Did you take out a residential mortgage in Ireland between 2001 and 2009?
Has your mortgage been sold to a private equity fund, i.e., a vulture fund?
If you meet the above criteria, there is a good chance that you were mis-sold that mortgage.
In its simplest form, financial mis-selling means recklessly misrepresenting a financial services product or service in order to successfully complete a sale. Financial products are usually “mis-sold” in order to cause an individual to complete a purchase that does not properly suit their needs.
The four main types of mis-sold mortgages include:
- Interest-only mortgages: Where your lender failed to assess how you would repay the full amount borrowed when the term ended.
- Self-certification mortgages: Where your lender failed to verify your income properly.
- Mortgages beyond retirement age: Where your lender failed to assess how you’d make payments after retiring.
- Re-mortgages to consolidate debt: Where your lender did not fully inform you about the risks of combining debts into your mortgage.
What about my Court proceedings?
Please see attached tab for persons struggling to pay their mortgage with the vulture fund or who are currently in the legal process where the vulture is threatening to repossess you home.
Register your mortgage below for a free review. If you find all this and the court process overwhelming, please email us at info@misselling.ie and we will have someone call you. Please provide number and suitable times that you are available.