Case dossier

Case 00203

Harry Campbell / BMW 320d / matures 20 May 2026
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Baseline Route
Digital Retail 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
£5,838
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
HP
Remaining term
2 months
Monthly payment
£975
Settlement balance
£13,620
Cash release estimate
-£1,281
Balloon amount
£0
Payment behaviour
Clean
Treatment posture
Standard
Hardship status
None
Mileage actual / expected
55,449 / 62,700
Condition
Fair
Market value
£12,339
Booked residual
£19,758
Current channel
Digital Retail
Vehicle segment
Premium
VT posture
Not eligible / Elevated
Last inspection
15 Feb 2026
Valuation source
Residual Watch / 16 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
12-month extension age ceiling / Residual tolerance for PCP extension / Residual pressure is compressing uplift on disposal and extension routes.
Primary blockers
12-month extension age ceiling / Residual tolerance for PCP extension / Negative equity escalation trigger / Premium dealer-network age cap
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Extend 12 MonthsLead / RecommendedApproval required / Validator£5,838£16,962
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Re-LeasePermittedApproval required / Validator£4,534£15,658
Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance.
-
Extend 6 MonthsPermittedApproval required / Validator£3,766£14,890
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Digital RetailBaseline / Current PlanApproval required / Validator£0£11,124
Digital Retail Disposal is commercially credible for this premium case, but current Digital Retail headroom is binding and a lower-friction route can clear sooner.
-
Trade SalePermittedApproval required / Validator-£911£10,213
Trade Sale Disposal is commercially credible for this premium case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner.
-
AuctionPermittedApproval required / Validator-£1,412£9,712
Auction Disposal is commercially credible for this premium case, but current Auction headroom is binding and a lower-friction route can clear sooner.
-
Manual ReviewPermittedApproval required / Validator-£1,701£9,423
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
12-month extension elevated review / Policy review route requires validator release
Required approver
Not required
Blocked checks
12-month extension age ceiling
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
20 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
20 Jan, 09:00
George Patel / Portfolio Manager
Maturity horizon entry