Case dossier

Case 00411

Harry Campbell / Kia Sportage / matures 12 May 2026
Return to queue
Baseline Route
Auction Disposal
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
£4,043
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
2 months
Monthly payment
£372
Settlement balance
£17,914
Cash release estimate
£7,027
Balloon amount
£13,461
Payment behaviour
Irregular
Treatment posture
Standard
Hardship status
None
Mileage actual / expected
17,160 / 18,400
Condition
Excellent
Market value
£24,941
Booked residual
£18,696
Current channel
Auction
Vehicle segment
SUV
VT posture
Not eligible / Elevated
Last inspection
13 Mar 2026
Valuation source
Market Signal Feed / 20 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
RouteStatusRelease GateDeltaValueRationaleConstraint
Re-LeaseLead / RecommendedApproval required / Validator£4,043£26,300
Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance.
-
Extend 6 MonthsPermittedApproval required / Validator£3,008£25,265
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Extend 12 MonthsPermittedApproval required / Validator£2,756£25,013
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Digital RetailPermittedApproval required / Validator£2,731£24,989
Digital retail is carrying the best net disposal value for this suv unit after timing, fees, and residual drag are applied.
-
Trade SalePermittedApproval required / Validator£945£23,203
Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route.
-
AuctionBaseline / Current PlanApproval required / Validator£0£22,257
Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision.
-
Manual ReviewPermittedApproval required / Validator-£588£21,669
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
12 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
12 Jan, 09:00
Sophie Bennett / Portfolio Manager
Maturity horizon entry