Case dossier

Case 00162

Lucas Edwards / Kia EV6 / matures 29 Jun 2026
Return to queue
Baseline Route
Auction 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
£5,017
Publication
3 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
3 months
Monthly payment
£556
Settlement balance
£18,404
Cash release estimate
£7,648
Balloon amount
£18,200
Payment behaviour
Irregular
Treatment posture
Care Guided
Hardship status
Watchlist
Mileage actual / expected
29,552 / 26,240
Condition
Fair
Market value
£26,052
Booked residual
£25,278
Current channel
Auction
Vehicle segment
EV
VT posture
Not eligible / Elevated
Last inspection
05 Mar 2026
Valuation source
Residual Watch / 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 / 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£5,017£27,846
Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance.
-
Extend 12 MonthsPermittedApproval required / Validator£4,248£27,077
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Extend 6 MonthsPermittedApproval required / Validator£3,939£26,768
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Trade SalePermittedApproval required / Validator£968£23,797
Trade Sale Disposal is commercially credible for this ev case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner.
-
AuctionBaseline / Current PlanApproval required / Validator£0£22,829
Auction Disposal is commercially credible for this ev case, but current Auction headroom is binding and a lower-friction route can clear sooner.
-
Manual ReviewPermittedApproval required / Validator-£604£22,226
Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
-
Digital RetailBlockedApproval required / Validator£2,798£25,628
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 / 3 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
01 Mar, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
01 Mar, 09:00
Sophie Bennett / Portfolio Manager
Maturity horizon entry