Property118 Ltd understands that your privacy is important to you and that you care about how your personal data is used and shared online. We respect and value the privacy of everyone who visits this website, www.property118.com
(“Our Site”) and will only collect and use personal data in ways that are described here, and in a manner that is consistent with Our obligations and your rights under the law.
- Definitions and Interpretation
In this Policy the following terms shall have the following meanings:
||means an account required to access and/or use certain areas and features of Our Site;
||means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in section 13, below;
||means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;
||means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”); and
||Means Property118 Ltd , a limited company registered in England under company number 10295964, whose registered address is 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB.
- Information About Us
- Our Site is owned and operated by Property118 Ltd, a limited company registered in England under company number 10295964, whose registered address is 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB.
- Our VAT number is 990 0332 34.
- Our Data Protection Officer is Neil Patterson, and can be contacted by email at email@example.com, by telephone on 01603 489118, or by post at 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB.
- What Does This Policy Cover?
- Your Rights
- As a data subject, you have the following rights under the GDPR, which this Policy and Our use of personal data have been designed to uphold:
- The right to be informed about Our collection and use of personal data;
- The right of access to the personal data We hold about you (see section 12);
- The right to rectification if any personal data We hold about you is inaccurate or incomplete (please contact Us using the details in section 14);
- The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you (We only hold your personal data for a limited time, as explained in section 6 but if you would like Us to delete it sooner, please contact Us using the details in section 14);
- The right to restrict (i.e. prevent) the processing of your personal data;
- The right to data portability (obtaining a copy of your personal data to re-use with another service or organisation);
- The right to object to Us using your personal data for particular purposes; and
- If you have any cause for complaint about Our use of your personal data, please contact Us using the details provided in section 14 and We will do Our best to solve the problem for you. If We are unable to help, you also have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s Office.
- For further information about your rights, please contact the Information Commissioner’s Office or your local Citizens Advice Bureau.
- What Data Do We Collect?
- Date of birth;
- Address and post code;
- Business/company name and trading status;
- Number of properties owned;
- Accountants details;
- Contact information such as email addresses and telephone numbers;
- Proof of residence and ID;
- Financial information such as income and tax status;
- Landlords insurance renewal dates;
- Property Portfolio details such as value and mortgage outstanding;
- How Do We Use Your Data?
- All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with Our obligations and safeguard your rights under the GDPR at all times. For more details on security see section 7, below.
- Our use of your personal data will always have a lawful basis, either because it is necessary for our performance of a contract with you, because you have consented to our use of your personal data (e.g. by subscribing to emails), or because it is in our legitimate interests. Specifically, we may use your data for the following purposes:
- Providing and managing your access to Our Site;
- Supplying our products and or services to you (please note that We require your personal data in order to enter into a contract with you);
- Personalising and tailoring our products and or services for you;
- Replying to emails from you;
- Supplying you with emails that you have opted into (you may unsubscribe or opt-out at any time by the unsubscribe link at the bottom of all emails;
- Analysing your use of our site and gathering feedback to enable us to continually improve our site and your user experience;
- Provide information to our partner service and product suppliers at your request.
- With your permission and/or where permitted by law, We may also use your data for marketing purposes which may include contacting you by email and or telephone with information, news and offers on our products and or We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with Our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003.
- You have the right to withdraw your consent to us using your personal data at any time, and to request that we delete it.
- We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Data will therefore be retained for the following periods (or its retention will be determined on the following bases):
- Member profile information is collected with your consent and can be amended or deleted at any time by you;
- Anti-Money Laundering information and tax consultancy records are to be kept as required by law for up to seven years.
- How and Where Do We Store Your Data?
- We only keep your personal data for as long as We need to in order to use it as described above in section 6, and/or for as long as We have your permission to keep it.
- Some or all of your data may be stored outside of the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein). You are deemed to accept and agree to this by using our site and submitting information to Us. If we do store data outside the EEA, we will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the UK and under the GDPR
- Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard and secure data collected through Our Site.
- Do We Share Your Data?
- We may share your data with other partner companies in for the purpose of supplying products or services you have requested.
