Case dossier
Case 00154
Oliver Price / Hyundai Tucson / matures 30 May 2026
Baseline Route
Auction Disposal
Lead Route
Re Lease
Selected Route
No route actioned
Release Call
Release clear / No second-line release required.
Policy review route requires validator release
Expected Delta
£4,729
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
- HP
- Remaining term
- 2 months
- Monthly payment
- £597
- Settlement balance
- £25,699
- Cash release estimate
- -£5,981
- Balloon amount
- £0
- Payment behaviour
- Irregular
- Treatment posture
- Standard
- Hardship status
- None
- Mileage actual / expected
- 29,639 / 24,000
- Condition
- Poor
- Market value
- £19,718
- Booked residual
- £17,758
- Current channel
- Auction
- Vehicle segment
- SUV
- VT posture
- Not eligible / High
- Last inspection
- 10 Mar 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 / Auction fallback threshold / Payment arrears are raising servicing drag and treatment scrutiny.
- Primary blockers
- Irregular payment review trigger / Auction fallback threshold / Policy review route requires validator release
- Required release
- Not required
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Recommended | Approval required / Validator | £4,729 | £22,008 | 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 | £4,620 | £21,899 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £3,884 | £21,163 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale | Permitted | Approval required / Validator | £748 | £18,028 | Trade Sale Disposal is commercially credible for this suv case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner. | - |
| Auction | Baseline / Current Plan | Approval required / Validator | £0 | £17,280 | Auction Disposal is commercially credible for this suv case, but current Auction headroom is binding and a lower-friction route can clear sooner. | - |
| Manual Review | Permitted | Approval required / Validator | -£455 | £16,824 | 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 | £2,146 | £19,425 | Blocked by policy: Retail mileage overrun ceiling. | Blocked by Retail mileage overrun ceiling. |
Governance, Evidence, and Notes
Release basis, publication, and operating trail
- Release call
- Release clear / No second-line release required.
- Approval basis
- 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
30 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
30 Jan, 09:00
Amelia Clarke / Portfolio Manager
Maturity horizon entry