Case dossier

Case 00148

Ava Khan / Ford Transit Custom / matures 29 May 2026
Return to queue
Baseline Route
Trade Sale Disposal
Lead Route
Re Lease
Selected Route
No route actioned
Release Call
Release clear / No second-line release required.
Customer-support treatment review / Policy review route requires validator release
Expected Delta
£2,718
Publication
2 source inputs need review before actioning.
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
PCP
Remaining term
2 months
Monthly payment
£422
Settlement balance
£11,286
Cash release estimate
£1,809
Balloon amount
£12,222
Payment behaviour
Irregular
Treatment posture
Care Guided
Hardship status
Watchlist
Mileage actual / expected
77,789 / 69,600
Condition
Fair
Market value
£13,096
Booked residual
£16,976
Current channel
Trade Sale
Vehicle segment
Van
VT posture
Not eligible / Low
Last inspection
21 Feb 2026
Valuation source
Market Signal Feed / 14 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 / Residual pressure is compressing uplift on disposal and extension routes. / Payment arrears are raising servicing drag and treatment scrutiny.
Primary blockers
Irregular payment review trigger / Customer-support treatment review / Policy review route requires validator release
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Re-LeaseLead / RecommendedApproval required / Validator£2,718£13,352
Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance.
-
Extend 12 MonthsPermittedApproval required / Validator£2,480£13,114
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Extend 6 MonthsPermittedApproval required / Validator£2,080£12,713
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Trade SaleBaseline / Current PlanApproval required / Validator£0£10,634
Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route.
-
AuctionPermittedApproval required / Validator-£493£10,140
Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision.
-
Manual ReviewPermittedApproval required / Validator-£776£9,857
Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
-
Digital RetailBlockedApproval required / Validator£894£11,528
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
Release clear / No second-line release required.
Approval basis
Customer-support treatment review / Policy review route requires validator release
Required approver
Not required
Blocked checks
Irregular payment review trigger
Timeline coverage
4 timeline records / 0 notes
Publication context
Published 30 Mar, 23:44 / effective 30 Mar, 23:44 / 2 source inputs need review before actioning.
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
29 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
29 Jan, 09:00
Amelia Clarke / Portfolio Manager
Maturity horizon entry