Case dossier
Case 00361
Lily Jenkins / Volkswagen Golf / matures 10 Jun 2026
Baseline Route
Auction Disposal
Lead Route
Manual Exception Review
Selected Route
No route actioned
Release Call
Release clear / No second-line release required.
Manual-review release control
Expected Delta
-£117
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
- £260
- Settlement balance
- £6,961
- Cash release estimate
- £349
- Balloon amount
- £7,538
- Payment behaviour
- Stressed
- Treatment posture
- Forbearance Review
- Hardship status
- Active Support
- Mileage actual / expected
- 52,839 / 47,500
- Condition
- Fair
- Market value
- £7,310
- Booked residual
- £10,470
- Current channel
- Auction
- Vehicle segment
- Hatchback
- VT posture
- Not eligible / High
- Last inspection
- 20 Feb 2026
- Valuation source
- Market Signal Feed / 18 Mar 2026
Route Comparison
Recommended route, challengers, and release posture
- Winning rationale
- Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
- Lead positive drivers
- Residual pressure is compressing uplift on disposal and extension routes. / Payment arrears are raising servicing drag and treatment scrutiny.
- Primary blockers
- Manual-review release control
- Required release
- Not required
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Manual Review | Lead / Recommended | Approval required / Validator | -£117 | £3,937 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Re-Lease | Blocked | Approval required / Validator | £1,841 | £5,895 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Extend 12 Months | Blocked | Approval required / Validator | £1,667 | £5,720 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Extend 6 Months | Blocked | Approval required / Validator | £1,470 | £5,524 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Digital Retail | Blocked | Approval required / Validator | £656 | £4,710 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Trade Sale | Blocked | Approval required / Validator | £247 | £4,301 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
| Auction | Baseline / Current Plan | Approval required / Validator | £0 | £4,054 | Blocked by policy: Arrears ceiling. | Blocked by Arrears ceiling. |
Governance, Evidence, and Notes
Release basis, publication, and operating trail
- Release call
- Release clear / No second-line release required.
- Approval basis
- Manual-review release control
- Required approver
- Not required
- Blocked checks
- None
- Timeline coverage
- 5 timeline records / 1 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
Internal note added
26 Mar, 10:57
Amelia Clarke / Portfolio Manager
Residual position reviewed against current market snapshot.
Recommendation refreshed
10 Feb, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
10 Feb, 09:00
Amelia Clarke / Portfolio Manager
Maturity horizon entry