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 are threatened or have commenced.
- Affidavit prepared for you requesting a stay of proceedings under Section 49 of the FSPO Act 2017.
- Follow-up affidavit if your case is adjourned.
- Legal counsel on appeal if a stay is wrongly refused at any stage.
⚖️ Optional Add-Ons
- Barrister representation at the initial stay request hearing: €615 (€500 + VAT)
- Fast-track court support fee if your Court 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.