Case dossier
Case 00060
Theo Murphy / Audi A4 / matures 15 Jul 2026
Baseline Route
Trade Sale Disposal
Lead Route
Extend 12 Months
Selected Route
No route actioned
Release Call
Release clear / No second-line release required.
12-month extension elevated review / Policy review route requires validator release
Expected Delta
£5,044
Publication
1 source inputs need review before actioning.
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
- HP
- Remaining term
- 4 months
- Monthly payment
- £757
- Settlement balance
- £17,268
- Cash release estimate
- £1,726
- Balloon amount
- £0
- Payment behaviour
- Watch
- Treatment posture
- Standard
- Hardship status
- None
- Mileage actual / expected
- 51,784 / 44,100
- Condition
- Fair
- Market value
- £18,994
- Booked residual
- £19,889
- Current channel
- Trade Sale
- Vehicle segment
- Premium
- VT posture
- Not eligible / Guarded
- Last inspection
- 26 Feb 2026
- Valuation source
- Residual Watch / 19 Mar 2026
Route Comparison
Recommended route, challengers, and release posture
- Winning rationale
- 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
- Lead positive drivers
- Extension mileage ceiling / Vehicle age remains within extension tolerance. / Payment arrears are raising servicing drag and treatment scrutiny.
- Primary blockers
- Extension mileage ceiling / 12-month extension elevated review / Policy review route requires validator release
- Required release
- Not required
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Extend 12 Months | Lead / Recommended | Approval required / Validator | £5,044 | £22,489 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Re-Lease | Permitted | No approval gate | £4,723 | £22,168 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and watch payment posture remain inside tolerance. | - |
| Extend 6 Months | Permitted | No approval gate | £3,836 | £21,281 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale | Baseline / Current Plan | No approval gate | £0 | £17,446 | Trade Sale Disposal is commercially credible for this premium case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner. | - |
| Auction | Permitted | Approval required / Validator | -£732 | £16,713 | Auction Disposal is commercially credible for this premium case, but current Auction headroom is binding and a lower-friction route can clear sooner. | - |
| Manual Review | Permitted | Approval required / Validator | -£1,176 | £16,269 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Digital Retail | Blocked | No approval gate | £1,366 | £18,811 | 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
- Release clear / No second-line release required.
- Approval basis
- 12-month extension elevated review / Policy review route requires validator release
- Required approver
- Not required
- Blocked checks
- Extension mileage ceiling
- Timeline coverage
- 4 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
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
17 Mar, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
17 Mar, 09:00
Sophie Bennett / Portfolio Manager
Maturity horizon entry