I had a merchant cash advance for two companies and fell into difficulties. The lender was extremely aggressive and called in debt and personal guarantee, I tried to negotiate but they swatted me away with a 7 day letter before action. I had combination of poor legal team and some difficult personal / family circumstances over a few months which compounded my stress. I had the discussion with Mel, sacked my solicitors and the PG team took over at the 11th hour, after proceedings were well under way with court hearings. They managed to swiftly come to an arrangement that suited all pre hearing. I would have thought if I had used them from the start I could have had a more favourable outcome. But thankful they stepped in when they did. I can’t thank them enough for the prompt communication, sound advice and execution they provided.