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.
Some homeowners are already facing court proceedings or enforcement action while their complaint is being investigated. For those situations, Legal Protect Gold provides additional practical support. This includes preparation of standard affidavit documents requesting the Court to defer enforcement while the FSPO investigates the Unfair Terms complaint, along with ongoing administrative coordination with solicitors where required.
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.
