Cases
Cases
94 live cases require action in the current scope.
ViewLive Queue94 in scope
Ready Now702 awaiting release
Approval Backlog24 pending release / 8 awaiting submission.
Value At Risk£291.2KBase Market
PublicationData delayed30 Mar, 23:44
Release Queue
94 live cases in scope
| Case | Due / Freshness | Route Move | Delta | Release Gate | Owner | Next Action |
|---|---|---|---|---|---|---|
Grace Graham / Mercedes-Benz Vito / Van | Due 04 Apr 26Touched today | Auction to Re-LeaseApproval return | £3.8KPriority 99 | Returned for rework before releaseReturned for Rework | Amelia Clarkeblocked | Rework returned caseReturned for Rework |
Oliver Price / Kia EV6 / EV | Due 14 Apr 26Touched today | Trade Sale to Extend 12 MonthsApproval return | £5.5KPriority 99 | Returned for rework before releaseReturned for Rework | George Patelblocked | Confirm executionReturned for Rework |
Theo Murphy / BMW 320d / Premium | Due 30 Mar 26Touched today | Digital Retail to Re-LeaseMaturity horizon | £1.9KPriority 99 | Policy review requiredNegative equity escalation trigger | Amelia Clarkewatch | Confirm executionNegative equity escalation trigger |
Sophie Walker / Volkswagen Golf / Hatchback | Due 19 Apr 26Touched today | Auction to Extend 12 MonthsApproval return | £5.4KPriority 99 | Returned for rework before releaseReturned for Rework | Amelia Clarkeblocked | Confirm executionReturned for Rework |
Amelia Bennett / Volkswagen Transporter / Van | Due 05 Apr 26Touched today | Auction to Extend 12 MonthsApproval return | £10.2KPriority 99 | Approval pack requiredApproval Pack Needed | Amelia Clarkeblocked | Submit selected route for approvalApproval Pack Needed |
Benjamin Ellis / Hyundai Tucson / SUV | Due 03 Apr 26Touched today | Trade Sale to Re-LeaseApproval return | £2.2KPriority 99 | Approval pack requiredApproval Pack Needed | Sophie Bennettblocked | Submit selected route for approvalApproval Pack Needed |
Leo Singh / Kia EV6 / EV | Due 10 Apr 26Touched today | Trade Sale to Re-LeaseApproval return | £3KPriority 99 | Returned for rework before releaseReturned for Rework | George Patelblocked | Select route from ranked optionsReturned for Rework |
Lily Jenkins / Toyota Yaris / Hatchback | Due 05 Apr 26Touched today | Auction to Re-LeaseApproval return | £2.4KPriority 99 | Returned for rework before releaseReturned for Rework | George Patelblocked | Select route from ranked optionsReturned for Rework |
Ruby Clarke / Audi A4 / Premium | Due 11 Apr 26Touched today | Auction to Extend 12 MonthsApproval return | £4KPriority 99 | Returned for rework before releaseReturned for Rework | George Patelblocked | Select route from ranked optionsReturned for Rework |
Archie Taylor / Volkswagen Golf / Hatchback | Due 06 Apr 26Touched today | Auction to Re-LeaseApproval return | £1.9KPriority 99 | Returned for rework before releaseReturned for Rework | Sophie Bennettblocked | Select route from ranked optionsReturned for Rework |
Finley Davies / Nissan Qashqai / SUV | Due 10 Apr 26Touched today | Digital Retail to Extend 12 MonthsApproval return | £6.4KPriority 99 | Returned for rework before releaseReturned for Rework | George Patelblocked | Select route from ranked optionsReturned for Rework |
George Patel / Hyundai Kona Electric / EV | Due 02 Apr 26Touched today | Auction to Re-LeaseApproval return | £3.3KPriority 99 | Returned for rework before releaseReturned for Rework | George Patelblocked | Select route from ranked optionsReturned for Rework |
