Case dossier
Case 00086
Theo Murphy / Kia EV6 / matures 02 Jun 2026
Baseline Route
Auction Disposal
Lead Route
Re Lease
Selected Route
Re Lease
Release Call
Pending approval / Customer-support treatment review / Policy review route requires validator release
Customer-support treatment review / Policy review route requires validator release
Expected Delta
£3,412
Publication
2 source inputs need review before actioning.
30 Mar, 23:44
Amelia ClarkePortfolio Manager / Approval Required / Pending Approval
Approval Pending / Validator approval is required before execution.
Commercial Context
Contract, treatment, and asset posture
- Contract type
- PCP
- Remaining term
- 3 months
- Monthly payment
- £466
- Settlement balance
- £15,090
- Cash release estimate
- -£1,597
- Balloon amount
- £16,452
- Payment behaviour
- Irregular
- Treatment posture
- Care Guided
- Hardship status
- Watchlist
- Mileage actual / expected
- 38,618 / 45,920
- Condition
- Fair
- Market value
- £13,492
- Booked residual
- £22,850
- Current channel
- Auction
- Vehicle segment
- EV
- VT posture
- Not eligible / Elevated
- Last inspection
- 16 Feb 2026
- Valuation source
- Residual Watch / 14 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 irregular payment posture remain inside tolerance.
- Lead positive drivers
- Irregular payment review trigger / Negative equity escalation trigger / Mileage performance supports retained-value actions.
- Primary blockers
- Irregular payment review trigger / Negative equity escalation trigger / EV age review trigger / Customer-support treatment review
- Required release
- Validator
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Selected / Recommended | Approval required / Validator | £3,412 | £12,870 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | Approval required / Validator | £3,144 | £12,602 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £2,699 | £12,156 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale | Permitted | Approval required / Validator | £505 | £9,963 | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Auction | Baseline / Current Plan | Approval required / Validator | £0 | £9,457 | 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 | -£291 | £9,166 | 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 | £1,423 | £10,881 | Blocked by policy: Digital retail segment eligibility. | Blocked by Digital retail segment eligibility. |
Governance, Evidence, and Notes
Release basis, publication, and operating trail
- Release call
- Pending approval / Customer-support treatment review / Policy review route requires validator release
- Approval basis
- Customer-support treatment review / Policy review route requires validator release
- Required approver
- Validator
- Blocked checks
- Irregular payment review trigger
- Timeline coverage
- 6 timeline records / 0 notes
- Publication context
- Published 30 Mar, 23:44 / effective 30 Mar, 23:44 / 2 source inputs need review before actioning.
Timeline and notes
Approval requested
30 Mar, 23:44
Amelia Clarke / Portfolio Manager
Approval requested
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
02 Feb, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
02 Feb, 09:00
George Patel / Portfolio Manager
Maturity horizon entry