUV
- VT posture
- Eligible / Guarded
- Last inspection
- 19 Feb 2026
- Valuation source
- Market Signal Feed / 16 Mar 2026
Route Comparison
Recommended route, challengers, and release posture
- Winning rationale
- Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance.
- Lead positive drivers
- Negative equity escalation trigger / Residual pressure is compressing uplift on disposal and extension routes.
- Primary blockers
- Negative equity escalation trigger / Policy review route requires validator release
- Required release
- Not required
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Recommended | Approval required / Validator | £1,180 | £9,771 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | Approval required / Validator | £687 | £9,277 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £635 | £9,225 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail | Baseline / Current Plan | Approval required / Validator | £0 | £8,591 | Digital retail is carrying the best net disposal value for this suv unit after timing, fees, and residual drag are applied. | - |
| Trade Sale | Permitted | Approval required / Validator | -£712 | £7,879 | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Auction | Permitted | Approval required / Validator | -£1,112 | £7,479 | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |
| Manual Review | Permitted | Approval required / Validator | -£1,332 | £7,258 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
Governance, Evidence, and Notes
Release basis, publication, and operating trail
- Release call
- Release clear / No second-line release required.
- Approval basis
- Policy review route requires validator release
- Required approver
- Not required
- Blocked checks
- Negative equity escalation trigger
- Timeline coverage
- 4 timeline records / 0 notes
- Publication context
- Published 30 Mar, 23:44 / effective 30 Mar, 23:44 / All live source inputs are current.
Timeline and notes
Decision inputs captured
30 Mar, 23:44
SYSTEM / Policy Owner
Decision inputs captured
Decision snapshot published
30 Mar, 23:44
SYSTEM / Policy Owner
Default seed generated
Recommendation refreshed
21 Mar, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
21 Mar, 09:00
Sophie Bennett / Portfolio Manager
Maturity horizon entry