- We may sometimes contract with third parties to supply products and services to you on Our behalf. Where any of your data is required for such a purpose, We will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, Our obligations, and the obligations of the third party under the law.
- We may compile statistics about the use of Our Site including data on traffic, usage patterns, user numbers, sales, and other information. All such data will be anonymised and will not include any personally identifying data, or any anonymised data that can be combined with other data and used to identify you. We may from time to time share such data with third parties such as prospective investors, affiliates, partners, and advertisers. Data will only be shared and used within the bounds of the law.
- In certain circumstances, We may be legally required to share certain data held by Us, which may include your personal data, for example, where We are involved in legal proceedings, where We are complying with legal requirements, a court order, or a governmental authority.
- What Happens If Our Business Changes Hands?
- How Can You Control Your Data?
- In addition to your rights under the GDPR, set out in section 4, we aim to give you strong controls on Our use of your data for direct marketing purposes including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the links provided in Our emails.
- Your Right to Withhold Information
- You may access certain areas of Our Site without providing any data at all. However, to use all features and functions available on Our Site you may be required to submit or allow for the collection of certain data.
- How Can You Access Your Data?
You have the right to ask for a copy of any of your personal data held by Us (where such data is held). Under the GDPR, no fee is payable and We will provide any and all information in response to your request free of charge. Please contact Us for more details at firstname.lastname@example.org, or using the contact details below in section 14.
- All Cookies used by and on Our Site are used in accordance with current Cookie Law.
- Before Cookies are placed on your computer or device, you will be shown a cookie prompt requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended. You will be given the opportunity to allow only first party Cookies and block third party Cookies.
- Certain features of Our Site depend on Cookies to function. Cookie Law deems these Cookies to be “strictly necessary”. These Cookies are shown below in section 13.5. Your consent will not be sought to place these Cookies, but it is still important that you are aware of them. You may still block these Cookies by changing your internet browser’s settings as detailed below in section 13.9, but please be aware that Our Site may not work properly if you do so. We have taken great care to ensure that your privacy is not at risk by allowing them.
- The following first party Cookies may be placed on your computer or device:
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- Our Site uses analytics services provided by Google Analytics and Facebook. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling Us to better understand how Our Site is used. This, in turn, enables Us to improve Our Site and the products AND/OR services offered through it. You do not have to allow Us to use these Cookies, however whilst Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable Us to continually improve Our Site, making it a better and more useful experience for you.
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- In addition to the controls that We provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all cookies or only third party cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
- You can choose to delete Cookies on your computer or device at any time, however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.
- It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.
- Contacting Us
15:47 PM, 2nd November 2018, About 5 years ago
A missed payment on an Annual Statement does not show if you are in advance or have a credit especially on overpayments , so according to a Mathmatical professor the Annual Statement does not give you the whole truth.
That is why why you need 365 daily calculations then all cards are on the table.
Ever heard of the couple who never missed a mortgage payment but owed thousands at the end , this is why an Annual Statement is totally not fit for purpose on a 365 daily rate calculated Mortgage.
15:53 PM, 2nd November 2018, About 5 years ago
The ( FOS) initially found in favour of the Lender but secretly sent a letter 6 weeks later to the Lenderand said we have had a change in favour of myself.
I amending this thread but I will keep you all posted.
15:58 PM, 2nd November 2018, About 5 years ago
Sorry ending the thread
16:13 PM, 2nd November 2018, About 5 years ago
"If a mortgage is paid in arrears 1 month then how many payments are due from Aug- Dec in the first year.
The (5th) is due in January of the next year the Lender shown that ( 5 ) were due but this breached the contract." - If you made the payment in January you would then only still be 1 months in arrears.
16:22 PM, 2nd November 2018, About 5 years ago
"A missed payment on an Annual Statement does not show if you are in advance or have a credit especially on overpayments , so according to a Mathmatical professor the Annual Statement does not give you the whole truth." - Incorrect. If you requested a redemption statement you could reconcile the amounts you have paid with the balance being stated by the BS.
As I understand it all interest is calculated on a daily basis. It adds up for the BS but is not a convenient figure for a customer to deal with. The monthly and eventual annual payment irons out the different days in the months over the year.
