Case dossier

Case 00305

Daniel Roberts / Mercedes-Benz C 220 / matures 28 May 2026
Return to queue
Baseline Route
Trade Sale 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
£3,661
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
2 months
Monthly payment
£536
Settlement balance
£16,201
Cash release estimate
£3,269
Balloon amount
£17,623
Payment behaviour
Watch
Treatment posture
Standard
Hardship status
None
Mileage actual / expected
47,857 / 37,240
Condition
Poor
Market value
£19,470
Booked residual
£24,476
Current channel
Trade Sale
Vehicle segment
Premium
VT posture
Eligible / Guarded
Last inspection
28 Feb 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 watch payment posture remain inside tolerance.
Lead positive drivers
Auction fallback threshold / Negative equity escalation trigger / Residual pressure is compressing uplift on disposal and extension routes.
Primary blockers
Auction fallback threshold / Negative equity escalation trigger / Policy review route requires validator release
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Re-LeaseLead / RecommendedApproval required / Validator£3,661£20,777
Re-lease holds the strongest retained-value position while mileage, vehicle age, and watch payment posture remain inside tolerance.
-
Extend 12 MonthsPermittedApproval required / Validator£3,327£20,444
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Extend 6 MonthsPermittedApproval required / Validator£2,808£19,924
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Trade SaleBaseline / Current PlanApproval required / Validator£0£17,116
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.
-
AuctionPermittedApproval required / Validator-£748£16,369
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-£1,203£15,914
Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
-
Digital RetailBlockedNo approval gate£1,397£18,513
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
Policy review route requires validator release
Required approver
Not required
Blocked checks
Auction fallback threshold
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
28 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
28 Jan, 09:00
George Patel / Portfolio Manager
Maturity horizon entry