Case dossier

Case 00263

George Patel / Ford Transit Custom / matures 10 Apr 2026
Return to queue
Baseline Route
Auction Disposal
Lead Route
Re Lease
Selected Route
No route actioned
Release Call
Release clear / No second-line release required.
Policy review route requires validator release
Expected Delta
£5,551
Publication
1 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
1 months
Monthly payment
£630
Settlement balance
£26,703
Cash release estimate
£569
Balloon amount
£0
Payment behaviour
Irregular
Treatment posture
Standard
Hardship status
None
Mileage actual / expected
26,062 / 30,450
Condition
Excellent
Market value
£27,272
Booked residual
£15,156
Current channel
Auction
Vehicle segment
Van
VT posture
Not eligible / Elevated
Last inspection
12 Mar 2026
Valuation source
Market Signal Feed / 15 Mar 2026
Route Comparison
Recommended route, challengers, and release posture
Winning rationale
Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance.
Lead positive drivers
Irregular payment review trigger / Mileage performance supports retained-value actions. / Payment arrears are raising servicing drag and treatment scrutiny.
Primary blockers
Irregular payment review trigger / Policy review route requires validator release
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Re-LeaseLead / RecommendedApproval required / Validator£5,551£29,964
Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance.
-
Extend 12 MonthsPermittedApproval required / Validator£4,853£29,266
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Extend 6 MonthsPermittedApproval required / Validator£4,396£28,809
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Trade SalePermittedApproval required / Validator£1,031£25,445
Trade Sale Disposal is commercially credible for this van case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner.
-
AuctionBaseline / Current PlanApproval required / Validator£0£24,413
Auction Disposal is commercially credible for this van case, but current Auction headroom is binding and a lower-friction route can clear sooner.
-
Manual ReviewPermittedApproval required / Validator-£647£23,767
Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
-
Digital RetailBlockedNo approval gate£2,988£27,401
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
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 / 1 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
01 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
01 Jan, 09:00
George Patel / Portfolio Manager
Maturity horizon entry