Case dossier

Case 00193

Finley Davies / Kia EV6 / matures 08 May 2026
Return to queue
Baseline Route
Auction Disposal
Lead Route
Extend 12 Months
Selected Route
No route actioned
Release Call
Release clear / No second-line release required.
12-month extension elevated review / Policy review route requires validator release
Expected Delta
£6,313
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
£809
Settlement balance
£26,525
Cash release estimate
-£4,180
Balloon amount
£0
Payment behaviour
Irregular
Treatment posture
Standard
Hardship status
None
Mileage actual / expected
35,031 / 27,880
Condition
Poor
Market value
£22,344
Booked residual
£23,759
Current channel
Auction
Vehicle segment
EV
VT posture
Not eligible / High
Last inspection
03 Mar 2026
Valuation source
Residual Watch / 17 Mar 2026
Route Comparison
Recommended route, challengers, and release posture
Winning rationale
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
Lead positive drivers
Irregular payment review trigger / Auction fallback threshold / Vehicle age remains within extension tolerance.
Primary blockers
Irregular payment review trigger / Auction fallback threshold / Extension mileage ceiling / 12-month extension elevated review
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Extend 12 MonthsLead / RecommendedApproval required / Validator£6,313£25,768
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Re-LeasePermittedApproval required / Validator£6,001£25,456
Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance.
-
Extend 6 MonthsPermittedApproval required / Validator£5,031£24,486
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Trade SalePermittedApproval required / Validator£844£20,299
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£19,455
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-£520£18,935
Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
-
Digital RetailBlockedNo approval gate£2,431£21,886
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
12-month extension elevated 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
08 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
08 Jan, 09:00
Amelia Clarke / Portfolio Manager
Maturity horizon entry