Case dossier

Case 00095

Thomas Foster / Volkswagen Golf / matures 26 Jun 2026
Return to queue
Baseline Route
Auction Disposal
Lead Route
Re Lease
Selected Route
Re Lease
Release Call
Pending approval / Policy review route requires validator release
Policy review route requires validator release
Expected Delta
£1,754
Publication
1 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
£253
Settlement balance
£7,230
Cash release estimate
-£1,147
Balloon amount
£7,849
Payment behaviour
Irregular
Treatment posture
Standard
Hardship status
None
Mileage actual / expected
58,101 / 55,100
Condition
Fair
Market value
£6,083
Booked residual
£10,902
Current channel
Auction
Vehicle segment
Hatchback
VT posture
Not eligible / Elevated
Last inspection
14 Feb 2026
Valuation source
Market Signal Feed / 16 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 / Residual pressure is compressing uplift on disposal and extension routes.
Primary blockers
Irregular payment review trigger / Negative equity escalation trigger / Policy review route requires validator release
Required release
Validator
RouteStatusRelease GateDeltaValueRationaleConstraint
Re-LeaseLead / Selected / RecommendedApproval required / Validator£1,754£5,462
Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance.
-
Extend 12 MonthsPermittedApproval required / Validator£1,425£5,132
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Extend 6 MonthsPermittedApproval required / Validator£1,328£5,036
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Digital RetailPermittedApproval required / Validator£651£4,359
Digital retail is carrying the best net disposal value for this hatchback unit after timing, fees, and residual drag are applied.
-
Trade SalePermittedApproval required / Validator£245£3,953
Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route.
-
Manual ReviewPermittedApproval required / Validator-£115£3,592
Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
-
AuctionBaseline / Current PlanApproval required / Validator£0£3,708
Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision.
-
Governance, Evidence, and Notes
Release basis, publication, and operating trail
Release call
Pending approval / Policy review route requires validator release
Approval basis
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 / 1 source inputs need review before actioning.
Timeline and notes
Approval requested
30 Mar, 23:44
Sophie Bennett / Portfolio Manager
Approval requested
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
26 Feb, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
26 Feb, 09:00
George Patel / Portfolio Manager
Maturity horizon entry