Case 00092 / Jack Davies
Frozen recommendation evidence, ranked alternatives, source lineage, and publication context for the selected case.
Lead route
Re-Lease
Approval
Rejected
Policy
Permitted
Expected delta
£1.6K
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
- Auction
- Recommended path
- Re-Lease
- Selected path
- Re-Lease
- Current plan value
- £2.2K
- Recommended value
- £3.8K
- Top drivers
- Irregular payment review trigger / Auction fallback threshold / Residual pressure is compressing uplift on disposal and extension routes.
Frozen rationale
Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance.
Policy hits
Passed
6-month extension age ceiling / Arrears ceiling / Auction fallback threshold / Digital retail segment eligibility / EV volatility review trigger / Stale valuation review / Treatment posture exception route
Blocked
Retail mileage overrun ceiling
Review Required
12-month extension age ceiling / Auction fallback threshold / Extension mileage ceiling / Irregular payment review trigger / Minimum value floor for non-manual routing / Negative equity escalation trigger / Residual tolerance for PCP extension
Ranked alternatives and route economics
| Route | Status | Delta | Expected value | Approval | Policy hits | Rationale |
|---|---|---|---|---|---|---|
| Re-Lease | Permitted / Not Applicable / Permitted | £1.6K | £3.8K | Approval required | Passed: Arrears ceiling, Treatment posture exception route, EV volatility review trigger, Stale valuation review / Blocked: / Review Required: Irregular payment review trigger, Auction fallback threshold, Negative equity escalation trigger | Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance. |
| Extend 12 Months | Permitted / Not Applicable / Review Required | £1.4K | £3.6K | Approval required | Passed: Arrears ceiling, 6-month extension age ceiling, Treatment posture exception route, EV volatility review trigger, Stale valuation review / Blocked: / Review Required: Irregular payment review trigger, Auction fallback threshold, 12-month extension age ceiling, Residual tolerance for PCP extension, Negative equity escalation trigger, 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 | £1.2K | £3.4K | Approval required | Passed: Arrears ceiling, 6-month extension age ceiling, Treatment posture exception route, EV volatility review trigger, Stale valuation review / Blocked: / Review Required: Irregular payment review trigger, Auction fallback threshold, 12-month extension age ceiling, Residual tolerance for PCP extension, Negative equity escalation trigger | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. |
| Trade Sale | Permitted / Available / Review Required | £190.6 | £2.4K | Approval required | Passed: Arrears ceiling, Treatment posture exception route, EV volatility review trigger, Stale valuation review / Blocked: / Review Required: Irregular payment review trigger, Auction fallback threshold, Negative equity escalation trigger, Minimum value floor for non-manual routing | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. |
| Manual Review | Permitted / Not Applicable / Permitted | -£78.4 | £2.1K | 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. |
| Auction | Current Plan / Available / Review Required | £0 | £2.2K | Approval required | Passed: Arrears ceiling, Auction fallback threshold, Treatment posture exception route, EV volatility review trigger, Stale valuation review / Blocked: / Review Required: Irregular payment review trigger, Negative equity escalation trigger | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. |
| Digital Retail | Blocked / Available / Blocked | £487.9 | £2.7K | Approval required | Passed: Arrears ceiling, Digital retail segment eligibility, Treatment posture exception route, EV volatility review trigger, Stale valuation review / Blocked: Retail mileage overrun ceiling / Review Required: Irregular payment review trigger, Auction fallback threshold, Negative equity escalation trigger | Blocked by policy: Retail mileage overrun ceiling. |
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
- 20 Mar, 00:00
- Captured
- 01 Apr, 09:20
Market Value Estimate
5247.06
Booked Residual Value
10723.91
Cash Release Estimate
-1854.62
Mileage / Inspections Hub
Frozen snapshot reference recorded
Watch
- As of
- 21 Feb, 00:00
- Captured
- 01 Apr, 09:20
Mileage Actual
61176
Mileage Expected
46750
Mileage Ratio
1.3086
Payment / Servicing Core
Frozen snapshot reference recorded
Stale
- As of
- 04 Mar, 00:00
- Captured
- 01 Apr, 09:20
Arrears Count
2
Last Payment Date
2026-03-04
Settlement Balance
7101.68
Treatment / Treatment Desk
Frozen snapshot reference recorded
Watch
- As of
- 01 Apr, 09:20
- Captured
- 01 Apr, 09:20
Support Flag
Yes
Contactability Band
friction
Hardship Status
watchlist
Treatment Posture
care_guided
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
5476.85