Case dossier
Case 00134
Isla Turner / Ford Fiesta / matures 10 Jun 2026
Baseline Route
Trade Sale Disposal
Lead Route
Extend 12 Months
Selected Route
No route actioned
Release Call
Release clear / No second-line release required.
12-month extension elevated review / Policy review route requires validator release
Expected Delta
£2,355
Publication
All live source inputs are current.
30 Mar, 23:44
Amelia ClarkePortfolio Manager / Recommended / 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
- £372
- Settlement balance
- £4,865
- Cash release estimate
- £1,186
- Balloon amount
- £0
- Payment behaviour
- Watch
- Treatment posture
- Standard
- Hardship status
- None
- Mileage actual / expected
- 43,078 / 43,200
- Condition
- Good
- Market value
- £6,052
- Booked residual
- £7,021
- Current channel
- Trade Sale
- Vehicle segment
- Hatchback
- VT posture
- Not eligible / Guarded
- Last inspection
- 21 Feb 2026
- Valuation source
- Market Signal Feed / 16 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
- 12-month extension age ceiling / Payment arrears are raising servicing drag and treatment scrutiny.
- Primary blockers
- 12-month extension age ceiling / 12-month extension elevated review / Policy review route requires validator release
- Required release
- Not required
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Extend 12 Months | Lead / Recommended | Approval required / Validator | £2,355 | £7,341 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Re-Lease | Permitted | No approval gate | £2,176 | £7,163 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and watch payment posture remain inside tolerance. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £1,797 | £6,783 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail | Permitted | No approval gate | £431 | £5,417 | Digital Retail Disposal is commercially credible for this hatchback case, but current Digital Retail headroom is binding and a lower-friction route can clear sooner. | - |
| Trade Sale | Baseline / Current Plan | No approval gate | £0 | £4,986 | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Manual Review | Permitted | Approval required / Validator | -£383 | £4,604 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Auction | Permitted | Approval required / Validator | -£258 | £4,728 | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |
Governance, Evidence, and Notes
Release basis, publication, and operating trail
- Release call
- Release clear / No second-line release required.
- Approval basis
- 12-month extension elevated review / Policy review route requires validator release
- Required approver
- Not required
- Blocked checks
- 12-month extension age ceiling
- Timeline coverage
- 4 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
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
10 Feb, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
10 Feb, 09:00
George Patel / Portfolio Manager
Maturity horizon entry