| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Extend 12 Months | Lead / Recommended | Approval required / Validator | £3,117 | £7,271 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Re-Lease | Permitted | Approval required / Validator | £2,691 | £6,844 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £2,257 | £6,411 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail | Permitted | Approval required / Validator | £416 | £4,570 | Digital Retail Disposal is commercially credible for this hatchback case, but current Digital Retail headroom is binding and a lower-friction route can clear sooner. | - |
| Trade Sale | Baseline / Current Plan | Approval required / Validator | £0 | £4,154 | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Manual Review | Permitted | Approval required / Validator | -£370 | £3,783 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Auction | Permitted | Approval required / Validator | -£251 | £3,903 | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |