Case dossier

Case 00330

Ava Khan / Kia Sportage / matures 16 May 2026
Return to queue
Baseline Route
Auction Disposal
Lead Route
Re Lease
Selected Route
No route actioned
Release Call
Release clear / No second-line release required.
Customer-support treatment review / Policy review route requires validator release
Expected Delta
£2,886
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
PCP
Remaining term
2 months
Monthly payment
£390
Settlement balance
£11,771
Cash release estimate
-£208
Balloon amount
£12,803
Payment behaviour
Stressed
Treatment posture
Forbearance Review
Hardship status
Active Support
Mileage actual / expected
49,557 / 45,080
Condition
Fair
Market value
£11,563
Booked residual
£17,782
Current channel
Auction
Vehicle segment
SUV
VT posture
Not eligible / High
Last inspection
21 Feb 2026
Valuation source
Market Signal Feed / 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 stressed payment posture remain inside tolerance.
Lead positive drivers
Stressed payment manual review / Treatment posture exception route / Residual pressure is compressing uplift on disposal and extension routes.
Primary blockers
Stressed payment manual review / Treatment posture exception route / Negative equity escalation trigger / Customer-support treatment review
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Re-LeaseLead / RecommendedApproval required / Validator£2,886£10,791
Re-lease holds the strongest retained-value position while mileage, vehicle age, and stressed payment posture remain inside tolerance.
-
Extend 12 MonthsPermittedApproval required / Validator£2,707£10,612
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Extend 6 MonthsPermittedApproval required / Validator£2,321£10,226
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Digital RetailPermittedApproval required / Validator£1,174£9,080
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£422£8,327
Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route.
-
AuctionBaseline / Current PlanApproval required / Validator£0£7,906
Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision.
-
Manual ReviewPermittedApproval required / Validator-£234£7,671
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
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
16 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
16 Jan, 09:00
Sophie Bennett / Portfolio Manager
Maturity horizon entry