Case dossier

Case 00294

Theo Murphy / Audi A4 / matures 09 Jun 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.
Customer-support treatment review / Policy review route requires validator release
Expected Delta
£4,958
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
PCP
Remaining term
3 months
Monthly payment
£436
Settlement balance
£25,883
Cash release estimate
£6,904
Balloon amount
£15,385
Payment behaviour
Stressed
Treatment posture
Forbearance Review
Hardship status
Active Support
Mileage actual / expected
20,611 / 21,000
Condition
Good
Market value
£32,787
Booked residual
£21,368
Current channel
Auction
Vehicle segment
Premium
VT posture
Not eligible / High
Last inspection
13 Mar 2026
Valuation source
Residual Watch / 20 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 stressed payment posture remain inside tolerance.
Lead positive drivers
Stressed payment manual review / Treatment posture exception route / Mileage performance supports retained-value actions.
Primary blockers
Stressed payment manual review / Treatment posture exception route / Customer-support treatment review / Policy review route requires validator release
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Re-LeaseLead / RecommendedApproval required / Validator£4,958£33,903
Re-lease holds the strongest retained-value position while mileage, vehicle age, and stressed payment posture remain inside tolerance.
-
Extend 6 MonthsPermittedApproval required / Validator£3,630£32,575
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Digital RetailPermittedApproval required / Validator£3,518£32,463
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.
-
Extend 12 MonthsPermittedApproval required / Validator£3,226£32,171
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Trade SalePermittedApproval required / Validator£1,210£30,155
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.
-
AuctionBaseline / Current PlanApproval required / Validator£0£28,945
Auction Disposal is commercially credible for this premium case, but current Auction headroom is binding and a lower-friction route can clear sooner.
-
Manual ReviewPermittedApproval required / Validator-£767£28,178
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
Customer-support treatment review / Policy review route requires validator release
Required approver
Not required
Blocked checks
Stressed payment manual review
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
09 Feb, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
09 Feb, 09:00
Sophie Bennett / Portfolio Manager
Maturity horizon entry