Isla Turner / Tesla Model 3 / EV | Due 12 Apr 26Touched today | Auction to Extend 12 MonthsApproval return | £7.2KPriority 99 | Returned for rework before releaseReturned for Rework | George Patelblocked | Select route from ranked optionsReturned for Rework |
Amelia Bennett / Hyundai Tucson / SUV | Due 02 Apr 26Touched today | Digital Retail to Re-LeaseMaturity horizon | £1.5KPriority 99 | Policy review requiredNegative equity escalation trigger | Sophie Bennettwatch | Select route from ranked optionsNegative equity escalation trigger |
Daniel Roberts / Audi A4 / Premium | Due 28 Mar 26Touched today | Trade Sale to Trade SaleMaturity horizon | £3.7KPriority 98 | Policy review requiredCapacity limited | Amelia Clarkewatch | Confirm executionCapacity limited |
Daniel Roberts / Ford Transit Custom / Van | Due 02 Apr 26Touched today | Trade Sale to Extend 12 MonthsMaturity horizon | £8.9KPriority 97 | Policy review required12-month extension age ceiling | George Patelwatch | Select route from ranked options12-month extension age ceiling |
Jessica Wilson / Volkswagen Golf / Hatchback | Due 31 Mar 26Touched today | Trade Sale to Digital RetailMaturity horizon | £1.6KPriority 94 | Policy review requiredPolicy Review Required | George Patelwatch | Confirm executionPolicy Review Required |
Finley Davies / Mercedes-Benz C 220 / Premium | Due 25 Apr 26Touched today | Trade Sale to Re-LeaseApproval return | £3.1KPriority 94 | Returned for rework before releaseReturned for Rework | Sophie Bennettblocked | Select route from ranked optionsReturned for Rework |
Grace Graham / Mercedes-Benz Vito / Van | Due 29 Mar 26Touched today | Trade Sale to Trade SaleMaturity horizon | £3.8KPriority 92 | Policy review requiredCapacity limited | George Patelwatch | Confirm executionCapacity limited |
Theo Murphy / Hyundai Kona Electric / EV | Due 04 Apr 26Touched today | Trade Sale to Trade SaleMaturity horizon | £2.8KPriority 91 | Policy review requiredPolicy Review Required | George Patelwatch | Confirm executionPolicy Review Required |
Jacob Fisher / Hyundai Kona Electric / EV | Due 03 Apr 26Touched today | Trade Sale to Re-LeaseMaturity horizon | £2.7KPriority 91 | Policy review requiredAuction fallback threshold | Amelia Clarkewatch | Select route from ranked optionsAuction fallback threshold |
Mia Watson / Kia Sportage / SUV | Due 29 Mar 26Touched today | Trade Sale to Extend 6 MonthsMaturity horizon | £3KPriority 90 | Policy review requiredPolicy Review Required | George Patelwatch | Confirm executionPolicy Review Required |
Jack Mason / Kia Sportage / SUV | Due 10 Apr 26Touched today | Trade Sale to Re-LeaseMaturity horizon | £2.2KPriority 90 | Policy review requiredAuction fallback threshold | Amelia Clarkewatch | Select route from ranked optionsAuction fallback threshold |
Lily Jenkins / Toyota Yaris / Hatchback | Due 31 Mar 26Touched today | Trade Sale to Re-LeaseMaturity horizon | £1.9KPriority 90 | Policy review requiredAuction fallback threshold | Sophie Bennettwatch | Select route from ranked optionsAuction fallback threshold |
Finley Davies / Kia Sportage / SUV | Due 31 Mar 26Touched today | Digital Retail to Re-LeaseMaturity horizon | £1.4KPriority 90 | Policy review requiredPolicy Review Required | Sophie Bennettwatch | Select route from ranked optionsPolicy Review Required |
George Patel / BMW 320d / Premium | Due 30 Mar 26Touched today | Trade Sale to Extend 12 MonthsApproval return | £6.8KPriority 90 | Returned for rework before releaseReturned for Rework | George Patelblocked | Select route from ranked optionsReturned for Rework |
Archie Taylor / Audi A4 / Premium | Due 09 Apr 26Touched today | Auction to Re-LeaseApproval return | £4.6KPriority 89 | Returned for rework before releaseReturned for Rework | George Patelblocked | Select route from ranked optionsReturned for Rework |
