Case dossier

Case 00027

Benjamin Ellis / Hyundai Tucson / matures 03 Apr 2026
Return to queue
Baseline Route
Trade Sale Disposal
Lead Route
Re Lease
Selected Route
Re Lease
Release Call
Approval required / Policy review route requires validator release
Policy review route requires validator release
Expected Delta
£2,184
Publication
1 source inputs need review before actioning.
30 Mar, 23:44
Amelia ClarkePortfolio Manager / In Review / Not Required
Approval Required / Validator approval is required before execution.
Commercial Context
Contract, treatment, and asset posture
Contract type
PCP
Remaining term
1 months
Monthly payment
£319
Settlement balance
£12,210
Cash release estimate
-£1,014
Balloon amount
£13,378
Payment behaviour
Watch
Treatment posture
Standard
Hardship status
None
Mileage actual / expected
59,168 / 51,000
Condition
Fair
Market value
£11,196
Booked residual
£18,581
Current channel
Trade Sale
Vehicle segment
SUV
VT posture
Eligible / Guarded
Last inspection
19 Feb 2026
Valuation source
Market Signal Feed / 17 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 watch 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
Validator
RouteStatusRelease GateDeltaValueRationaleConstraint
Re-LeaseLead / Selected / RecommendedApproval required / Validator£2,184£11,035
Re-lease holds the strongest retained-value position while mileage, vehicle age, and watch payment posture remain inside tolerance.
-
Extend 12 MonthsPermittedApproval required / Validator£1,677£10,527
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Extend 6 MonthsPermittedApproval required / Validator£1,580£10,430
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Trade SaleBaseline / Current PlanApproval required / Validator£0£8,850
Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route.
-
AuctionPermittedApproval required / Validator-£451£8,399
Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision.
-
Manual ReviewPermittedApproval required / Validator-£706£8,144
Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
-
Digital RetailBlockedNo approval gate£812£9,662
Blocked by policy: Retail mileage overrun ceiling.
Blocked by Retail mileage overrun ceiling.
Governance, Evidence, and Notes
Release basis, publication, and operating trail
Release call
Approval required / Policy review route requires validator release
Approval basis
Policy review route requires validator release
Required approver
Validator
Blocked checks
Negative equity escalation trigger
Timeline coverage
5 timeline records / 0 notes
Publication context
Published 30 Mar, 23:44 / effective 30 Mar, 23:44 / 1 source inputs need review before actioning.
Timeline and notes
Recommendation accepted
30 Mar, 23:44
Amelia Clarke / Portfolio Manager
Recommended path selected
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
01 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
01 Jan, 09:00
Sophie Bennett / Portfolio Manager
Maturity horizon entry