Case dossier

Case 00323

Finley Davies / Nissan Qashqai / matures 10 Apr 2026
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Baseline Route
Digital Retail 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
£6,369
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
1 months
Monthly payment
£978
Settlement balance
£10,464
Cash release estimate
-£2,219
Balloon amount
£0
Payment behaviour
Watch
Treatment posture
Standard
Hardship status
None
Mileage actual / expected
52,164 / 56,840
Condition
Fair
Market value
£8,245
Booked residual
£14,823
Current channel
Digital Retail
Vehicle segment
SUV
VT posture
Not eligible / Elevated
Last inspection
14 Feb 2026
Valuation source
Market Signal Feed / 14 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 / 12-month extension elevated review
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Extend 12 MonthsLead / RecommendedApproval required / Validator£6,369£13,045
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Re-LeasePermittedApproval required / Validator£4,681£11,357
Re-lease holds the strongest retained-value position while mileage, vehicle age, and watch payment posture remain inside tolerance.
-
Extend 6 MonthsPermittedApproval required / Validator£4,081£10,757
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Digital RetailBaseline / Current PlanApproval required / Validator£0£6,676
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 SalePermittedApproval required / Validator-£591£6,085
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.
-
AuctionPermittedApproval required / Validator-£931£5,745
Auction Disposal is commercially credible for this suv case, but current Auction headroom is binding and a lower-friction route can clear sooner.
-
Manual ReviewPermittedApproval required / Validator-£1,110£5,566
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
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
01 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
01 Jan, 09:00
George Patel / Portfolio Manager
Maturity horizon entry