| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Extend 12 Months | Lead / Recommended | Approval required / Validator | £5,431 | £9,689 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Re-Lease | Permitted | Approval required / Validator | £4,207 | £8,466 | 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 | £3,760 | £8,018 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale | Permitted | Approval required / Validator | £255 | £4,513 | Trade Sale Disposal is commercially credible for this hatchback case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner. | - |
| Manual Review | Permitted | Approval required / Validator | -£122 | £4,136 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Auction | Baseline / Current Plan | Approval required / Validator | £0 | £4,258 | Auction Disposal is commercially credible for this hatchback case, but current Auction headroom is binding and a lower-friction route can clear sooner. | - |
| Digital Retail | Blocked | No approval gate | £679 | £4,937 | Blocked by policy: Retail mileage overrun ceiling. | Blocked by Retail mileage overrun ceiling. |