[Supermancho]

Oh, I'm familiar. Lots of people are familiar. This is a question of tort law wrapped in corporate sponsored "mandatory mediation", which never rules in your favor or delays. I am asserting that while the dispute is small it can be quickly resolved because the court is happy to mediate immediately regardless of the contractual body appointed.

It's when you exceed the small claims or wait, ie you're afraid to go to court or are lapse in monitoring your own finances, that the problem accelerates out of control.