Case dossier

Case 00238

Isla Turner / Volkswagen Golf / matures 28 Jun 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 / Customer-support treatment review / Policy review route requires validator release
Expected Delta
£3,582
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
HP
Remaining term
3 months
Monthly payment
£505
Settlement balance
£6,964
Cash release estimate
-£474
Balloon amount
£0
Payment behaviour
Irregular
Treatment posture
Care Guided
Hardship status
Watchlist
Mileage actual / expected
58,965 / 50,350
Condition
Fair
Market value
£6,490
Booked residual
£10,092
Current channel
Auction
Vehicle segment
Hatchback
VT posture
Not eligible / Elevated
Last inspection
18 Feb 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
Irregular payment review trigger / 12-month extension age ceiling / Residual pressure is compressing uplift on disposal and extension routes.
Primary blockers
Irregular payment review trigger / 12-month extension age ceiling / Residual tolerance for PCP extension / Extension mileage ceiling
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Extend 12 MonthsLead / RecommendedApproval required / Validator£3,582£7,384
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Re-LeasePermittedApproval required / Validator£3,032£6,834
Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance.
-
Extend 6 MonthsPermittedApproval required / Validator£2,623£6,424
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Trade SalePermittedApproval required / Validator£240£4,042
Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route.
-
Manual ReviewPermittedApproval required / Validator-£112£3,689
Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
-
AuctionBaseline / Current PlanApproval required / Validator£0£3,801
Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision.
-
Digital RetailBlockedApproval required / Validator£636£4,437
Blocked by policy: Retail mileage overrun ceiling.
Blocked by Retail mileage overrun ceiling.
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 / 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
28 Feb, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
28 Feb, 09:00
Amelia Clarke / Portfolio Manager
Maturity horizon entry