Case dossier
Case 00068
Ruby Clarke / Audi A4 / matures 05 Jul 2026
Baseline Route
Trade Sale Disposal
Lead Route
Extend 12 Months
Selected Route
Extend 12 Months
Release Call
Approval required / 12-month extension elevated review / Customer-support treatment review / Policy review route requires validator release
12-month extension elevated review / Customer-support treatment review / Policy review route requires validator release
Expected Delta
£10,874
Publication
3 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
- HP
- Remaining term
- 4 months
- Monthly payment
- £1,465
- Settlement balance
- £14,789
- Cash release estimate
- -£3,425
- Balloon amount
- £0
- Payment behaviour
- Irregular
- Treatment posture
- Care Guided
- Hardship status
- Watchlist
- Mileage actual / expected
- 71,053 / 56,700
- Condition
- Poor
- Market value
- £11,365
- Booked residual
- £20,819
- Current channel
- Trade Sale
- Vehicle segment
- Premium
- VT posture
- Not eligible / Elevated
- Last inspection
- 17 Feb 2026
- Valuation source
- Residual Watch / 18 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
- Irregular payment review trigger / Auction fallback threshold / Residual pressure is compressing uplift on disposal and extension routes.
- Primary blockers
- Irregular payment review trigger / Auction fallback threshold / 12-month extension age ceiling / Residual tolerance for PCP extension
- Required release
- Validator
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Extend 12 Months | Lead / Selected / Recommended | Approval required / Validator | £10,874 | £18,714 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Re-Lease | Permitted | Approval required / Validator | £7,815 | £15,655 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £7,103 | £14,942 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale | Baseline / Current Plan | Approval required / Validator | £0 | £7,840 | 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 | -£425 | £7,415 | 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 | -£662 | £7,178 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Digital Retail | Blocked | Approval required / Validator | £760 | £8,600 | 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 / 12-month extension elevated review / Customer-support treatment review / Policy review route requires validator release
- Approval basis
- 12-month extension elevated review / Customer-support treatment review / Policy review route requires validator release
- Required approver
- Validator
- Blocked checks
- Irregular payment review trigger
- Timeline coverage
- 5 timeline records / 0 notes
- Publication context
- Published 30 Mar, 23:44 / effective 30 Mar, 23:44 / 3 source inputs need review before actioning.
Timeline and notes
Recommendation accepted
30 Mar, 23:44
Sophie Bennett / 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
07 Mar, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
07 Mar, 09:00
George Patel / Portfolio Manager
Maturity horizon entry