Case dossier
Case 00096
Ava Khan / Volkswagen Golf / matures 09 Apr 2026
Baseline Route
Auction Disposal
Lead Route
Manual Exception Review
Selected Route
Manual Exception Review
Release Call
Approval required / Manual-review release control
Manual-review release control
Expected Delta
-£93
Publication
2 source inputs need review before actioning.
30 Mar, 23:44
Amelia ClarkePortfolio Manager / Escalated / 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
- £292
- Settlement balance
- £7,124
- Cash release estimate
- -£1,041
- Balloon amount
- £7,686
- Payment behaviour
- Stressed
- Treatment posture
- Forbearance Review
- Hardship status
- Watchlist
- Mileage actual / expected
- 56,896 / 53,200
- Condition
- Fair
- Market value
- £6,083
- Booked residual
- £10,676
- Current channel
- Auction
- Vehicle segment
- Hatchback
- VT posture
- Not eligible / High
- Last inspection
- 16 Feb 2026
- Valuation source
- Market Signal Feed / 18 Mar 2026
Route Comparison
Recommended route, challengers, and release posture
- Winning rationale
- Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
- Lead positive drivers
- Residual pressure is compressing uplift on disposal and extension routes. / Payment arrears are raising servicing drag and treatment scrutiny.
- Primary blockers
- Manual-review release control
- Required release
- Validator
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Manual Review | Lead / Selected / Recommended | Approval required / Validator | -£93 | £2,798 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Re-Lease | Blocked | No approval gate | £1,913 | £4,805 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Extend 12 Months | Blocked | Approval required / Validator | £1,818 | £4,709 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Extend 6 Months | Blocked | No approval gate | £1,534 | £4,425 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Digital Retail | Blocked | No approval gate | £553 | £3,445 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Trade Sale | Blocked | No approval gate | £213 | £3,104 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Auction | Baseline / Current Plan | No approval gate | £0 | £2,891 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
Governance, Evidence, and Notes
Release basis, publication, and operating trail
- Release call
- Approval required / Manual-review release control
- Approval basis
- Manual-review release control
- Required approver
- Validator
- Blocked checks
- None
- Timeline coverage
- 5 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
Manual review requested
30 Mar, 23:44
George Patel / Portfolio Manager
Treatment or policy exception
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
01 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
01 Jan, 09:00
Sophie Bennett / Portfolio Manager
Maturity horizon entry