Case dossier

Case 00410

Freya Ward / Kia EV6 / matures 22 Jul 2026
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Baseline Route
Trade Sale 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
£5,461
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
HP
Remaining term
4 months
Monthly payment
£809
Settlement balance
£16,369
Cash release estimate
-£4,182
Balloon amount
£0
Payment behaviour
Watch
Treatment posture
Standard
Hardship status
None
Mileage actual / expected
55,734 / 45,100
Condition
Poor
Market value
£12,187
Booked residual
£24,313
Current channel
Trade Sale
Vehicle segment
EV
VT posture
Not eligible / High
Last inspection
17 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
Auction fallback threshold / 12-month extension age ceiling / Residual pressure is compressing uplift on disposal and extension routes.
Primary blockers
Auction fallback threshold / 12-month extension age ceiling / Residual tolerance for PCP extension / Negative equity escalation trigger
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Extend 12 MonthsLead / RecommendedApproval required / Validator£5,461£14,430
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Re-LeasePermittedApproval required / Validator£4,603£13,572
Re-lease holds the strongest retained-value position while mileage, vehicle age, and watch payment posture remain inside tolerance.
-
Extend 6 MonthsPermittedApproval required / Validator£3,883£12,852
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Trade SaleBaseline / Current PlanApproval required / Validator£0£8,969
Trade Sale Disposal is commercially credible for this ev case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner.
-
AuctionPermittedApproval required / Validator-£486£8,483
Auction Disposal is commercially credible for this ev case, but current Auction headroom is binding and a lower-friction route can clear sooner.
-
Manual ReviewPermittedApproval required / Validator-£765£8,204
Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
-
Digital RetailBlockedNo approval gate£881£9,850
Blocked by policy: Digital retail segment eligibility.
Blocked by Digital retail segment eligibility.
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
Auction fallback threshold
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
24 Mar, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
24 Mar, 09:00
George Patel / Portfolio Manager
Maturity horizon entry