I was a little surprised at the tone is some of the exchanges and I thought another view might help matters.
Padraic Kissane and Brendan Burgess have a lot of experience in dealing with the FSPO.
If you do not present key facts the FSPO will not put them in for you......
It seems like that the fair takeaway is that he often gets it right but that he does make mistakes on occasion.
They should be leading the charge for consumer
Being biased to the consumer simply means the benefit of the doubt. That should always be with the consumer.
There is an ECJ Case pending and its believed for example that referring to the Letter of Offer (which is in the attic or lost) when making a routine adjustment e.g. fixing the rate on the mortgage - is an unfair practice.
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