| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re Lease | Lead / Selected / Permitted | Approval required / Validator | £1.8K | £5.5K | 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 | £1.4K | £5.1K | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £1.3K | £5K | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail Disposal | Permitted | Approval required / Validator | £650.9 | £4.4K | Digital retail is carrying the best net disposal value for this hatchback unit after timing, fees, and residual drag are applied. | - |
| Trade Sale Disposal | Permitted | Approval required / Validator | £245.4 | £4K | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Manual Exception Review | Permitted | Approval required / Validator | -£115.4 | £3.6K | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Auction Disposal | Baseline / Current Plan | Approval required / Validator | £0 | £3.7K | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re Lease | Lead / Selected / Permitted | Approval required / Validator | £1.8K | £5.5K | 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 | £1.4K | £5.1K | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £1.3K | £5K | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail Disposal | Permitted | Approval required / Validator | £650.9 | £4.4K | Digital retail is carrying the best net disposal value for this hatchback unit after timing, fees, and residual drag are applied. | - |
| Trade Sale Disposal | Permitted | Approval required / Validator | £245.4 | £4K | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Manual Exception Review | Permitted | Approval required / Validator | -£115.4 | £3.6K | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Auction Disposal | Baseline / Current Plan | Approval required / Validator | £0 | £3.7K | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |