Case 00385 / Oliver Murphy
Frozen recommendation evidence, ranked alternatives, source lineage, and publication context for the selected case.
Lead route
Re-Lease
Approval
Not Required
Policy
Review Required
Expected delta
£1.2K
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
- Extend 6 Months
- Recommended path
- Re-Lease
- Selected path
- Not actioned
- Current plan value
- £30.1K
- Recommended value
- £31.3K
- Top drivers
- Mileage performance supports retained-value actions.
Frozen rationale
Re-lease holds the strongest retained-value position while mileage, vehicle age, and clean payment posture remain inside tolerance.
Policy hits
Passed
12-month extension age ceiling / 6-month extension age ceiling / Arrears ceiling / Auction fallback threshold / Digital retail segment eligibility / EV volatility review trigger / Extension mileage ceiling / Negative equity escalation trigger / Premium dealer-network age cap / Residual tolerance for PCP extension / Retail mileage overrun ceiling / Stale valuation review / Treatment posture exception route
Blocked
No recorded rule hits.
Review Required
Minimum value floor for non-manual routing
Ranked alternatives and route economics
| Route | Status | Delta | Expected value | Approval | Policy hits | Rationale |
|---|---|---|---|---|---|---|
| Re-Lease | Recommended / Not Applicable / Permitted | £1.2K | £31.3K | No approval gate | Passed: Arrears ceiling, Treatment posture exception route, Negative equity escalation trigger, EV volatility review trigger, Stale valuation review, Premium dealer-network age cap / 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 / Permitted | £913.6 | £31K | No approval gate | Passed: Arrears ceiling, 6-month extension age ceiling, 12-month extension age ceiling, Residual tolerance for PCP extension, Treatment posture exception route, Negative equity escalation trigger, EV volatility review trigger, Stale valuation review, Extension mileage ceiling, Premium dealer-network age cap / Blocked: / Review Required: | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. |
| Extend 6 Months | Current Plan / Not Applicable / Permitted | £0 | £30.1K | No approval gate | Passed: Arrears ceiling, 6-month extension age ceiling, 12-month extension age ceiling, Residual tolerance for PCP extension, Treatment posture exception route, Negative equity escalation trigger, EV volatility review trigger, Stale valuation review, Premium dealer-network age cap / Blocked: / Review Required: | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. |
| Digital Retail | Permitted / Capacity Limited / Review Required | -£2.1K | £28K | Approval required | Passed: Arrears ceiling, Digital retail segment eligibility, Treatment posture exception route, Negative equity escalation trigger, EV volatility review trigger, Stale valuation review, Retail mileage overrun ceiling, Premium dealer-network age cap / Blocked: / Review Required: Minimum value floor for non-manual routing | 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 | Permitted / Capacity Limited / Review Required | -£4.1K | £26K | Approval required | Passed: Arrears ceiling, Treatment posture exception route, Negative equity escalation trigger, EV volatility review trigger, Stale valuation review, Premium dealer-network age cap / Blocked: / Review Required: Minimum value floor for non-manual routing | 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 | Permitted / Capacity Limited / Review Required | -£5.1K | £24.9K | Approval required | Passed: Arrears ceiling, Auction fallback threshold, Treatment posture exception route, Negative equity escalation trigger, EV volatility review trigger, Stale valuation review, Premium dealer-network age cap / Blocked: / Review Required: Minimum value floor for non-manual routing | Auction Disposal is commercially credible for this premium case, but current Auction headroom is binding and a lower-friction route can clear sooner. |
| Manual Review | Permitted / Not Applicable / Permitted | -£5.8K | £24.3K | 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. |
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
- 22 Mar, 00:00
- Captured
- 01 Apr, 09:20
Market Value Estimate
27204.32
Booked Residual Value
22940.64
Cash Release Estimate
28.31
Mileage / Inspections Hub
Frozen snapshot reference recorded
Fresh
- As of
- 09 Mar, 00:00
- Captured
- 01 Apr, 09:20
Mileage Actual
28824
Mileage Expected
31360
Mileage Ratio
0.9191
Payment / Servicing Core
Frozen snapshot reference recorded
Fresh
- As of
- 23 Mar, 00:00
- Captured
- 01 Apr, 09:20
Arrears Count
0
Last Payment Date
2026-03-23
Settlement Balance
27176.01
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
-4263.68