Case dossier
Case 00289
George Patel / Volkswagen Golf / matures 17 Apr 2026
Baseline Route
Trade Sale Disposal
Lead Route
Re Lease
Selected Route
No route actioned
Release Call
Release clear / No second-line release required.
No second-line release required.
Expected Delta
£1,774
Publication
1 source inputs need review before actioning.
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
- PCP
- Remaining term
- 1 months
- Monthly payment
- £261
- Settlement balance
- £6,939
- Cash release estimate
- £1,771
- Balloon amount
- £7,513
- Payment behaviour
- Clean
- Treatment posture
- Standard
- Hardship status
- None
- Mileage actual / expected
- 49,303 / 41,800
- Condition
- Fair
- Market value
- £8,711
- Booked residual
- £10,435
- Current channel
- Trade Sale
- Vehicle segment
- Hatchback
- VT posture
- Eligible / Low
- Last inspection
- 24 Feb 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 clean payment posture remain inside tolerance.
- Lead positive drivers
- No positive ranking driver was recorded for the lead route.
- 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 |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Recommended | No approval gate | £1,774 | £9,354 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | Approval required / Validator | £1,424 | £9,004 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £1,322 | £8,902 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale | Baseline / Current Plan | No approval gate | £0 | £7,580 | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Auction | Permitted | Approval required / Validator | -£362 | £7,218 | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |
| Manual Review | Permitted | Approval required / Validator | -£557 | £7,023 | 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 | £636 | £8,216 | 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
- 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 / 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
Amelia Clarke / Portfolio Manager
Maturity horizon entry
Internal note added
01 Jan, 08:25
Amelia Clarke / Portfolio Manager
Residual position reviewed against current market snapshot.