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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||Used only to collect performance data, with any identifiable data obfuscated
||This cookie is strictly necessary for Cloudflare's security features and cannot be turned off.
- 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.
- The analytics service(s) used by Our Site use(s) Cookies to gather the required information.
- The analytics service(s) used by Our Site use(s) the following Cookies:
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||Helps to understand how their visitors engage with our website
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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
16:51 PM, 3rd November 2018, About 5 years ago
Well that is as I said completely insane. I am at a loss.
16:58 PM, 3rd November 2018, About 5 years ago
Why would I want to change or switch Mortgages when I would of been charged a 4%
( ERC) ?
Don’t understand why you ask this question AA
17:07 PM, 3rd November 2018, About 5 years ago
All of you people reading my thread after look from outside the box.
I have found the DNA on how Banks /BS commit “ fraud” that’s it ,you were all meant not to understand it , but in its complete simplist form an anomaly of £3 £4 £9 etc could be overpayments of intetest of £100 £200 £500 please try to understand it ,this is the extra “ Brucey bonus “ that banks do not want you to see.
Mortgage Annual Statements don’t give you this information , millions of repossessions would have to be examined if I won my case.
17:26 PM, 3rd November 2018, About 5 years ago
In 2015 I highlighted then on Property 118 the issue titled “ Lenders hidden trick” progression of the investigation since then as highlighted the unbelievable severity of the situation even being backed by the Network Institute of Forensic Accountants ( NIFA).
My case would be irrefutably won at a trial.
Richard believe the unbelievable I have the unquestionable proof.
Hopefully my Private Prosecution will bring an end to this “ Criminal Fraud” protected by the people who you think are there to protect us.
21:16 PM, 3rd November 2018, About 5 years ago
Reply to the comment left by AA at 03/11/2018 - 15:04
AA, I do recall the BofI scam but not the details. I was though one of those scammed by West Brom who tried to use T&C's small print to raise the interest rate on BTL tracker mortgages. OK we took them to court and got our money back but initially first thing I did was call FCA. The answer was "Sorry we can't/won't help you because as a landlord you are not considered a consumer (ie owner occupier mortgage borrower) but a business". In other words "Get stuffed!"
6:30 AM, 4th November 2018, About 5 years ago
Yes but what you may not know the ( FCA) is obliged to investigate if the Lender is Authorised and Regulated by the ( FCA) they have to follow the rules set by the ( FCA) not many people are aware of this , it was the Lender who directed me to go to the ( Financial Ombudsman Service) but I did not know then I was being set up.
The ( FOS) survive by payments from the Lenders so it is an in house “snare” set up by the government to prevent you going any further especially if your claim could open the flood gates.
Technically you are covered by the ( FCA) but Andrew Bailey the head of the ( FCA) just acts as the same as the ( FOS).
The West Brom Case is nothing in terms of monetary claims.
I have been “ nicknamed” the Julian Assange of Mortgages that is why no authority wants me in the papers.
Once I go to trial and win I will be attacking the ( PPI) hidden in Mortgages this is also huge, most people are also not aware that Lenders underwrite their own insurance policies I bet you did not know that😊
That is why repossession is very popular amongst Lenders.
And to top it all Building Societies are actually Banks.
But one step at a time.
6:34 AM, 4th November 2018, About 5 years ago
98% of all Building Society Mortgage Accounts are Mathmatically wrong .
Take a look at “ beat the Banks” on the internet that man will tell you everything there is nothing he does not know , Mark could do with having a chat with Mike Begg.
9:07 AM, 4th November 2018, About 5 years ago
The reason I know so much is the 9 years constant research, I have joined the “ dots” and completed the “ jig saw”
I can take everyone from the beginning to the very end.
I am nearly coming to the end of my “ book” which I will give out for free it is a warning to all , Mortgages are needed to keep the country a float.
But Banks are not happy Doubling there money they can through Repossession “ quadruple” profits much earlier rather than waiting (20) years or so.
I am happy for free to come to any venue that as a white board an projector, and show how bad I have been “ fiddled”.
Remember Banks money is the Goverments don’t kid yourself , that is why Banks don’t fail , sometimes they merge and I know why.
I have been followed in my very early morning walks , I am not paranoid or some idiot I have been to three Courts and they will not shut me up , I am 56 years had two heart attacks because of this “ shit” and I will have the “back studs” one day .
9:38 AM, 4th November 2018, About 5 years ago
People within the Legal framework try to assess calculating issues but this is what fails at Court , you need to prove and conclusively show the (DNA) which is irrefutable in any Mathmatical case.
Therefore at any point you consider bringing a case to court you need a member of the Network of Independent Forensic Accountants ( NIFA) by your side , no member will go against what one person as presented or said , they have to sing from the same “ hymn sheet” and no Judge is likely to question a Mathmatical Expert.
This initially was my barristers error at a hearing he assumed he would be able to present the maths , but it fell on deaf ears he was not a certified expert in Maths.
But I will be definitely taking my irrefutable ( NIFA ) Report along with the man himself to my Private Prosecution.
11:35 AM, 4th November 2018, About 5 years ago
Reply to the comment left by peter cookson at 04/11/2018 - 06:30
Well Peter, I wish you all the best with your upcoming endeavours in the courts. Your knowledge far surpasses mine regarding issues I never even knew existed. I fail to understand why a lender might prefer to repossess on a flimsy whim rather than let a loan reach the end of its term. You say plenty of repossessions are happening? Not something I am aware of and I know plenty of fellow landlords.