Misselling.ie helps homeowners challenge mortgage contracts that may contain Unfair Terms. Working with regulated professionals, we assist consumers in bringing formal complaints to the Financial Services and Pensions Ombudsman (FSPO), asking the Ombudsman to investigate whether a lender or loan owner relied on terms that were unfair under consumer-protection law.
There is no cost to submit an Unfair Terms complaint through Misselling.ie. Our service is designed so that consumers can access the FSPO process without financial risk. If compensation is awarded, a success fee applies — otherwise, there is no charge for the complaint process itself.
If you are facing legal action to take your home or being threatened with legal proceedings, you need to consider our Gold membership. Simply put, if your complaint has been accepted by Misselling.ie as eligible, we can immediately issue notices to your debt servicer and their lawyers that a complaint of Unfair Terms has been filed and they need to be cognisant of Section 49 of the Financial Services & Pensions Ombudsman (FSPO) Act. We will also provide you with an Affidavit to file in Court along with an abridged Unfair Terms Opinion. Irish Courts are obliged by European Court of Justice rulings to investigate Unfair Terms in Consumer Contracts by their own motion before any Possession Order can be granted.
You can read further about our Gold membership at the tab “Benefits of Gold Membership” on this website or email us at info@misselling.ie with any questions; but please register your mortgage details first so we can access your options.
Misselling.ie does not provide legal or financial advice, and we do not advise consumers on whether to continue making mortgage payments. Repayment decisions are always personal financial decisions. Our role is to ensure that consumers can assert their rights under consumer-protection law and have Unfair Terms properly investigated, while helping to create breathing space through the appropriate legal and Ombudsman processes.
Our focus is simple: give consumers access to the FSPO process, ensure Unfair Terms are examined, and provide structured support when court pressure arises.
