Case dossier
Case 00097
Daniel Roberts / Volkswagen Transporter / matures 02 Jun 2026
Baseline Route
Auction Disposal
Lead Route
Extend 12 Months
Selected Route
Extend 12 Months
Release Call
Pending approval / 12-month extension elevated review / Policy review route requires validator release
12-month extension elevated review / Policy review route requires validator release
Expected Delta
£9,971
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
- HP
- Remaining term
- 3 months
- Monthly payment
- £1,312
- Settlement balance
- £12,408
- Cash release estimate
- -£1,193
- Balloon amount
- £0
- Payment behaviour
- Irregular
- Treatment posture
- Standard
- Hardship status
- None
- Mileage actual / expected
- 105,939 / 87,000
- Condition
- Fair
- Market value
- £11,215
- Booked residual
- £17,337
- Current channel
- Auction
- Vehicle segment
- Van
- VT posture
- Not eligible / Elevated
- Last inspection
- 14 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
- Irregular payment review trigger / 12-month extension age ceiling / Residual pressure is compressing uplift on disposal and extension routes.
- Primary blockers
- Irregular payment review trigger / 12-month extension age ceiling / Residual tolerance for PCP extension / Negative equity escalation trigger
- Required release
- Validator
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Extend 12 Months | Lead / Selected / Recommended | Approval required / Validator | £9,971 | £17,974 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Re-Lease | Permitted | Approval required / Validator | £7,453 | £15,455 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £6,727 | £14,730 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale | Permitted | Approval required / Validator | £425 | £8,428 | Trade Sale Disposal is commercially credible for this van case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner. | - |
| Auction | Baseline / Current Plan | Approval required / Validator | £0 | £8,003 | Auction Disposal is commercially credible for this van case, but current Auction headroom is binding and a lower-friction route can clear sooner. | - |
| Manual Review | Permitted | Approval required / Validator | -£237 | £7,766 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Digital Retail | Blocked | No approval gate | £1,184 | £9,187 | 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 / 12-month extension elevated review / Policy review route requires validator release
- Approval basis
- 12-month extension elevated 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
Amelia Clarke / Portfolio Manager
Maturity horizon entry