Amelia Bennett / Toyota Yaris / Hatchback | Due 04 Apr 26Touched today | Trade Sale to Re-LeaseMaturity horizon | £1.7KPriority 89 | Policy review requiredAuction fallback threshold | Sophie Bennettwatch | Select route from ranked optionsAuction fallback threshold |
Leo Singh / Nissan Qashqai / SUV | Due 21 Apr 26Touched today | Digital Retail to Re-LeaseMaturity horizon | £1.7KPriority 89 | Policy review requiredIrregular payment review trigger | George Patelwatch | Select route from ranked optionsIrregular payment review trigger |
Benjamin Ellis / BMW 320d / Premium | Due 07 Apr 26Touched today | Digital Retail to Re-LeaseMaturity horizon | £2.3KPriority 89 | Policy review requiredPolicy Review Required | Amelia Clarkewatch | Select route from ranked optionsPolicy Review Required |
Jacob Fisher / Volkswagen Golf / Hatchback | Due 01 Apr 26Touched today | Trade Sale to Re-LeaseMaturity horizon | £2KPriority 88 | Policy review requiredAuction fallback threshold | Sophie Bennettwatch | Select route from ranked optionsAuction fallback threshold |
George Patel / Hyundai Kona Electric / EV | Due 20 Apr 26Touched today | Trade Sale to Extend 12 MonthsApproval return | £9.1KPriority 88 | Returned for rework before releaseReturned for Rework | Amelia Clarkeblocked | Select route from ranked optionsReturned for Rework |
Amelia Bennett / Volkswagen Transporter / Van | Due 17 Apr 26Touched today | Auction to Extend 12 MonthsMaturity horizon | £10.1KPriority 85 | Policy review requiredAuction fallback threshold | George Patelwatch | Select route from ranked optionsAuction fallback threshold |
Thomas Foster / Tesla Model 3 / EV | Due 22 Apr 26Touched today | Trade Sale to Extend 12 MonthsApproval return | £4.8KPriority 85 | Returned for rework before releaseReturned for Rework | Amelia Clarkeblocked | Select route from ranked optionsReturned for Rework |
Freya Ward / Mercedes-Benz Vito / Van | Due 07 Apr 26Touched today | Auction to Extend 12 MonthsMaturity horizon | £10.6KPriority 84 | Policy review requiredAuction fallback threshold | Sophie Bennettwatch | Select route from ranked optionsAuction fallback threshold |
Leo Singh / Kia Sportage / SUV | Due 23 Apr 26Touched today | Digital Retail to Re-LeaseApproval return | £1.6KPriority 83 | Returned for rework before releaseReturned for Rework | George Patelblocked | Select route from ranked optionsReturned for Rework |
Oliver Price / Ford Transit Custom / Van | Due 25 Apr 26Touched today | Auction to Extend 12 MonthsMaturity horizon | £9.4KPriority 83 | Policy review requiredAuction fallback threshold | Amelia Clarkewatch | Select route from ranked optionsAuction fallback threshold |
Sophie Walker / Nissan Qashqai / SUV | Due 26 Apr 26Touched today | Digital Retail to Re-LeaseApproval return | £1.2KPriority 82 | Returned for rework before releaseReturned for Rework | George Patelblocked | Select route from ranked optionsReturned for Rework |
Ava Khan / Nissan Qashqai / SUV | Due 29 Mar 26Touched today | Digital Retail to Extend 12 MonthsMaturity horizon | £3.4KPriority 81 | Policy review requiredPolicy Review Required | Sophie Bennettwatch | Select route from ranked optionsPolicy Review Required |
Grace Graham / Kia Sportage / SUV | Due 09 Apr 26Touched today | Trade Sale to Extend 12 MonthsMaturity horizon | £3.8KPriority 81 | Policy review required12-month extension age ceiling | Amelia Clarkewatch | Select route from ranked options12-month extension age ceiling |
