Case dossier
Case 00290
Isla Turner / Kia EV6 / matures 23 May 2026
Baseline Route
Auction Disposal
Lead Route
Manual Exception Review
Selected Route
No route actioned
Release Call
Release clear / No second-line release required.
Manual-review release control
Expected Delta
-£465
Publication
2 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
- 2 months
- Monthly payment
- £1,569
- Settlement balance
- £18,387
- Cash release estimate
- £2,299
- Balloon amount
- £0
- Payment behaviour
- Stressed
- Treatment posture
- Forbearance Review
- Hardship status
- Watchlist
- Mileage actual / expected
- 33,977 / 36,900
- Condition
- Good
- Market value
- £20,686
- Booked residual
- £26,278
- Current channel
- Auction
- Vehicle segment
- EV
- VT posture
- Not eligible / High
- Last inspection
- 24 Feb 2026
- Valuation source
- Residual Watch / 20 Mar 2026
Route Comparison
Recommended route, challengers, and release posture
- Winning rationale
- Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
- Lead positive drivers
- Residual pressure is compressing uplift on disposal and extension routes. / Payment arrears are raising servicing drag and treatment scrutiny.
- Primary blockers
- Manual-review release control
- Required release
- Not required
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Manual Review | Lead / Recommended | Approval required / Validator | -£465 | £16,195 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Extend 12 Months | Blocked | Approval required / Validator | £12,283 | £28,943 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Re-Lease | Blocked | No approval gate | £9,571 | £26,231 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Extend 6 Months | Blocked | No approval gate | £8,547 | £25,208 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Digital Retail | Blocked | No approval gate | £2,191 | £18,852 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Trade Sale | Blocked | No approval gate | £764 | £17,424 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Auction | Baseline / Current Plan | No approval gate | £0 | £16,661 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
Governance, Evidence, and Notes
Release basis, publication, and operating trail
- Release call
- Release clear / No second-line release required.
- Approval basis
- Manual-review release control
- Required approver
- Not required
- Blocked checks
- None
- Timeline coverage
- 4 timeline records / 0 notes
- Publication context
- Published 30 Mar, 23:44 / effective 30 Mar, 23:44 / 2 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
23 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
23 Jan, 09:00
George Patel / Portfolio Manager
Maturity horizon entry