- Detailed review of your complaint to ensure it is fully supported in law;
- Fast-track submission to the FSPO and management of your case throughout;
- Formal notice to the lender or vulture fund that your mortgage is in formal dispute and that you are claiming Section 49 protection;
- You can instruct the vulture fund to:
- Communicate in writing only, and
- Send all correspondence to Barry Lyons Solicitors;
- Formal notice to any opposing solicitors confirming your dispute and legal protections;
- Court support, including preparation of an application to stay proceedings (pause enforcement) under Section 49 and the Unfair Terms Directive.
- Legal representation and appeals if a registrar or judge refuses a stay or adjournment until the FSPO has ruled.
If you’re not currently making payments to the Vulture or thinking about revising your payments due to excessive interest rates or it was never affordable from inception, Barry Lyons Solicitors offers a Law Society protected Client Account for you to place affordable payments on deposit. These payments will be held in trust until we achieve final settlement for you and your family.
Pricing
€99 per month (incl. VAT).
By joining Gold, you become part of a coordinated legal-support network of hundreds of Irish homeowners asserting their rights and holding lenders to account. Your contribution is pooled each month to fund the legal and professional resources that protect you under this policy.
With Legal Protect Gold, you now have choices and a seat at the negotiation table.
🧳 Who this policy is for
Legal Protect Gold is designed for homeowners who meet all of the following:
✅ Eligibility
Are these your circumstances?:
a. You purchased or refinanced your home prior to 2009
b. Your mortgage has been sold to a Vulture Fund
c. You are under pressure or being charged excessive interest rates
✅ Legal Protect was designed for you if you are:
- In serious arrears on payments
- Struggling with unfairly high interest rates
- Receiving threats or letters of legal action from a vulture fund or its solicitors
- In court proceedings over your mortgage
- 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.
💳 Cost of Cover
€99 per month (incl. VAT), cancellable at any time.
🚫 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 (i.e., not sold to a vulture fund)
- Homes repossessed and residual written off more than 6 years ago
✨ Your Home. Your Rights. Protected.
With Legal Protect Gold, you don’t face the courts or the Vulture 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.