Case dossier
Case 00112
Theo Murphy / BMW 320d / matures 30 Mar 2026
Baseline Route
Digital Retail Disposal
Lead Route
Re Lease
Selected Route
Re Lease
Release Call
Approval required / Policy review route requires validator release
Policy review route requires validator release
Expected Delta
£1,929
Publication
All live source inputs are current.
30 Mar, 23:44
Amelia ClarkePortfolio Manager / Approved / Approved
Approval Required / Validator approval is required before execution.
Commercial Context
Contract, treatment, and asset posture
- Contract type
- PCP
- Remaining term
- 0 months
- Monthly payment
- £457
- Settlement balance
- £14,868
- Cash release estimate
- £2,839
- Balloon amount
- £16,213
- Payment behaviour
- Clean
- Treatment posture
- Standard
- Hardship status
- None
- Mileage actual / expected
- 54,186 / 51,700
- Condition
- Good
- Market value
- £17,707
- Booked residual
- £22,518
- Current channel
- Digital Retail
- Vehicle segment
- Premium
- VT posture
- Eligible / Low
- Last inspection
- 22 Feb 2026
- Valuation source
- Residual Watch / 18 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 clean payment posture remain inside tolerance.
- Lead positive drivers
- Negative equity escalation trigger / Residual pressure is compressing uplift on disposal and extension routes. / Payment arrears are raising servicing drag and treatment scrutiny.
- Primary blockers
- Negative equity escalation trigger / Policy review route requires validator release
- Required release
- Validator
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Selected / Recommended | Approval required / Validator | £1,929 | £18,787 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | Approval required / Validator | £1,337 | £18,195 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £1,081 | £17,939 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail | Baseline / Current Plan | Approval required / Validator | £0 | £16,858 | Digital Retail Disposal is commercially credible for this premium case, but current Digital Retail headroom is binding and a lower-friction route can clear sooner. | - |
| Trade Sale | Permitted | Approval required / Validator | -£1,283 | £15,575 | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Auction | Permitted | Approval required / Validator | -£1,974 | £14,885 | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |
| Manual Review | Permitted | Approval required / Validator | -£2,390 | £14,469 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
Governance, Evidence, and Notes
Release basis, publication, and operating trail
- Release call
- Approval required / Policy review route requires validator release
- Approval basis
- Policy review route requires validator release
- Required approver
- Validator
- Blocked checks
- Negative equity escalation trigger
- Timeline coverage
- 7 timeline records / 0 notes
- Publication context
- Published 30 Mar, 23:44 / effective 30 Mar, 23:44 / All live source inputs are current.
Timeline and notes
Approval completed
30 Mar, 23:44
Ruby Singh / Validator
Seeded validator release to keep the execution queue populated.
Approval requested
30 Mar, 23:44
George Patel / Portfolio Manager
Approval requested
Recommendation accepted
30 Mar, 23:44
George Patel / 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
01 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
01 Jan, 09:00
Amelia Clarke / Portfolio Manager
Maturity horizon entry