Case dossier
Case 00041
Mia Watson / Kia Sportage / matures 29 Mar 2026
Baseline Route
Trade Sale Disposal
Lead Route
Extend 6 Months
Selected Route
Extend 6 Months
Release Call
Release clear / No second-line release required.
No second-line release required.
Expected Delta
£3,028
Publication
1 source inputs need review before actioning.
30 Mar, 23:44
Amelia ClarkePortfolio Manager / Overridden / Not Required
Release Clear / The selected route can move to execution.
Commercial Context
Contract, treatment, and asset posture
- Contract type
- PCP
- Remaining term
- 0 months
- Monthly payment
- £409
- Settlement balance
- £11,988
- Cash release estimate
- £5,520
- Balloon amount
- £12,105
- Payment behaviour
- Watch
- Treatment posture
- Standard
- Hardship status
- None
- Mileage actual / expected
- 34,732 / 30,360
- Condition
- Fair
- Market value
- £17,509
- Booked residual
- £16,813
- Current channel
- Trade Sale
- Vehicle segment
- SUV
- VT posture
- Eligible / Guarded
- Last inspection
- 04 Mar 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
- Payment arrears are raising servicing drag and treatment scrutiny.
- Primary blockers
- No policy, approval, or treatment blocker is constraining the lead route.
- Required release
- Not required
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Recommended | No approval gate | £3,028 | £19,176 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and watch payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | Approval required / Validator | £2,504 | £18,652 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Selected / Permitted | No approval gate | £2,276 | £18,425 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail | Permitted | No approval gate | £1,262 | £17,410 | Digital Retail Disposal is commercially credible for this suv case, but current Digital Retail headroom is binding and a lower-friction route can clear sooner. | - |
| Trade Sale | Baseline / Current Plan | No approval gate | £0 | £16,149 | 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 | -£679 | £15,469 | 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 | -£1,088 | £15,060 | 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
- No second-line release required.
- Required approver
- Not required
- Blocked checks
- None
- Timeline coverage
- 6 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
Override submitted
30 Mar, 23:44
George Patel / Portfolio Manager
Manager override
Alternate route selected
30 Mar, 23:44
George Patel / Portfolio Manager
Alternate route 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
George Patel / Portfolio Manager
Maturity horizon entry