Case 00229 / Oliver Graham
Frozen recommendation evidence, ranked alternatives, source lineage, and publication context for the selected case.
Lead route
Re-Lease
Approval
Pending Approval
Policy
Permitted
Expected delta
£2.7K
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
- £8.8K
- Recommended value
- £11.5K
- Top drivers
- Auction fallback threshold / Negative equity escalation trigger / 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 clean payment posture remain inside tolerance.
Policy hits
Passed
6-month extension age ceiling / Arrears ceiling / Auction fallback threshold / EV volatility review trigger / Stale valuation review / Treatment posture exception route
Blocked
Digital retail segment eligibility / Retail mileage overrun ceiling
Review Required
12-month extension age ceiling / Auction fallback threshold / EV age review trigger / Extension mileage ceiling / 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 | £2.7K | £11.5K | Approval required | Passed: Arrears ceiling, Treatment posture exception route, EV volatility review trigger, Stale valuation review / Blocked: / Review Required: Auction fallback threshold, Negative equity escalation trigger, EV age review trigger | 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 | £2.3K | £11.1K | Approval required | Passed: Arrears ceiling, 6-month extension age ceiling, Treatment posture exception route, EV volatility review trigger, Stale valuation review / Blocked: / Review Required: Auction fallback threshold, 12-month extension age ceiling, Residual tolerance for PCP extension, Negative equity escalation trigger, Extension mileage ceiling, EV age review trigger | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. |
| Extend 6 Months | Permitted / Not Applicable / Review Required | £2K | £10.8K | Approval required | Passed: Arrears ceiling, 6-month extension age ceiling, Treatment posture exception route, EV volatility review trigger, Stale valuation review / Blocked: / Review Required: Auction fallback threshold, 12-month extension age ceiling, Residual tolerance for PCP extension, Negative equity escalation trigger, EV age review trigger | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. |
| Trade Sale | Current Plan / Available / Review Required | £0 | £8.8K | Approval required | Passed: Arrears ceiling, Treatment posture exception route, EV volatility review trigger, Stale valuation review / Blocked: / Review Required: Auction fallback threshold, Negative equity escalation trigger, EV age review trigger | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. |
| Auction | Permitted / Available / Review Required | -£488 | £8.3K | Approval required | Passed: Arrears ceiling, Auction fallback threshold, Treatment posture exception route, EV volatility review trigger, Stale valuation review / Blocked: / Review Required: Negative equity escalation trigger, EV age review trigger, Minimum value floor for non-manual routing | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. |
| Manual Review | Permitted / Not Applicable / Permitted | -£767.3 | £8K | 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 | £884 | £9.7K | No approval gate | Passed: Arrears ceiling, Treatment posture exception route, EV volatility review trigger, Stale valuation review / Blocked: Digital retail segment eligibility, Retail mileage overrun ceiling / Review Required: Auction fallback threshold, Negative equity escalation trigger, EV age review trigger | 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 / Residual Watch
Frozen snapshot reference recorded
Fresh
- As of
- 21 Mar, 00:00
- Captured
- 01 Apr, 09:20
Market Value Estimate
12186.72
Booked Residual Value
25604.7
Cash Release Estimate
-4624.72
Mileage / Inspections Hub
Frozen snapshot reference recorded
Watch
- As of
- 21 Feb, 00:00
- Captured
- 01 Apr, 09:20
Mileage Actual
57018
Mileage Expected
45100
Mileage Ratio
1.2643
Payment / Servicing Core
Frozen snapshot reference recorded
Fresh
- As of
- 20 Mar, 00:00
- Captured
- 01 Apr, 09:20
Arrears Count
0
Last Payment Date
2026-03-20
Settlement Balance
16811.44
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
13417.98