Case dossier

Case 00302

Ruby Clarke / Audi A4 / matures 11 Apr 2026
Return to queue
Baseline Route
Auction Disposal
Lead Route
Extend 12 Months
Selected Route
No route actioned
Release Call
Release clear / No second-line release required.
12-month extension elevated review / Policy review route requires validator release
Expected Delta
£4,011
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
1 months
Monthly payment
£562
Settlement balance
£14,331
Cash release estimate
-£502
Balloon amount
£15,489
Payment behaviour
Irregular
Treatment posture
Standard
Hardship status
None
Mileage actual / expected
56,901 / 55,650
Condition
Fair
Market value
£13,829
Booked residual
£21,513
Current channel
Auction
Vehicle segment
Premium
VT posture
Not eligible / Elevated
Last inspection
18 Feb 2026
Valuation source
Residual Watch / 20 Mar 2026
Route Comparison
Recommended route, challengers, and release posture
Winning rationale
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
Lead positive drivers
Irregular payment review trigger / 12-month extension age ceiling / Residual pressure is compressing uplift on disposal and extension routes.
Primary blockers
Irregular payment review trigger / 12-month extension age ceiling / Residual tolerance for PCP extension / Negative equity escalation trigger
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Extend 12 MonthsLead / RecommendedApproval required / Validator£4,011£14,454
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Re-LeasePermittedApproval required / Validator£3,995£14,439
Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance.
-
Extend 6 MonthsPermittedApproval required / Validator£3,264£13,707
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Digital RetailPermittedApproval required / Validator£1,506£11,950
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.
-
Trade SalePermittedApproval required / Validator£533£10,977
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£10,444
Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision.
-
Manual ReviewPermittedApproval required / Validator-£310£10,134
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
12-month extension elevated review / 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