Case dossier

Case 00420

Isla Turner / Kia Sportage / matures 30 Apr 2026
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Baseline Route
Auction 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 / Customer-support treatment review / Policy review route requires validator release
Expected Delta
£5,819
Publication
3 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
1 months
Monthly payment
£746
Settlement balance
£23,593
Cash release estimate
-£3,082
Balloon amount
£0
Payment behaviour
Irregular
Treatment posture
Care Guided
Hardship status
Watchlist
Mileage actual / expected
21,826 / 17,480
Condition
Poor
Market value
£20,511
Booked residual
£17,057
Current channel
Auction
Vehicle segment
SUV
VT posture
Not eligible / Elevated
Last inspection
14 Mar 2026
Valuation source
Market Signal Feed / 20 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
Irregular payment review trigger / Auction fallback threshold / Vehicle age remains within extension tolerance.
Primary blockers
Irregular payment review trigger / Auction fallback threshold / Extension mileage ceiling / 12-month extension elevated review
Required release
Not required
RouteStatusRelease GateDeltaValueRationaleConstraint
Extend 12 MonthsLead / RecommendedApproval required / Validator£5,819£23,450
12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Re-LeasePermittedApproval required / Validator£5,502£23,133
Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance.
-
Extend 6 MonthsPermittedApproval required / Validator£4,627£22,258
6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable.
-
Trade SalePermittedApproval required / Validator£762£18,393
Trade Sale Disposal is commercially credible for this suv case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner.
-
AuctionBaseline / Current PlanApproval required / Validator£0£17,631
Auction Disposal is commercially credible for this suv case, but current Auction headroom is binding and a lower-friction route can clear sooner.
-
Manual ReviewPermittedApproval required / Validator-£465£17,166
Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release.
-
Digital RetailBlockedApproval required / Validator£2,187£19,818
Blocked by policy: Retail mileage overrun ceiling.
Blocked by Retail mileage overrun ceiling.
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 / Customer-support treatment review / 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 / 3 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
01 Jan, 09:01
SYSTEM / Policy Owner
Default seed generated
Case Identified
01 Jan, 09:00
Sophie Bennett / Portfolio Manager
Maturity horizon entry