Case dossier

Case 00091

Jack Mason / Tesla Model 3 / matures 28 Apr 2026
Return to queue
Baseline Route
Auction 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
£3,972
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
PCP
Remaining term
1 months
Monthly payment
£475
Settlement balance
£13,608
Cash release estimate
£4,875
Balloon amount
£14,774
Payment behaviour
Irregular
Treatment posture
Standard
Hardship status
None
Mileage actual / expected
38,793 / 37,800
Condition
Good
Market value
£18,484
Booked residual
£20,520
Current channel
Auction
Vehicle segment
EV
VT posture
Not eligible / Elevated
Last inspection
24 Feb 2026
Valuation source
Residual Watch / 15 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 / Payment arrears are raising servicing drag and treatment scrutiny.
Primary blockers
Irregular payment review trigger / Policy review route requires validator release
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Re-LeaseLead / RecommendedApproval required / Validator£3,972£19,809
Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance.
-
Extend 12 MonthsPermittedApproval required / Validator£3,435£19,271
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Extend 6 MonthsPermittedApproval required / Validator£3,120£18,957
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Trade SalePermittedApproval required / Validator£706£16,542
Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route.
-
AuctionBaseline / Current PlanApproval required / Validator£0£15,837
Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision.
-
Manual ReviewPermittedApproval required / Validator-£426£15,410
Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
-
Digital RetailBlockedNo approval gate£2,019£17,856
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
Release clear / No second-line release required.
Approval basis
Policy review route requires validator release
Required approver
Not required
Blocked checks
Irregular payment review trigger
Timeline coverage
5 timeline records / 1 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
Internal note added
27 Mar, 02:25
Amelia Clarke / Portfolio Manager
Channel assignment held pending fresh capacity check.
Recommendation refreshed
01 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
01 Jan, 09:00
Amelia Clarke / Portfolio Manager
Maturity horizon entry