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.
- 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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- 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
13:01 PM, 12th November 2018, About 4 years ago
If I can help others I will , I am happy to go forward under the umbrella of (Property 118)
Ideally I would need to have a meeting with Mark.
13:29 PM, 12th November 2018, About 4 years ago
Some Landlords may of took their own lives due to Banks actions , if property 118 , the Landlords Alliance etc , want to run with me , the more the merrier.
My case is won we have the ( NIFA) who will back me , you cannot get any better than that.
No Judge, barrister etc can go against what the (NIFA) representative states in a bonified Report.
It is very powerful I will state again Annual Statements are not the whole truth , that is why you are given them openly , Landlords Mortgages are commercial you need every single calculation.
Ask your Lender for a Detailed Account Breakdown of your Mortgage Account you cannot possibly know what’s going with a yearly sheet provided once a year of only 12 payments when you have had 365 (sums) done on a “ daily Rate “ calculated Mortgage.
Computers make errors.
Trust me my case will cause an earthquake.
16:22 PM, 12th November 2018, About 4 years ago
You sound incredibly passionate and I agree with your point.
The trouble is, I, like many others reconcile my mortgages and year end. They are usually spot on, the odd penny here and there.
Even if they are a whole payment out, which I agree would be wrong, it would be a lot of fighting for just a few hundred pounds on each mortgage.
It’s so hard for people to engage in this argument when most of us are grateful we get to have mortgages in the first place.
You should share your story, I think more people would engage.
Saying that a random, unknown landlord may or may not have taken their own lives over this unfortunately just turns people off.
The banks leagal teams will know this, it’s real stories with real people that are needed.
18:50 PM, 12th November 2018, About 4 years ago
I am starting a book it is in ( draft) what I think your missing is you say “ most Mortgages pan out to be correct at the end of the year “
The ( FCA) openly admit at least 750,000 people have been “ double billed”
What about people who were repossessed on Arrears that did not exist, then those arrears figures duplicated to be able state the arrears are “ two months in Arrears “ which contractually allows repossession under ( LPA 1925)
Repossession makes a lot of money that’s why my Lender commited Fraud.
If you provide email I will send you the ( Draft)
18:58 PM, 12th November 2018, About 4 years ago
I wholeheartedly understand your point, I quite believe that 750,000 people have been over charged.
But how many of those 750,000 have been repossessed, and of those that have been repossessed how many were only 8 weeks in arrears on possession day and shouldn’t have been repossessed.
I’d love to take a read, my email is tim at mcfenn dot co dot uk.
20:13 PM, 12th November 2018, About 4 years ago
It seems that some arrears you had with Chelsea Building Society were informally capitalised and when Yorkshire Building Society took over they went ahead and repossessed your property without acknowledging that the arrears had been capitalised.
Obviously, if you miss a monthly payment you will be charged interest on the higher amount outstanding on a daily basis. I wouldn't call that double counting myself. But if you made ad-hoc payments and these weren't credited for the purpose of calculating interest until the end of the year I would agree that is unacceptable and in my view basically fraudulent unless expressly allowed by the terms and conditions.
23:39 PM, 12th November 2018, About 4 years ago
Auto - cap is deemed fraud irrespective of wether in the T/Cs or not.
As per ( FCA) Ban June ( 2010)
As per precedent set Master Ellison (2014)
8:24 AM, 13th November 2018, About 4 years ago
Your reasoning about ( ad- hoc) payments is exactly 100% on why an Annual statement is not fit for purpose.
You are not given an individual receipt of that ( ad- hoc) payment so you cannot see mathematically the benefit of the ( ad- hoc) payment , my overpayment never reduced the capital balance as stated in the T/Cs, to make matters worse they took the payment by Direct Debit that made the Overpayment, so technically they stole my money and hidden it.
So the figure required was deemed to be two month in arrears , if the Overpayment would of been applied correctly ( ie) the Original amount would of been reduced by £191.00 the “ sight “ of this would have “ crucified “ them so they simply would not provide it.
So when something happens Fraudulently by a Bank or BS regarding a very serious wrongful repossession your ammunition is held as “ privileged Information “
Remember I have the benefit of seeing the “ perjury “ that takes place that a Lender will present in front of Judges not many people individually go this far.
However when I get funding for a “ private prosecution “ their walls will come tumbling down and there is nothing they go do to stop it .
I state again an Annual Statement should have attached with it the computation of the Lender this will show everything you need to know by the day, this is what is called being transparent.
The energy secretary wants this to happen for electricity bills , so why not Mortgages this will open “ pandora’s Box”
Message to All Landlords
All we do is get hammered tax tax tax , if a Mortgage is Calculated on a 365 “ daily basis” why is this mechanism hidden from sight , and why is it “ titled” privileged Information? Is that not the opposite of ( TRANSPARENCY) remember a lot can happen in a year .
Let ( property 118) lead the way along with (Landlords Alliance).
9:26 AM, 13th November 2018, About 4 years ago
I read your draft last night, it’s an interesting read.
Unfortunately, whilst I see what the chealsa have done. I think you’ll struggle to gain traction with the masses.
I wish you all the luck in the world with your private prosecution.
16:34 PM, 13th November 2018, About 4 years ago