Benjamin Ellis / Toyota Yaris / Hatchback | Due 06 Apr 26Touched today | Trade Sale to Re-LeaseMaturity horizon | £1.7KPriority 80 | Policy review requiredAuction fallback threshold | Sophie Bennettwatch | Select route from ranked optionsAuction fallback threshold |
Archie Taylor / Volkswagen Transporter / Van | Due 18 Apr 26Touched today | Auction to Extend 12 MonthsMaturity horizon | £10.2KPriority 79 | Policy review requiredAuction fallback threshold | Amelia Clarkewatch | Select route from ranked optionsAuction fallback threshold |
Freya Ward / Ford Fiesta / Hatchback | Due 31 Mar 26Touched today | Trade Sale to Re-LeaseMaturity horizon | £2KPriority 77 | Policy review requiredPolicy Review Required | Amelia Clarkewatch | Select route from ranked optionsPolicy Review Required |
Ella Hughes / Audi A4 / Premium | Due 04 Apr 26Touched today | Digital Retail to Re-LeaseMaturity horizon | £2.2KPriority 77 | Policy review requiredPolicy Review Required | Amelia Clarkewatch | Select route from ranked optionsPolicy Review Required |
Grace Graham / Volkswagen Transporter / Van | Due 16 Apr 26Touched today | Trade Sale to Extend 12 MonthsMaturity horizon | £9.6KPriority 76 | Policy review required12-month extension age ceiling | Amelia Clarkewatch | Select route from ranked options12-month extension age ceiling |
Harry Campbell / Nissan Qashqai / SUV | Due 23 Apr 26Touched today | Re-Lease to Re-LeaseApproval return | £0Priority 75 | Returned for rework before releaseReturned for Rework | Sophie Bennettblocked | Select route from ranked optionsReturned for Rework |
Lucas Edwards / Hyundai Tucson / SUV | Due 20 Apr 26Touched today | Digital Retail to Re-LeaseMaturity horizon | £1.5KPriority 75 | Policy review requiredPolicy Review Required | Amelia Clarkewatch | Select route from ranked optionsPolicy Review Required |
Thomas Foster / Nissan Qashqai / SUV | Due 11 Apr 26Touched today | Digital Retail to Extend 12 MonthsMaturity horizon | £5.9KPriority 75 | Policy review requiredPolicy Review Required | George Patelwatch | Select route from ranked optionsPolicy Review Required |
Oscar Hall / Ford Transit Custom / Van | Due 04 Apr 26Touched today | Trade Sale to Extend 12 MonthsMaturity horizon | £4.1KPriority 74 | Policy review requiredPolicy Review Required | George Patelwatch | Select route from ranked optionsPolicy Review Required |
Jessica Wilson / Ford Fiesta / Hatchback | Due 01 Apr 26Touched today | Re-Lease to Re-LeaseMaturity horizon | £0Priority 72 | Policy review requiredPolicy Review Required | George Patelwatch | Select route from ranked optionsPolicy Review Required |
Archie Taylor / Volkswagen Golf / Hatchback | Due 26 Apr 26Touched today | Trade Sale to Extend 12 MonthsMaturity horizon | £5.3KPriority 71 | Policy review requiredIrregular payment review trigger | George Patelwatch | Select route from ranked optionsIrregular payment review trigger |
Ruby Clarke / Nissan Qashqai / SUV | Due 20 Apr 26Touched today | Digital Retail to Re-LeaseMaturity horizon | £1.5KPriority 71 | Policy review requiredPolicy Review Required | Sophie Bennettwatch | Select route from ranked optionsPolicy Review Required |
Jack Mason / Toyota Yaris / Hatchback | Due 04 Apr 26Touched today | Trade Sale to Extend 12 MonthsMaturity horizon | £5.1KPriority 71 | Policy review requiredPolicy Review Required | George Patelwatch | Select route from ranked optionsPolicy Review Required |
Jessica Wilson / Volkswagen Golf / Hatchback | Due 25 Apr 26Touched today | Trade Sale to Re-LeaseMaturity horizon | £2.2KPriority 70 | Policy review requiredPolicy Review Required | Amelia Clarkewatch | Select route from ranked optionsPolicy Review Required |
