Most clients using this service tend to have difficulty dealing with their Bank  or financial provider and have fallen into arrears. With the introduction of the Mediation Bill, you can now have an authorised third party mediate/negotiate with the financial provider on your behalf. This type of mediation can prove quite difficult and it is important you choose a qualified advisor to help you negotiate in these circumstances. However, time is of the essence here as most banks and other lending institutions want where possible to avoid costly litigation through the courts and a restructure can usually be achieved with open dialogue through the mediation process. Denial of debt is not a realistic approach. Court is a very daunting and intimidating place for many people, however even if you have reached this stage you can still request a mediation through the court and appoint a mediator to negotiate on your behalf with your bank or other financial institution. Utilising a mediator to negotiate for you will alleviate an already stressful situation and the realisation of a settlement becomes much greater. Where a deal or restructure cannot be achieved then any negotiations between both parties are always held without prejudice and cannot be used if a court case is to continue.

It’s never too late to mediate