A Platform for Unfair Mortgage Terms Complaints
Supporting Consumers, Solicitors, PIPs and McKenzie Friends
Misselling.ie is a structured platform that helps users identify, validate and pursue complaints of unfair mortgage terms under Irish and EU consumer law. It supports FSPO complaint creation, court-ready affidavit generation, and access to independent banking expertise where required.
What the Platform Provides
Misselling.ie enables users to:
• Create a structured unfair-terms complaint
• Have it reviewed by banking and legal specialists
• File the complaint with the Debt Servicer and the FSPO
• Generate affidavit templates for use in court to apply for Section 49 relief or ECJ guidance
• Obtain a professional unfair-terms opinion when required by a solicitor or judge
The platform is designed to complement existing legal or advisory strategies.
Who Uses the Platform
Misselling.ie is used by:
• Lay litigants involved in repossession or related proceedings
• Solicitors seeking expert banking analysis to support a defence
• Personal Insolvency Practitioners (PIPs) assisting clients with disputed mortgage terms
• McKenzie Friends supporting litigants with documentation and process guidance
FSPO Complaint Creation
The platform guides users through:
- Identifying potentially unfair contractual terms
- Structuring those issues into a formal FSPO complaint
- Expert validation by professionals with banking and regulatory experience
- Submission to the FSPO, in line with Ireland’s consumer-protection framework
Court Support & Affidavit Templates
Where court proceedings are active or imminent, the platform offers:
• Affidavit templates seeking a stay or adjournment
• Drafts for stand-alone unfair-terms complaints or integration into wider defences
These materials ensure courts are formally notified that an unfair-terms issue is under investigation through the appropriate statutory channel.
Expert Unfair-Terms Opinions
When required, the platform can provide:
• A professional unfair-terms opinion by a qualified banking expert
• Analysis covering transparency, interest-rate variability, contractual imbalance and risk disclosure
Such opinions can support court filings, solicitor-led cases and FSPO investigations.
A Platform — Not a Law Firm
Misselling.ie is a consumer-support and expert-analysis platform. It does not give legal advice but works alongside solicitors and advisers by supplying structured processes, documentation and banking expertise.
Get in touch
If you are a consumer just looking for help, simply register your mortgage details on the tab “Register Today”
If you are a Solicitor, PIP or McKensie friend, email us at info@misselling.ie