A computer engineer turned self-taught courtroom fighter claims Ireland’s mortgage system is a legal “black hole,” arguing that thousands of distressed borrowers are being pursued by credit servicers who hold the property charge but cannot prove they own the underlying loan contract. After years battling in court, Gerardine Scanlan says the real creditor often remains hidden behind special-purpose vehicles while documentation chains are missing or opaque—leaving homeowners facing repossession by entities that may not legally hold their debt.
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