About Riar Ceartais

Riar Ceartais Teoranta is a specialist GDPR not-for-profit established to enforce GDPR non-compliance through what are for all intent and purposes GDPR class actions brought via Article 80 GDPR.  Formed in response to institutionalised Irish State and private sector white-collar fraud and corruption, the NGO uses strategic class actions to hold State and private sector bodies accountable for serious harm they are causing to some of the most vulnerable people in Irish society.

The first of the Riar Ceartais GDPR class actions issued last year against the Central Bank of Ireland and the Irish land registry (Tailte Éireann) representing victims of mortgages unlawfully transferred to vulture funds in contravention of the GDPR.  To put the scale of the Riar Ceartais ambitions in context, the initial 200 mortgage transfer class action members,
• hold over €94 million of uncollectable Irish mortgage debt that is expected to default,
• own €83 million of property protected by Riar Ceartais, and
• seek to recover compensation for ~€60 million in damages suffered.

Having recently increased its new member onboarding capacity, Riar Ceartais anticipates onboarding over 2,000 members in 2026/2027 which it estimates will,
• hold just under €1 billion of uncollectable Irish mortgage debt that is expected to default.
• own ~€800 million of property protected by Riar Ceartais, and
• seek to recover compensation for ~€600 million euro in damages.

However, that is just 2,000 victims from a pool of 339,143 mortgages that Riar Ceartais believe were unlawfully transferred, or are transferring, relating to an estimated 488,000 Irish mortgage victims.  Plans for additional class actions in other sectors are well advanced and include challenging the Irish governments planned digital identity and government policies driving spiralling Irish homelessness.

About Colin Larkin

The Riar Ceartais Enforcement Director and co-founder, Colin Larkin, is an information security, digital identity, and payment fraud prevention expert with a deep background in mobile telecom networks.  Prior to Riar Ceartais, Colin co-founded the Irish Fintech start-up moQom which specialised in using mobile network infrastructure to provide user identity, fraud prevention and regulatory compliance for retail banks.  For several years running moQom was recognised as a top 20 Irish Fintech (top 100 European Fintech in 2016) with a large, disruptive portfolio of granted FinTech and digital identity Intellectual Property invented by Colin.  Following the fraudulent destruction of moQom by Irish banks, mobile network operators and investors, Colin prepared a GDPR legal strategy to recover damages relating to the fraudulent theft of his intellectual property.

In a presumed effort to frustrate being held accountable for hundreds of millions of euro in alleged moQom fraud damages, Bank of Ireland’s efforts to make Colin homeless forced the creation of Riar Ceartais and the unlawful mortgage transfer class actions.  Ironically, only time will tell whether the mortgage class actions become a business ending event for Bank of Ireland and other Irish banks laundering his stolen digital identity technology as it is Colin’s firm opinion that Bank of Ireland, AIB and ptsb have a €19.2 billion hole in their balance sheets following the unlawful transfer of KBC and Ulster Bank mortgages.

Colin can be contacted for comment or Riar Ceartais partnership enquires via the contact page or on LinkedIn www.linkedin.com/in/colinlarkin/.