Case dossier
Case 00403
Jack Mason / Hyundai Tucson / matures 15 Jul 2026
Baseline Route
Re Lease
Lead Route
Re Lease
Selected Route
No route actioned
Release Call
Release clear / No second-line release required.
Policy review route requires validator release
Expected Delta
£0
Publication
1 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
- 4 months
- Monthly payment
- £339
- Settlement balance
- £20,852
- Cash release estimate
- £5,760
- Balloon amount
- £12,404
- Payment behaviour
- Irregular
- Treatment posture
- Standard
- Hardship status
- None
- Mileage actual / expected
- 16,153 / 19,000
- Condition
- Excellent
- Market value
- £26,612
- Booked residual
- £17,227
- Current channel
- Unassigned
- Vehicle segment
- SUV
- VT posture
- Not eligible / Low
- Last inspection
- 14 Mar 2026
- Valuation source
- Market Signal Feed / 18 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. / Payment arrears are raising servicing drag and treatment scrutiny.
- Primary blockers
- Irregular payment review trigger / Policy review route requires validator release
- Required release
- Not required
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Baseline / Recommended | Approval required / Validator | £0 | £28,061 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance. | - |
| Digital Retail | Permitted | Approval required / Validator | -£1,096 | £26,965 | Digital retail is carrying the best net disposal value for this suv unit after timing, fees, and residual drag are applied. | - |
| Extend 6 Months | Permitted | Approval required / Validator | -£1,108 | £26,953 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 12 Months | Permitted | Approval required / Validator | -£1,559 | £26,502 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale | Permitted | Approval required / Validator | -£3,020 | £25,041 | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Auction | Permitted | Approval required / Validator | -£4,035 | £24,026 | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |
| Manual Review | Permitted | Approval required / Validator | -£4,671 | £23,390 | 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
- 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 / 1 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
17 Mar, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
17 Mar, 09:00
Amelia Clarke / Portfolio Manager
Maturity horizon entry