| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Extend 12 Months | Lead / Recommended | Approval required / Validator | £3,283 | £8,088 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Re-Lease | Permitted | Approval required / Validator | £2,823 | £7,628 | 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 | £2,374 | £7,179 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail | Permitted | Approval required / Validator | £455 | £5,259 | 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 | £4,805 | 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 | -£403 | £4,402 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Auction | Permitted | Approval required / Validator | -£270 | £4,534 | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |