Case dossier
Case 00235
Benjamin Ellis / Nissan Qashqai / matures 20 Jun 2026
Baseline Route
Digital Retail Disposal
Lead Route
Extend 12 Months
Selected Route
No route actioned
Release Call
Release clear / No second-line release required.
No second-line release required.
Expected Delta
£5,220
Publication
All live source inputs are current.
30 Mar, 23:44
Amelia ClarkePortfolio Manager / Recommended / Not Required
Release Clear / The selected route can move to execution.
Commercial Context
Contract, treatment, and asset posture
- Contract type
- HP
- Remaining term
- 3 months
- Monthly payment
- £978
- Settlement balance
- £15,141
- Cash release estimate
- £6,721
- Balloon amount
- £0
- Payment behaviour
- Clean
- Treatment posture
- Standard
- Hardship status
- None
- Mileage actual / expected
- 18,506 / 18,620
- Condition
- Good
- Market value
- £21,862
- Booked residual
- £16,021
- Current channel
- Digital Retail
- Vehicle segment
- SUV
- VT posture
- Not eligible / Low
- Last inspection
- 14 Mar 2026
- Valuation source
- Market Signal Feed / 20 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
- Vehicle age remains within extension tolerance.
- Primary blockers
- No policy, approval, or treatment blocker is constraining the lead route.
- Required release
- Not required
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Extend 12 Months | Lead / Recommended | No approval gate | £5,220 | £27,631 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Re-Lease | Permitted | No approval gate | £4,407 | £26,818 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance. | - |
| Extend 6 Months | Permitted | No approval gate | £3,410 | £25,821 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail | Baseline / Current Plan | No approval gate | £0 | £22,411 | 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 Sale | Permitted | Approval required / Validator | -£1,606 | £20,805 | 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 | Permitted | Approval required / Validator | -£2,460 | £19,951 | 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 | -£2,986 | £19,424 | 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
- No second-line release required.
- Required approver
- Not required
- Blocked checks
- None
- Timeline coverage
- 5 timeline records / 1 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 Feb, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
20 Feb, 09:00
Amelia Clarke / Portfolio Manager
Maturity horizon entry
Internal note added
20 Feb, 08:46
Thomas Walker / Validator
Channel assignment held pending fresh capacity check.