Case dossier
Case 00129
Sophie Walker / Nissan Qashqai / matures 13 Jun 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
-£201
Publication
3 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
- HP
- Remaining term
- 3 months
- Monthly payment
- £513
- Settlement balance
- £11,347
- Cash release estimate
- -£533
- Balloon amount
- £0
- Payment behaviour
- Stressed
- Treatment posture
- Forbearance Review
- Hardship status
- Active Support
- Mileage actual / expected
- 54,045 / 42,140
- Condition
- Poor
- Market value
- £10,814
- Booked residual
- £13,724
- Current channel
- Auction
- Vehicle segment
- SUV
- VT posture
- Not eligible / High
- Last inspection
- 25 Feb 2026
- Valuation source
- Market Signal Feed / 19 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
- 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 | -£201 | £7,063 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Extend 12 Months | Blocked | Approval required / Validator | £3,847 | £11,111 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Re-Lease | Blocked | Approval required / Validator | £3,424 | £10,688 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Extend 6 Months | Blocked | Approval required / Validator | £2,943 | £10,207 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Digital Retail | Blocked | Approval required / Validator | £1,029 | £8,293 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Trade Sale | Blocked | Approval required / Validator | £373 | £7,637 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Auction | Baseline / Current Plan | Approval required / Validator | £0 | £7,264 | 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 / 3 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
13 Feb, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
13 Feb, 09:00
Sophie Bennett / Portfolio Manager
Maturity horizon entry