Case dossier

Case 00094

Ruby Clarke / Kia Sportage / matures 26 Jun 2026
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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
£3,798
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
3 months
Monthly payment
£571
Settlement balance
£14,141
Cash release estimate
-£2,228
Balloon amount
£0
Payment behaviour
Clean
Treatment posture
Standard
Hardship status
None
Mileage actual / expected
50,453 / 40,480
Condition
Poor
Market value
£11,913
Booked residual
£18,525
Current channel
Trade Sale
Vehicle segment
SUV
VT posture
Not eligible / Elevated
Last inspection
24 Feb 2026
Valuation source
Market Signal Feed / 17 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
Auction fallback threshold / 12-month extension age ceiling / Vehicle age remains within extension tolerance.
Primary blockers
Auction fallback threshold / 12-month extension age ceiling / Residual tolerance for PCP extension / Negative equity escalation trigger
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Extend 12 MonthsLead / RecommendedApproval required / Validator£3,798£13,568
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Re-LeasePermittedApproval required / Validator£3,470£13,240
Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance.
-
Extend 6 MonthsPermittedApproval required / Validator£2,861£12,631
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Trade SaleBaseline / Current PlanApproval required / Validator£0£9,770
Trade Sale Disposal is commercially credible for this suv case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner.
-
AuctionPermittedApproval required / Validator-£479£9,291
Auction Disposal is commercially credible for this suv case, but current Auction headroom is binding and a lower-friction route can clear sooner.
-
Manual ReviewPermittedApproval required / Validator-£752£9,017
Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
-
Digital RetailBlockedNo approval gate£867£10,636
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
Auction fallback threshold
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
26 Feb, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
26 Feb, 09:00
Amelia Clarke / Portfolio Manager
Maturity horizon entry