Oscar Hall / Toyota Yaris / Hatchback | Due 06 Apr 26Touched today | Trade Sale to Extend 12 MonthsMaturity horizon | £5.1KPriority 70 | Policy review requiredExtension mileage ceiling | Sophie Bennettwatch | Select route from ranked optionsExtension mileage ceiling |
Benjamin Ellis / Ford Transit Custom / Van | Due 23 Apr 26Touched today | Trade Sale to Extend 12 MonthsMaturity horizon | £4.1KPriority 70 | Policy review required12-month extension age ceiling | George Patelwatch | Select route from ranked options12-month extension age ceiling |
George Patel / Volkswagen Golf / Hatchback | Due 17 Apr 26Touched today | Trade Sale to Re-LeaseMaturity horizon | £1.8KPriority 70 | Policy review requiredPolicy Review Required | Amelia Clarkewatch | Select route from ranked optionsPolicy Review Required |
Thomas Foster / Ford Transit Custom / Van | Due 01 Apr 26Touched today | Auction to Extend 12 MonthsMaturity horizon | £6.5KPriority 68 | Policy review requiredExtension mileage ceiling | Sophie Bennettwatch | Select route from ranked optionsExtension mileage ceiling |
Oliver Price / Mercedes-Benz C 220 / Premium | Due 02 Apr 26Touched today | Digital Retail to Re-LeaseMaturity horizon | £1.8KPriority 68 | Policy review requiredPolicy Review Required | Sophie Bennettwatch | Select route from ranked optionsPolicy Review Required |
Jessica Wilson / Nissan Qashqai / SUV | Due 25 Apr 26Touched today | Auction to Extend 12 MonthsMaturity horizon | £7.7KPriority 68 | Policy review requiredStressed payment manual review | Amelia Clarkewatch | Select route from ranked optionsStressed payment manual review |
Benjamin Ellis / Mercedes-Benz C 220 / Premium | Due 09 Apr 26Touched today | Digital Retail to Re-LeaseMaturity horizon | £3.4KPriority 66 | Policy review requiredPolicy Review Required | Amelia Clarkewatch | Select route from ranked optionsPolicy Review Required |
Jack Mason / Ford Fiesta / Hatchback | Due 23 Apr 26Touched today | Trade Sale to Re-LeaseMaturity horizon | £1.3KPriority 64 | Policy review requiredPolicy Review Required | George Patelwatch | Select route from ranked optionsPolicy Review Required |
Ruby Clarke / Toyota Yaris / Hatchback | Due 11 Apr 26Touched today | Trade Sale to Re-LeaseMaturity horizon | £2.6KPriority 64 | Policy review requiredPolicy Review Required | Amelia Clarkewatch | Select route from ranked optionsPolicy Review Required |
Jessica Wilson / Ford Transit Custom / Van | Due 30 Mar 26Touched today | Trade Sale to Extend 12 MonthsMaturity horizon | £5.7KPriority 64 | Policy review requiredPolicy Review Required | Sophie Bennettwatch | Select route from ranked optionsPolicy Review Required |
Harry Campbell / Volkswagen Transporter / Van | Due 30 Mar 26Touched today | Trade Sale to Re-LeaseMaturity horizon | £3.9KPriority 64 | Policy review requiredPolicy Review Required | Sophie Bennettwatch | Select route from ranked optionsPolicy Review Required |
Mia Watson / Audi A4 / Premium | Due 09 Apr 26Touched today | Trade Sale to Extend 12 MonthsMaturity horizon | £5KPriority 63 | Policy review requiredAuction fallback threshold | Amelia Clarkewatch | Select route from ranked optionsAuction fallback threshold |
Theo Murphy / Ford Fiesta / Hatchback | Due 08 Apr 26Touched today | Trade Sale to Re-LeaseMaturity horizon | £1.7KPriority 63 | Policy review requiredPolicy Review Required | Amelia Clarkewatch | Select route from ranked optionsPolicy Review Required |
