Case dossier

Case 00065

Jack Mason / BMW 320d / matures 28 May 2026
Return to queue
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
£1,692
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
2 months
Monthly payment
£408
Settlement balance
£14,722
Cash release estimate
-£1,571
Balloon amount
£16,103
Payment behaviour
Clean
Treatment posture
Standard
Hardship status
None
Mileage actual / expected
51,517 / 59,400
Condition
Fair
Market value
£13,151
Booked residual
£22,366
Current channel
Digital Retail
Vehicle segment
Premium
VT posture
Eligible / Elevated
Last inspection
17 Feb 2026
Valuation source
Residual Watch / 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 clean payment posture remain inside tolerance.
Lead positive drivers
Negative equity escalation trigger / Premium dealer-network age cap / Mileage performance supports retained-value actions.
Primary blockers
Negative equity escalation trigger / Premium dealer-network age cap / Policy review route requires validator release
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Re-LeaseLead / RecommendedApproval required / Validator£1,692£13,342
Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance.
-
Extend 12 MonthsPermittedApproval required / Validator£1,216£12,865
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Extend 6 MonthsPermittedApproval required / Validator£971£12,620
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Digital RetailBaseline / Current PlanApproval required / Validator£0£11,649
Digital Retail Disposal is commercially credible for this premium case, but current Digital Retail headroom is binding and a lower-friction route can clear sooner.
-
Trade SalePermittedApproval required / Validator-£970£10,679
Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route.
-
AuctionPermittedApproval required / Validator-£1,502£10,148
Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision.
-
Manual ReviewPermittedApproval required / Validator-£1,810£9,839
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
28 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
28 Jan, 09:00
George Patel / Portfolio Manager
Maturity horizon entry