Q&A

If you are a victim of mortgage misselling, we construct a complaint, send to the lender and then submit to the Financial Services and Pensions Ombudsman (FSPO).

No fees unless we win compensation for you.

Our professional fees are charged when we win compensation. You will be notified of these fees when we understand your case.

The entire process can take years as the Financial Services and Pensions Ombudsman (FSPO) is a public body funded by the Department of Finance and the banks. For those in need of help now, we have additional services.  We will be notified of those services when we understand your case.

The Ombudsman can make awards up to €500,000 per claim.  The purpose of compensation is to place you in the position you should be in if you were sold the suitable product. Compensation will depend on the specifics of your case.

example: if you borrowed €300,000 in 2006 at an interest rate of 6% and have managed to pay c. 50% of the payments, then your compensation could be  approximately €263,000.

We anticipate that any awards granted to you will result in a restructure of your mortgage to an affordable and sustainable amount rather than a cash award. We will be with you all of the way to ensure you get what is rightfully yours.

No, the Ombudsman is very clear in their communications with us, that every case is treated on its own merits regardless of any similarities. This creates its own problems in advising consumers of their rights and ensuring any consistency in complaints and awards.

The Central Bank has advised that on any sale or transfer of a mortgage, that all consumer rights are protected.  We have processed Dáil questions on this matter. At the moment we are only handling cases where the loan has ben sold and is being managed by Pepper, Mars Capital, Cabot, BCM or Start Mortgages (now Mars Capital).

No we have solutions for everyone regardless of where you are in the legal process.  As part of the registration process we will ask you certain questions and then tailor the solution to your needs.

Please email info@misselling.ie.  Please be aware that we are not debt or legal advisors and therefore cannot give advice accordingly.

Yes, please email us at benhoey@quartech.ie with the details of the broker that sold you the product, what the investment is and the date it was sold.

It can take up to six months to obtain the data and final response we need to process the complaint at the FSPO.  The time with the FSPO depends upon their acceptance that they have jurisdiction to investigate and the resources available to them. If you are in urgent need of help, we will contact you when you sign up to Join the Claim, depending upon your responses.