Thessaloniki
NPL Fund Defence
Legal Protection · Negotiation · Stopping Foreclosure
The transfer of your loan to an NPL fund does not mean a dead end. Thousands of borrowers in Greece now face companies such as DoValue, Intrum or Cepal as their new creditors — without knowing their rights. With specialised expertise in banking law and NPL markets, we assess every case from the start: legality of transfer, claim amount, grounds for challenge, and negotiation strategy.
What Are NPL Funds
NPL funds (non-performing loan funds or credit servicers) purchased large portfolios of non-performing loans from Greek banks under Law 4354/2015. These transfers must meet strict legal requirements — and often do not. A fund is not a bank: it has different obligations, different limitations, and different legal vulnerabilities.
How We Help
- Legal review of claim assignment — challenging the legality of the transfer
- Verification of the claim amount, interest, and charges
- Objection against a payment order issued by a fund or servicer
- Stay or cancellation of an auction initiated by a fund
- Negotiation of a settlement with DoValue, Intrum, Cepal and other servicers
- Application under the Out-of-Court Mechanism (Law 4738/2020)
- Claims against funds for breach of borrower notification obligations
- Full defence strategy — judicial and out-of-court
Every day that passes strengthens the fund's position
Funds and servicers have specialised legal teams. If you have received a loan transfer notice, payment order, or auction notice from a fund, acting promptly is critical. Do not sign any settlement without legal review.
Not sure where you stand legally?
Get a free assessment of your legal position against the fund. Call us or send us your details.
Book a ConsultationWhy Choose Us
- 25+ years' experience in banking law and enforcement proceedings
- Specialised knowledge of NPL legislation (Law 4354/2015, Law 4738/2020)
- Head of the Legal Team, Association of Borrowers of Northern Greece
- Practical knowledge of DoValue, Intrum, Cepal and other servicer practices
- Direct and realistic case assessment — no empty promises
Frequently Asked Questions About Funds
Yes, provided the transfer was lawful and the claim is enforceable. However, loan portfolio transfers raise serious legal issues — standing, completeness of the claim, accuracy of the principal amount — that can be effectively challenged. Every case is reviewed individually.
A fund does not hold a banking licence and operates under a different legal regime. Notification obligations, charge limits, and standing requirements differ significantly from those of a bank — and these differences can form the basis for a legal challenge.
Technically yes, but it is not recommended. Funds employ specialist negotiators who know exactly where you stand. Without a review of the claim, you risk signing a settlement for an amount you do not owe, or on terms that do not serve your interests.
Do not ignore the notice, but do not sign anything without legal review. Request a full detailed statement of the outstanding amount immediately and consult a specialist lawyer to assess the legality of the transfer and the accuracy of the claim.
Assess Your Case Today
Every day of delay strengthens the fund's position. Contact us for a full assessment of your legal standing.
Book a Consultation