Case dossier
Case 00308
Jacob Fisher / Nissan Qashqai / matures 15 Jul 2026
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 / Customer-support treatment review / Policy review route requires validator release
Expected Delta
£7,729
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
- 4 months
- Monthly payment
- £978
- Settlement balance
- £10,052
- Cash release estimate
- £6,136
- Balloon amount
- £0
- Payment behaviour
- Stressed
- Treatment posture
- Forbearance Review
- Hardship status
- Active Support
- Mileage actual / expected
- 33,653 / 34,300
- Condition
- Good
- Market value
- £16,188
- Booked residual
- £14,179
- Current channel
- Auction
- Vehicle segment
- SUV
- VT posture
- Not eligible / High
- Last inspection
- 03 Mar 2026
- Valuation source
- Market Signal Feed / 19 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
- Stressed payment manual review / Treatment posture exception route / Vehicle age remains within extension tolerance.
- Primary blockers
- Stressed payment manual review / Treatment posture exception route / 12-month extension elevated review / Customer-support treatment review
- Required release
- Not required
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Extend 12 Months | Lead / Recommended | Approval required / Validator | £7,729 | £21,153 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Re-Lease | Permitted | Approval required / Validator | £6,288 | £19,712 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and stressed payment posture remain inside tolerance. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £5,570 | £18,994 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail | Permitted | Approval required / Validator | £1,692 | £15,116 | Digital Retail Disposal is commercially credible for this suv case, but current Digital Retail headroom is binding and a lower-friction route can clear sooner. | - |
| Trade Sale | Permitted | Approval required / Validator | £596 | £14,020 | Trade Sale Disposal is commercially credible for this suv case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner. | - |
| Auction | Baseline / Current Plan | Approval required / Validator | £0 | £13,424 | Auction Disposal is commercially credible for this suv case, but current Auction headroom is binding and a lower-friction route can clear sooner. | - |
| Manual Review | Permitted | Approval required / Validator | -£352 | £13,072 | 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 / 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
17 Mar, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
17 Mar, 09:00
George Patel / Portfolio Manager
Maturity horizon entry