| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re Lease | Lead / Recommended | Release clear | £1.2K | £31.3K | Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | Release clear | £913.6 | £31K | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Baseline / Current Plan | Release clear | £0 | £30.1K | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail Disposal | Permitted | Approval required / Validator | -£2.1K | £28K | Digital Retail Disposal is commercially credible for this premium case, but current Digital Retail headroom is binding and a lower-friction route can clear sooner. | - |
| Trade Sale Disposal | Permitted | Approval required / Validator | -£4.1K | £26K | Trade Sale Disposal is commercially credible for this premium case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner. | - |
| Auction Disposal | Permitted | Approval required / Validator | -£5.1K | £24.9K | Auction Disposal is commercially credible for this premium case, but current Auction headroom is binding and a lower-friction route can clear sooner. | - |
| Manual Exception Review | Permitted | Approval required / Validator | -£5.8K | £24.3K | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re Lease | Lead / Recommended | Release clear | £1.2K | £31.3K | Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | Release clear | £913.6 | £31K | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Baseline / Current Plan | Release clear | £0 | £30.1K | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail Disposal | Permitted | Approval required / Validator | -£2.1K | £28K | Digital Retail Disposal is commercially credible for this premium case, but current Digital Retail headroom is binding and a lower-friction route can clear sooner. | - |
| Trade Sale Disposal | Permitted | Approval required / Validator | -£4.1K | £26K | Trade Sale Disposal is commercially credible for this premium case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner. | - |
| Auction Disposal | Permitted | Approval required / Validator | -£5.1K | £24.9K | Auction Disposal is commercially credible for this premium case, but current Auction headroom is binding and a lower-friction route can clear sooner. | - |
| Manual Exception Review | Permitted | Approval required / Validator | -£5.8K | £24.3K | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |