Case dossier

Case 00170

Leo Singh / Kia Sportage / matures 14 Jul 2026
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Baseline Route
Digital Retail 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
£1,641
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
PCP
Remaining term
4 months
Monthly payment
£380
Settlement balance
£12,084
Cash release estimate
-£2,800
Balloon amount
£13,167
Payment behaviour
Watch
Treatment posture
Standard
Hardship status
None
Mileage actual / expected
53,131 / 52,440
Condition
Fair
Market value
£9,283
Booked residual
£18,287
Current channel
Digital Retail
Vehicle segment
SUV
VT posture
Eligible / Elevated
Last inspection
15 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 watch payment posture remain inside tolerance.
Lead positive drivers
Negative equity escalation trigger / Mileage performance supports retained-value actions. / Residual pressure is compressing uplift on disposal and extension routes.
Primary blockers
Negative equity escalation trigger / Policy review route requires validator release
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Re-LeaseLead / RecommendedApproval required / Validator£1,641£9,206
Re-lease holds the strongest retained-value position while mileage, vehicle age, and watch payment posture remain inside tolerance.
-
Extend 12 MonthsPermittedApproval required / Validator£1,381£8,946
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Extend 6 MonthsPermittedApproval required / Validator£1,059£8,623
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Digital RetailBaseline / Current PlanApproval required / Validator£0£7,565
Digital Retail Disposal is commercially credible for this suv case, but current Digital Retail headroom is binding and a lower-friction route can clear sooner.
-
Trade SalePermittedApproval required / Validator-£682£6,883
Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route.
-
AuctionPermittedApproval required / Validator-£1,068£6,497
Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision.
-
Manual ReviewPermittedApproval required / Validator-£1,278£6,287
Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
-
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
Negative equity escalation trigger
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
16 Mar, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
16 Mar, 09:00
George Patel / Portfolio Manager
Maturity horizon entry