Your Legal Protect policy provides immediate peace of mind as it confirms that:
✅ A formal assessment of Unfair Terms in your mortgage has been carried out by legal and banking professionals
✅ The Complaint (including a Claim for Compensation) is filed with the Vulture Fund who have 40 working days to response
✅ The complaint will then be lodged with the Financial Services and Pensions Ombudsman (FSPO)
✅ Your claim is backed by expert legal and financial opinion
✅ Your position is backed by expert legal and financial opinion
Warning: From the date you register the mortgage details with Misselling.ie, it can take up to 3 months to file with the FSPO, so don’t delay, register today.
What Is Section 49?
Under Section 49 of the FSPO Act 2017, once a valid complaint is made to the FSPO:
Any court proceedings related to the subject matter of the complaint must be stayed.
Section 49 protects you against legal actions taken by:
Pepper • Mars Capital • BCM Global • Link ASI • Everyday Finance
What Happens Next?
When the FSPO issues a complaint reference number, we immediately notify your Debt Servicer in writing of your FSPO complaint and the legal protection you enjoy under Section 49. You will be copied.
If your Debt Servicer makes any threat of legal action, simply respond to them with your Section 49 certificate and the letter notifying them of the protections you enjoy.
Your Home. Your Rights. Protected.
Legal Protect exists to shield you and your home from aggressive enforcement while your valid complaint of unfair mortgage terms is being examined by Ireland’s independent financial ombudsman.
LEGAL PROTECT GOLD
Gold membership
If you are in imminent danger of losing your home, you need to consider upgrading to Gold membership
🔒 What Does Legal Protect Gold Provide?
As a Gold policyholder, you benefit from a fast-tracked complaint process and an immediate legal support package tailored for court protection:
✅ Step-by-step legal shield:
- Letter to your Debt Servicer confirming that a formal complaint of Unfair Terms, backed by legal and banking opinion has been has been filed with them
- Letter to the Debt Servicer’s solicitor, if legal proceedings have already begun
- Affidavit requesting a stay of proceedings under Section 49 of the FSPO Act 2017 drafted for you
- Follow-up affidavit drafted for you if your case is not heard and adjourned or deferred
- Legal Counsel provided for an appeal if your request for a stay is denied by the Registrar or Judge
Legal Protect GOLD costs €99 (including VAT) per month
Optional Court Representation
If you are unable to present your own affidavit to the Court, we can supply a barrister to represent you at the hearing:
Barrister for stay request hearing: €615 (€500 + VAT)
Court date imminent – Signing up within 6 weeks of a court date.
Fast-track court support fee (if court hearing is within 6 weeks of registration): €300 + VAT
Why Legal Protect Gold?
- Prevents unjust repossession actions during ongoing FSPO complaints
- Backed by legal and banking professionals
- Designed to slow down or halt court enforcement while your complaint is being investigated
- Empowers you to hold Vulture Funds and debt servicers accountable
Your Home Deserves Protection
With Legal Protect Gold, you don’t face the courts alone. You gain a full legal strategy to stop unjust enforcement, giving you time, representation, and leverage.