Case dossier

Case 00352

Leo Singh / Audi A4 / matures 07 Jun 2026
Return to queue
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
£3,568
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
3 months
Monthly payment
£757
Settlement balance
£15,086
Cash release estimate
£3,645
Balloon amount
£0
Payment behaviour
Clean
Treatment posture
Standard
Hardship status
None
Mileage actual / expected
48,178 / 48,300
Condition
Good
Market value
£18,731
Booked residual
£21,207
Current channel
Digital Retail
Vehicle segment
Premium
VT posture
Not eligible / Low
Last inspection
23 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 / Vehicle age remains within extension tolerance.
Primary blockers
12-month extension age ceiling / 12-month extension elevated review / Policy review route requires validator release
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Extend 12 MonthsLead / RecommendedApproval required / Validator£3,568£22,261
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Re-LeasePermittedNo approval gate£3,330£22,022
Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance.
-
Extend 6 MonthsPermittedApproval required / Validator£2,408£21,100
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Digital RetailBaseline / Current PlanNo approval gate£0£18,693
Digital Retail Disposal is commercially credible for this premium case, but current Digital Retail headroom is binding and a lower-friction route can clear sooner.
-
Trade SalePermittedApproval required / Validator-£1,377£17,315
Trade Sale Disposal is commercially credible for this premium case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner.
-
AuctionPermittedApproval required / Validator-£2,115£16,577
Auction Disposal is commercially credible for this premium case, but current Auction headroom is binding and a lower-friction route can clear sooner.
-
Manual ReviewPermittedApproval required / Validator-£2,564£16,129
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
07 Feb, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
07 Feb, 09:00
Amelia Clarke / Portfolio Manager
Maturity horizon entry