Case dossier

Case 00347

Archie Taylor / Volkswagen Golf / matures 04 Jun 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
£2,078
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
3 months
Monthly payment
£303
Settlement balance
£6,787
Cash release estimate
£183
Balloon amount
£7,295
Payment behaviour
Irregular
Treatment posture
Care Guided
Hardship status
Watchlist
Mileage actual / expected
44,140 / 49,400
Condition
Fair
Market value
£6,970
Booked residual
£10,132
Current channel
Auction
Vehicle segment
Hatchback
VT posture
Not eligible / Elevated
Last inspection
19 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 irregular payment posture remain inside tolerance.
Lead positive drivers
Irregular payment review trigger / Mileage performance supports retained-value actions. / Residual pressure is compressing uplift on disposal and extension routes.
Primary blockers
Irregular payment review trigger / Customer-support treatment review / Policy review route requires validator release
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Re-LeaseLead / RecommendedApproval required / Validator£2,078£6,552
Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance.
-
Extend 12 MonthsPermittedApproval required / Validator£1,959£6,433
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Extend 6 MonthsPermittedApproval required / Validator£1,670£6,144
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Digital RetailPermittedApproval required / Validator£706£5,180
Digital retail is carrying the best net disposal value for this hatchback unit after timing, fees, and residual drag are applied.
-
Trade SalePermittedApproval required / Validator£264£4,738
Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route.
-
Manual ReviewPermittedApproval required / Validator-£128£4,346
Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
-
AuctionBaseline / Current PlanApproval required / Validator£0£4,474
Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision.
-
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
Irregular payment review trigger
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
04 Feb, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
04 Feb, 09:00
George Patel / Portfolio Manager
Maturity horizon entry