Case dossier

Case 00313

Benjamin Ellis / Kia EV6 / matures 26 May 2026
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Baseline Route
Trade Sale 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
£5,376
Publication
All live source inputs are current.
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
£809
Settlement balance
£17,579
Cash release estimate
-£4,086
Balloon amount
£0
Payment behaviour
Watch
Treatment posture
Standard
Hardship status
None
Mileage actual / expected
50,805 / 45,920
Condition
Fair
Market value
£13,492
Booked residual
£26,203
Current channel
Trade Sale
Vehicle segment
EV
VT posture
Not eligible / High
Last inspection
16 Feb 2026
Valuation source
Residual Watch / 17 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
12-month extension age ceiling / Residual tolerance for PCP extension / Residual pressure is compressing uplift on disposal and extension routes.
Primary blockers
12-month extension age ceiling / Residual tolerance for PCP extension / Negative equity escalation trigger / Extension mileage ceiling
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Extend 12 MonthsLead / RecommendedApproval required / Validator£5,376£15,609
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Re-LeasePermittedApproval required / Validator£4,662£14,896
Re-lease holds the strongest retained-value position while mileage, vehicle age, and watch payment posture remain inside tolerance.
-
Extend 6 MonthsPermittedApproval required / Validator£3,878£14,112
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Trade SaleBaseline / Current PlanApproval required / Validator£0£10,234
Trade Sale Disposal is commercially credible for this ev case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner.
-
AuctionPermittedApproval required / Validator-£539£9,695
Auction Disposal is commercially credible for this ev case, but current Auction headroom is binding and a lower-friction route can clear sooner.
-
Manual ReviewPermittedApproval required / Validator-£852£9,381
Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
-
Digital RetailBlockedNo approval gate£984£11,217
Blocked by policy: Digital retail segment eligibility.
Blocked by Digital retail segment eligibility.
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
12-month extension age ceiling
Timeline coverage
4 timeline records / 0 notes
Publication context
Published 30 Mar, 23:44 / effective 30 Mar, 23:44 / All live source inputs are current.
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
26 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
26 Jan, 09:00
Amelia Clarke / Portfolio Manager
Maturity horizon entry