| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re Lease | Recommended | Approval required / Validator | £3.4K | £12.9K | Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | Approval required / Validator | £3.1K | £12.6K | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £2.7K | £12.2K | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale Disposal | Permitted | Approval required / Validator | £505.3 | £10K | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Auction Disposal | Baseline / Current Plan | Approval required / Validator | £0 | £9.5K | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |
| Manual Exception Review | Lead / Selected / Permitted | Approval required / Validator | -£291 | £9.2K | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Digital Retail Disposal | Blocked | Approval required / Validator | £1.4K | £10.9K | Blocked by policy: Digital retail segment eligibility. | Blocked by Digital retail segment eligibility. |
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re Lease | Recommended | Approval required / Validator | £3.4K | £12.9K | Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | Approval required / Validator | £3.1K | £12.6K | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £2.7K | £12.2K | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale Disposal | Permitted | Approval required / Validator | £505.3 | £10K | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Auction Disposal | Baseline / Current Plan | Approval required / Validator | £0 | £9.5K | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |
| Manual Exception Review | Lead / Selected / Permitted | Approval required / Validator | -£291 | £9.2K | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Digital Retail Disposal | Blocked | Approval required / Validator | £1.4K | £10.9K | Blocked by policy: Digital retail segment eligibility. | Blocked by Digital retail segment eligibility. |