Case dossier
Case 00268
Theo Murphy / Kia EV6 / matures 09 Jul 2026
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
£5,311
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
- PCP
- Remaining term
- 4 months
- Monthly payment
- £513
- Settlement balance
- £23,294
- Cash release estimate
- £8,406
- Balloon amount
- £16,971
- Payment behaviour
- Irregular
- Treatment posture
- Standard
- Hardship status
- None
- Mileage actual / expected
- 21,487 / 21,320
- Condition
- Good
- Market value
- £31,701
- Booked residual
- £23,570
- Current channel
- Auction
- Vehicle segment
- EV
- VT posture
- Not eligible / Elevated
- Last inspection
- 09 Mar 2026
- Valuation source
- Residual Watch / 16 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
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Recommended | Approval required / Validator | £5,311 | £33,886 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £3,991 | £32,566 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 12 Months | Permitted | Approval required / Validator | £3,853 | £32,429 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale | Permitted | Approval required / Validator | £1,195 | £29,770 | Trade Sale Disposal is commercially credible for this ev case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner. | - |
| Auction | Baseline / Current Plan | Approval required / Validator | £0 | £28,575 | Auction Disposal is commercially credible for this ev case, but current Auction headroom is binding and a lower-friction route can clear sooner. | - |
| Manual Review | Permitted | Approval required / Validator | -£757 | £27,818 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Digital Retail | Blocked | No approval gate | £3,474 | £32,050 | 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
11 Mar, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
11 Mar, 09:00
Amelia Clarke / Portfolio Manager
Maturity horizon entry