Freya Ward / Kia Sportage / SUV | Due 20 Apr 26Touched today | Digital Retail to Re-LeaseMaturity horizon | £1.5KPriority 63 | Policy review requiredPolicy Review Required | Amelia Clarkewatch | Select route from ranked optionsPolicy Review Required |
Oscar Hall / BMW 320d / Premium | Due 31 Mar 26Touched today | Trade Sale to Extend 12 MonthsMaturity horizon | £10.4KPriority 62 | Policy review requiredExtension mileage ceiling | Amelia Clarkewatch | Select route from ranked optionsExtension mileage ceiling |
Mia Watson / Volkswagen Transporter / Van | Due 18 Apr 26Touched today | Trade Sale to Re-LeaseMaturity horizon | £3.7KPriority 58 | Policy review requiredPolicy Review Required | George Patelwatch | Select route from ranked optionsPolicy Review Required |
Finley Davies / Volkswagen Transporter / Van | Due 05 Apr 26Touched today | Auction to Re-LeaseMaturity horizon | £4.4KPriority 57 | Policy review requiredAuction fallback threshold | George Patelwatch | Select route from ranked optionsAuction fallback threshold |
Leo Singh / Nissan Qashqai / SUV | Due 13 Apr 26Touched today | Digital Retail to Re-LeaseMaturity horizon | £2.2KPriority 57 | Policy review requiredPolicy Review Required | George Patelwatch | Select route from ranked optionsPolicy Review Required |
Case Actioning
Selected Case
Case 00027 / Benjamin Ellis
Hyundai Tucson / PCP / SUV
Route move
Trade Sale to Re-Lease
Lead route
Re-Lease
Expected delta
£2.2K
Release call
Approval pack required
Next action
Submit selected route for approval
Timing
03 Apr 26
Touched 30 Mar, 23:44
Recommended Route
Re-Lease
Re-lease holds the strongest retained-value position while mileage, vehicle age, and watch payment posture remain inside tolerance.
Closest Alternative
Extend 12 Months
Gap £507.6
Extend 12 Months does not displace the lead route because it trails by £508; it remains in review-required posture.
Approval pack required
Commercial Waterfall
ItemMovementRunning Value
Baseline route-£8.9K
Retained Value£2.1K£11K
Channel Cost£110£11.1K
VT Risk-£3£11.1K
Servicing Load-£20£11K
Time Drag-£3.5£11K
Recommended route value£2.2K£11K
Release Interlocks
Evidencewatch
1 source inputs need review before actioning.
Policywatch
Negative equity escalation trigger
Approvalwatch
Approval packaging is still required before execution.
Separation of Dutiesready
Approval required before submission
Operating Notewatch
No operating note has been left on the case yet.
Change Since Publication
Case activity moved after the active publication at 30 Mar, 23:44.
Latest case history update landed after publication: Recommendation accepted.
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re Lease | Lead / Selected / Recommended | Approval required / Validator | £2.2K | £11K | Re-lease holds the strongest retained-value position while mileage, vehicle age, and watch payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | Approval required / Validator | £1.7K | £10.5K | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £1.6K | £10.4K | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale Disposal | Baseline / Current Plan | Approval required / Validator | £0 | £8.9K | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Auction Disposal | Permitted | Approval required / Validator | -£451.4 | £8.4K | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |
| Manual Exception Review | Permitted | Approval required / Validator | -£706 | £8.1K | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Digital Retail Disposal | Blocked | Release clear | £811.9 | £9.7K | Blocked by policy: Retail mileage overrun ceiling. | Blocked by Retail mileage overrun ceiling. |
Evidence & Notes
Publication Context
Published 30 Mar, 23:44.
Negative equity escalation trigger
Freshness
1 source inputs need review before actioning.
Latest Note
No operating note has been recorded on the case yet.
Latest History
Recommended path selected
Portfolio Manager30 Mar, 23:44
Recommendation accepted
Amelia Clarke
Recommended path selected
Policy Owner30 Mar, 23:44
Decision inputs captured
SYSTEM
Decision inputs captured
Policy Owner30 Mar, 23:44
Decision snapshot published
SYSTEM
Default seed generated
Policy Owner01 Jan, 09:01
Recommendation refreshed
SYSTEM
Default seed generated
Portfolio Manager01 Jan, 09:00
Case Identified
Sophie Bennett
Maturity horizon entry
Amelia ClarkePortfolio Manager / In Review / Not Required
Approval Required / Validator approval is required before execution.
Watchlists
Watchlists stay hidden while the scope is filtered or narrow.
Selected Case
Case 00027 / Benjamin Ellis
Hyundai Tucson / PCP / SUV
Route move
Trade Sale to Re-Lease
Lead route
Re-Lease
Expected delta
£2.2K
Release call
Approval pack required
Next action
Submit selected route for approval
Timing
03 Apr 26
Touched 30 Mar, 23:44
Amelia ClarkePortfolio Manager / In Review / Not Required
Approval Required / Validator approval is required before execution.
Recommended Route
Re-Lease
Re-lease holds the strongest retained-value position while mileage, vehicle age, and watch payment posture remain inside tolerance.
Closest Alternative
Extend 12 Months
Gap £507.6
Extend 12 Months does not displace the lead route because it trails by £508; it remains in review-required posture.
Approval pack required
Commercial Waterfall
ItemMovementRunning Value
Baseline route-£8.9K
Retained Value£2.1K£11K
Channel Cost£110£11.1K
VT Risk-£3£11.1K
Servicing Load-£20£11K
Time Drag-£3.5£11K
Recommended route value£2.2K£11K
Release Interlocks
Evidencewatch
1 source inputs need review before actioning.
Policywatch
Negative equity escalation trigger
Approvalwatch
Approval packaging is still required before execution.
Separation of Dutiesready
Approval required before submission
Operating Notewatch
No operating note has been left on the case yet.
Change Since Publication
Case activity moved after the active publication at 30 Mar, 23:44.
Latest case history update landed after publication: Recommendation accepted.
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re Lease | Lead / Selected / Recommended | Approval required / Validator | £2.2K | £11K | Re-lease holds the strongest retained-value position while mileage, vehicle age, and watch payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | Approval required / Validator | £1.7K | £10.5K | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £1.6K | £10.4K | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale Disposal | Baseline / Current Plan | Approval required / Validator | £0 | £8.9K | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Auction Disposal | Permitted | Approval required / Validator | -£451.4 | £8.4K | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |
| Manual Exception Review | Permitted | Approval required / Validator | -£706 | £8.1K | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Digital Retail Disposal | Blocked | Release clear | £811.9 | £9.7K | Blocked by policy: Retail mileage overrun ceiling. | Blocked by Retail mileage overrun ceiling. |
Evidence & Notes
Publication Context
Published 30 Mar, 23:44.
Negative equity escalation trigger
Freshness
1 source inputs need review before actioning.
Latest Note
No operating note has been recorded on the case yet.
Latest History
Recommended path selected
Portfolio Manager30 Mar, 23:44
Recommendation accepted
Amelia Clarke
Recommended path selected
Policy Owner30 Mar, 23:44
Decision inputs captured
SYSTEM
Decision inputs captured
Policy Owner30 Mar, 23:44
Decision snapshot published
SYSTEM
Default seed generated
Policy Owner01 Jan, 09:01
Recommendation refreshed
SYSTEM
Default seed generated
Portfolio Manager01 Jan, 09:00
Case Identified
Sophie Bennett
Maturity horizon entry