Case 00038 / Harry Campbell
Frozen recommendation evidence, ranked alternatives, source lineage, and publication context for the selected case.
Lead route
Re-Lease
Approval
Not Required
Policy
Permitted
Expected delta
£3.8K
Decision cycle
01 Apr, 09:20
Policy Owner / Default Seed Generated
Live publication
01 Apr, 09:20
420 recommendation changes across 420 cases.
Recommendation and approval logic
- Current plan
- Trade Sale
- Recommended path
- Re-Lease
- Selected path
- Re-Lease
- Current plan value
- £15.6K
- Recommended value
- £19.4K
- Top drivers
- Payment arrears are raising servicing drag and treatment scrutiny.
Frozen rationale
Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance.
Policy hits
Passed
6-month extension age ceiling / Arrears ceiling / Auction fallback threshold / EV volatility review trigger / Negative equity escalation trigger / Residual tolerance for PCP extension / Retail mileage overrun ceiling / Stale valuation review / Treatment posture exception route / Van mileage threshold / Van route age threshold
Blocked
Digital retail segment eligibility
Review Required
12-month extension age ceiling / Extension mileage ceiling / Minimum value floor for non-manual routing
Ranked alternatives and route economics
| Route | Status | Delta | Expected value | Approval | Policy hits | Rationale |
|---|---|---|---|---|---|---|
| Re-Lease | Permitted / Not Applicable / Permitted | £3.8K | £19.4K | No approval gate | Passed: Arrears ceiling, Treatment posture exception route, Negative equity escalation trigger, EV volatility review trigger, Stale valuation review, Van mileage threshold, Van route age threshold / Blocked: / Review Required: | Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance. |
| Extend 12 Months | Permitted / Not Applicable / Review Required | £3.7K | £19.3K | Approval required | Passed: Arrears ceiling, 6-month extension age ceiling, Residual tolerance for PCP extension, Treatment posture exception route, Negative equity escalation trigger, EV volatility review trigger, Stale valuation review, Van mileage threshold, Van route age threshold / Blocked: / Review Required: 12-month extension age ceiling, Extension mileage ceiling | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. |
| Extend 6 Months | Permitted / Not Applicable / Review Required | £3K | £18.6K | Approval required | Passed: Arrears ceiling, 6-month extension age ceiling, Residual tolerance for PCP extension, Treatment posture exception route, Negative equity escalation trigger, EV volatility review trigger, Stale valuation review, Van mileage threshold, Van route age threshold / Blocked: / Review Required: 12-month extension age ceiling | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. |
| Trade Sale | Current Plan / Capacity Limited / Permitted | £0 | £15.6K | No approval gate | Passed: Arrears ceiling, Treatment posture exception route, Negative equity escalation trigger, EV volatility review trigger, Stale valuation review, Van mileage threshold, Van route age threshold / Blocked: / Review Required: | Trade Sale Disposal is commercially credible for this van case, but current Trade Sale headroom is binding and a lower-friction route can clear sooner. |
| Auction | Permitted / Capacity Limited / Review Required | -£659.1 | £15K | Approval required | Passed: Arrears ceiling, Auction fallback threshold, Treatment posture exception route, Negative equity escalation trigger, EV volatility review trigger, Stale valuation review, Van mileage threshold, Van route age threshold / Blocked: / Review Required: Minimum value floor for non-manual routing | Auction Disposal is commercially credible for this van case, but current Auction headroom is binding and a lower-friction route can clear sooner. |
| Manual Review | Permitted / Not Applicable / Permitted | -£1.1K | £14.6K | Approval required | Passed: / Blocked: / Review Required: | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. |
| Digital Retail | Blocked / Available / Blocked | £1.2K | £16.8K | No approval gate | Passed: Arrears ceiling, Treatment posture exception route, Negative equity escalation trigger, EV volatility review trigger, Stale valuation review, Retail mileage overrun ceiling, Van mileage threshold, Van route age threshold / Blocked: Digital retail segment eligibility / Review Required: | Blocked by policy: Digital retail segment eligibility. |
Source feeds, snapshots, and batch posture
Inspection and mileage feed
Attention
420 records aligned; 142 held rows across mileage.
Batch BAT-IH-000002
As of 18 Mar, 00:00
Captured 01 Apr, 09:20
420 ingested / 142 held out / Mileage
Market signal feed
Ready
714 records aligned to the live publication.
Batch BAT-MSF-000002
As of 01 Apr, 09:20
Captured 01 Apr, 09:20
714 ingested / 0 held out / Market, Valuation
Residual valuation feed
Ready
126 records aligned to the live publication.
Batch BAT-RW-000002
As of 24 Mar, 00:00
Captured 01 Apr, 09:20
126 ingested / 0 held out / Valuation
Servicing behaviour feed
Attention
420 records aligned; 114 held rows across payment.
Batch BAT-SC-000002
As of 26 Mar, 00:00
Captured 01 Apr, 09:20
420 ingested / 114 held out / Payment
Treatment and hardship feed
Attention
420 records aligned; 67 held rows across treatment.
Batch BAT-TD-000002
As of 01 Apr, 09:20
Captured 01 Apr, 09:20
420 ingested / 67 held out / Treatment
Frozen evidence used for this recommendation
Valuation / Market Signal Feed
Frozen snapshot reference recorded
Fresh
- As of
- 22 Mar, 00:00
- Captured
- 01 Apr, 09:20
Market Value Estimate
16926.84
Booked Residual Value
16769.93
Cash Release Estimate
5610.48
Mileage / Inspections Hub
Frozen snapshot reference recorded
Fresh
- As of
- 27 Feb, 00:00
- Captured
- 01 Apr, 09:20
Mileage Actual
76016
Mileage Expected
69920
Mileage Ratio
1.0872
Payment / Servicing Core
Frozen snapshot reference recorded
Fresh
- As of
- 21 Mar, 00:00
- Captured
- 01 Apr, 09:20
Arrears Count
1
Last Payment Date
2026-03-21
Settlement Balance
11316.35
Treatment / Treatment Desk
Frozen snapshot reference recorded
Fresh
- As of
- 01 Apr, 09:20
- Captured
- 01 Apr, 09:20
Support Flag
No
Contactability Band
direct
Hardship Status
none
Treatment Posture
standard
Market / Market Signal Feed
Frozen snapshot reference recorded
Fresh
- As of
- 01 Apr, 09:20
- Captured
- 01 Apr, 09:20
Market Index
1.0033
Residual Pressure
0
Negative Equity
-156.91