Case dossier
Case 00259
Sophie Walker / Mercedes-Benz C 220 / matures 15 Apr 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.
12-month extension elevated review / Policy review route requires validator release
Expected Delta
£8,249
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
- 1 months
- Monthly payment
- £1,514
- Settlement balance
- £18,711
- Cash release estimate
- £14,520
- Balloon amount
- £0
- Payment behaviour
- Watch
- Treatment posture
- Standard
- Hardship status
- None
- Mileage actual / expected
- 22,555 / 20,580
- Condition
- Good
- Market value
- £33,231
- Booked residual
- £22,140
- Current channel
- Digital Retail
- Vehicle segment
- Premium
- VT posture
- Not eligible / Guarded
- Last inspection
- 12 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
- Extension mileage ceiling / Vehicle age remains within extension tolerance.
- Primary blockers
- Extension mileage ceiling / 12-month extension elevated review / Policy review route requires validator release
- Required release
- Not required
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Extend 12 Months | Lead / Recommended | Approval required / Validator | £8,249 | £42,432 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Re-Lease | Permitted | No approval gate | £6,788 | £40,971 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and watch payment posture remain inside tolerance. | - |
| Extend 6 Months | Permitted | No approval gate | £5,287 | £39,470 | 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 | £34,183 | 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 Sale | Permitted | Approval required / Validator | -£2,429 | £31,755 | 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. | - |
| Auction | Permitted | Approval required / Validator | -£3,699 | £30,484 | Auction Disposal is commercially credible for this premium case, but current Auction headroom is binding and a lower-friction route can clear sooner. | - |
| Manual Review | Permitted | Approval required / Validator | -£4,508 | £29,675 | 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
- Extension mileage 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
01 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
01 Jan, 09:00
Amelia Clarke / Portfolio Manager
Maturity horizon entry