Mis-Sold a Mortgage Product?


Ben Hoey on Mis sold a Mortgage Product: https://www.instagram.com/p/CtduxAegx45/

Unfair Treatment

Do you feel you have been treated unfairly? Do any of the following resonate with you:

  1. Your loan was sold to a Vulture Fund and serviced by one of the following:
    1. Pepper Asset Management
    2. Mars Capital
    3. Cabot
    4. Start
    5. BCM Global, previously Capita
  2. Paying Interest Rates well above local Irish bank rates?
  3. You cannot access fixed rates on your mortgage?
  4. You are a Consumer as defined under European Consumer Law?

It is more than likely that, if your home loan has been sold to a Vulture Fund, you are being treated “Unfairly” under European Consumer Law because:

  1. You originally borrowed from a business that was active in the Irish Community; today your loan is beneficially owned by an unknown overseas investment fund or Vulture Fund.
  2. The Vulture Fund has no vested interest in Ireland except to profit from distressed Irish family home loans.
  3. The firm, servicing your loan, does not have one Standard Variable Rate, as they serve many loan owners, all located overseas.
  4. It’s more than likely that the IMPORTANT TERMS AND CONDITIONS of your mortgage were not clearly communicated to you and the terms are NOT plain and transparent.
  5. It’s more than likely that your loan was mis-sold if you have defaulted in the past and the loan was drawn down prior to 2009.

What can you do?

  1. Complete the questionnaire on the “Apply” tab at www.misselling.ie – we can assess your mortgage for “Unfair Terms” and “Mis-selling”.
  2. If you are eligible, we will commence the complaint process to the Financial Services and Pensions Ombudsman to include a calculation for compensation.
  3. Your case will be based on the Rights granted to you under the European Communities (Unfair Terms in Consumer Contracts) Regulations 1995 (“the Unfair Terms and Regulations”).
  4. As we know your funds are limited, and there is no legal aid available in Ireland for consumers with respect to their property rights, However, we do, as a business have to charge some fees: please see our Terms of business for any additional fees.
    1. Building the “Unfair Terms” case.
    2. The provision of a “Misconduct/Unfair Terms”.
    3. Assistance with a restructure of you mortgage.
  5. We will support you every step of the way up to the European Court of Justice who have ruled on “Unfair Terms” in consumer mortgage contracts for other European national courts.

What to do next?

  • Simply complete the Application on the Apply tab at www.misselling.ie stating in the comments box that you want to take action against your current Debt Servicer.
  • Please note if your mortgage is eligible, there is a €99 fee for discovery and filing a complaint with the Financial Services and Pensions Ombudsman. Further fees apply if the Ombudsman awards compensation to you – See Terms of Business.
  • The process could take up to 2 years to complete: other fees apply – please see Terms of Business.


We do not provide legal advice and we cannot guarantee that you win but we will fight to get you Fair Treatment under European Consumer Law.