I want to make a claim as we are sure we have the floor clause on our mortgage, something we were never told about when we took out the mortgage. Would this be something a gestor could do or does it definitely need a lawyer. Has anyone on here done this and were you successful.

New legislation on the subject came into force at the beginning of the year and you could claim directly at the bank but the best route is with legal assistance as the bank will be obstructive. You are not alone, there are 54 special courts/ judges dealing with issue and so far over 57,000 claims.

Not affected by this but researched it as it links to the other issue now growing in importance - payment of the banks' fees during the purchase process . Typically about €3,000 of procedurial expenses of buying and selling when a mortgage is involved are generated at the request of the bank not the buyer.

Many solicitors now offering this service and they have the expertise. For example

Mortgage clauses declared abusive

Hi, you can use the following calculator to find out quite accurately how much you might get if your claim was accepted:
www.kalkureka.com/floor-clause-calculator/