Case dossier
Case 00142
Grace Graham / Mercedes-Benz Vito / matures 04 Apr 2026
Baseline Route
Auction 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
£3,770
Publication
1 source inputs need review before actioning.
30 Mar, 23:44
Amelia ClarkePortfolio Manager / Rejected / Rejected
Approval Required / Validator approval is required before execution.
Commercial Context
Contract, treatment, and asset posture
- Contract type
- PCP
- Remaining term
- 1 months
- Monthly payment
- £437
- Settlement balance
- £12,593
- Cash release estimate
- £5,176
- Balloon amount
- £12,693
- Payment behaviour
- Irregular
- Treatment posture
- Standard
- Hardship status
- None
- Mileage actual / expected
- 64,180 / 68,400
- Condition
- Good
- Market value
- £17,768
- Booked residual
- £17,629
- Current channel
- Auction
- Vehicle segment
- Van
- VT posture
- Not eligible / Elevated
- Last inspection
- 24 Feb 2026
- Valuation source
- Market Signal Feed / 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 irregular payment posture remain inside tolerance.
- Lead positive drivers
- Irregular payment review trigger / Mileage performance supports retained-value actions. / Payment arrears are raising servicing drag and treatment scrutiny.
- Primary blockers
- Irregular payment review 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 | £3,770 | £19,273 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | Approval required / Validator | £3,176 | £18,679 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £2,950 | £18,453 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale | Permitted | Approval required / Validator | £680 | £16,183 | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Auction | Baseline / Current Plan | Approval required / Validator | £0 | £15,503 | 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 | -£409 | £15,094 | 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 | £1,942 | £17,445 | 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
- Approval required / Policy review route requires validator release
- Approval basis
- Policy review route requires validator release
- Required approver
- Validator
- Blocked checks
- Irregular payment review trigger
- Timeline coverage
- 7 timeline records / 0 notes
- Publication context
- Published 30 Mar, 23:44 / effective 30 Mar, 23:44 / 1 source inputs need review before actioning.
Timeline and notes
Approval rejected
30 Mar, 23:44
Thomas Walker / Validator
Seeded release rejection to preserve visible rework pressure.
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
01 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
01 Jan, 09:00
Amelia Clarke / Portfolio Manager
Maturity horizon entry