Never heard of the couple who paid regularly and still owed thousands - can you give me a pointer.
6:33 AM, 3rd November 2018, About 5 years ago
When a Judge as to asses a case for wrongful repossession he merely looks at the Annual Statement ? Does he not.
It is all very well you staying over the year it balances but what happens when repossession occurs before it balances out , you are not grasping the issue.
In my case the Loan was £91,481 commenced Aug (07) then by Dec (07) the Loan was £91,477 so can you explain on an interest only loan why it reduced by £4.
The opening balance for Jan (08) was £91,477.00
Give me your definitive answer.
Because I have the answer but when I give you the answer you may understand why an Annual Statement is not fit for purpose and also this is why judges do not see it.
So before you say I need more information “ think” the Judge was not given more information by the Lender? I don’t spend £100,000 to put nonsense on this “ blog”.
6:34 AM, 3rd November 2018, About 5 years ago
7:05 AM, 3rd November 2018, About 5 years ago
I was congratulated by a barrister for the work I had done and also by a “ silk” the Network of Independent Forensic Accountants Also say I am correct and are happy to attend a trial.
The judiciary simply do not want to be involved in creating another and far far bigger ( PPI) I have become a specialist myself it as nothing to do with what is in the contract terms because no contract permits “ fiddling in the maths” or presenting “erroneous Mathmatical figures to the Courts”.
The ( CEO) Mike Regnier of (YBS) ran away from me two months ago when I appeared at the head office.
Believe me or not the ( FOS) played a part in me being scammed , Andrew Bailey (FCA) as chosen to blank me ? They all knew what the Building Society merges were all about.
How many people know that automatic Capitalisation existed in contracts? Quietly banned by the (FCA) June (2010) that simply means you were never in arrears when you thought you had Arrears but if you were repossessed your sitting on a “ gold mine” let alone compensatory interest. It is so you All know “ CRIMINAL FRAUD”.
It gets worse.!
They do not want another (PPI) i need to go to court , but it seems “ strike outs” are another tool for the Lender (3) times I have been stopped in the ( Civil Court and Supreme Court)
So I have to start saving once again for a Private Prosecution they cannot prevent me from this one.
My fight is for everyone especially for the “ Dead” who lost everything and commited suicide, I want to help the families they left behind.
7:25 AM, 3rd November 2018, About 5 years ago
I actually had a meeting with Mr Smith ( barrister) a couple of years ago, who advised me to mathematically prove wrongful repossession.
The algorithm of the Banks is secret and you have to be able to create the Chronological figures that you don’t have then “marry” them to the figure given.
An Annual statement is given but the computation ( Digital Account Breakdown) known as (DABs) is under “ prevalidge Information “
I say no more?
9:37 AM, 3rd November 2018, About 5 years ago
A Mortgage that provides 1/12th Annual Statement ,BUT Calculates on a 365 Daily intetest cannot possibly be transparent.
A shop keeper
Provides 12 Daily till receipts to the tax man for the year.?
The Tax man says your shop is called Sids corner shop open 24-7.
The Tax Man says we need 365 till receipts please.
So if the Tax Man is not happy .
What would happen if Annual Statements were checked by HMRC.
The profit made is not shown ?
It as been one big “ fiddle” for years and years.
Look recently at what an MP was asking the Energy Companies to supply , a statement to be provided that shown the profit the company made on the Account in other words remove the entitlement of “ privileged information “
The “ fraud” that is being carried is Legally allowed because of the words”privileged Information “ Judges don’t see it in Court.
The suggestion it all pans out at the end of the year is ludicrous, because that’s my whole point if the anomaly is used within the year it then becomes a serious issue ,and erroneous figures are produced that are simply mathematically incorrect.
One major serious issue that lay deep in Mortgages had a provision of unilateral automatic Capitalisation, so serious it was banned on the (QT ) June 2010 by the (FCA).
Millions have been frauded but a lid as been kept on it for obvious reasons.
However some High influential people are involved in peeling the lid fully off.
The Annual Statement shows any Arrears in that year , what you don’t see the computer incorporated that same Arrears figure within the Daily Rate of Calculation .
“ Double billed” my friends known as “ Criminal Fraud”