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✨ LEGAL PROTECT GOLD


Your protection policy against unfair repossession


🧳 Who this policy is for

Legal Protect Gold is designed for homeowners who meet all of the following:

✅ Eligibility

Your mortgage must:
a. Have been for the purchase or refinance of your home
b. Have been drawn down prior to 2009
c. Have since been sold to a Vulture Fund

✅ Current status of your loan

And you must now be:

  • In arrears on payments, or
  • Struggling with unfairly high interest rates, or
  • Receiving threats or letters from a vulture fund or its solicitors, or
  • Already in court proceedings over arrears/repossession, or
  • Where a possession order has been issued but the home has not yet been repossessed

If this describes your situation, Legal Protect Gold is designed to protect you.


✅ What’s Included (Your Cover)

  • Mortgage review & unfair terms complaint
    Independent legal and banking experts assess your mortgage and prepare a formal complaint of unfair terms.
  • Fast-track complaint process
    Complaint filed with your debt servicer, then escalated to the Financial Services & Pensions Ombudsman (FSPO).
  • Section 49 legal shield
    Once your FSPO complaint is registered, any repossession case must be stayed by law. You receive a certificate of protection.
  • Court support package
    • Letter to your debt servicer confirming the complaint
    • Letter to their solicitor if proceedings have begun
    • Affidavit prepared for you requesting a stay of proceedings under Section 49
    • Follow-up affidavit if your case is adjourned
    • Legal counsel on appeal if a stay is wrongly refused

⚖️ Optional Add-Ons

  • Barrister representation at stay hearing: €615 (€500 + VAT)
  • Fast-track court support fee if your hearing is within 6 weeks of sign-up: €300 + VAT

💳 Cost of Cover

€99 per month (incl. VAT)


🚫 What’s Not Covered (Exclusions)

  • Mortgages not used for the purchase/refinance of a home
  • Mortgages drawn down after 2009
  • Mortgages still owned by a bank (not sold to a vulture fund)
  • Homes repossessed more than 6 years ago
  • Situations where no valid FSPO complaint can be made

🏡 Why Choose Legal Protect Gold?

✔️ For consumers in arrears, in court, or facing possession orders
✔️ Prevents unfair repossession actions during FSPO investigations
✔️ Shields you from aggressive vulture fund tactics
✔️ Backed by expert legal and banking professionals
✔️ Buys you time, representation, and leverage to fight back
✔️ Peace of mind that your home and rights are protected


✨ Your Home. Your Rights. Protected.

With Legal Protect Gold, you don’t face the courts or your lender alone.
You hold a legal protection policy that secures your position, slows or halts repossession, and ensures unfair mortgage terms are investigated before any enforcement.


Click to Register

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