Welcome back to the dispute.ae podcast. I'm Paul, and this is Episode Fourteen.

In Episode Seven, we explained that the best time to restructure a payment plan is before you default. That advice still stands. But many buyers don't act early. They hope the next instalment will somehow be manageable, ignore reminder letters, and only seek help after missing payments.

This episode is for those buyers.

What changes after default?

Before default, you were a customer asking for flexibility. After default, you're a buyer in breach of contract. The developer may now have termination and retention rights available, making the negotiation very different.

Three things change:

• The developer is no longer obliged to negotiate. Your proposal must now ...