Privacy Policy
BACKGROUND:
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.
Please read this Privacy Policy carefully and ensure that you understand it. Your acceptance of Our Privacy Policy is deemed to occur upon your first use of Our Site
. If you do not accept and agree with this Privacy Policy, you must stop using Our Site immediately.
- Definitions and Interpretation
In this Policy the following terms shall have the following meanings:
| “Account” |
means an account required to access and/or use certain areas and features of Our Site; |
| “Cookie” |
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; |
| “Cookie Law” |
means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003; |
| “personal data” |
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 |
| “We/Us/Our” |
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 npatterson@property118.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?
This Privacy Policy applies only to your use of Our Site. Our Site may contain links to other websites. Please note that We have no control over how your data is collected, stored, or used by other websites and We advise you to check the privacy policies of any such websites before providing any data to them.
- 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?
Depending upon your use of Our Site, We may collect some or all of the following personal data (please also see section 13 on Our use of Cookies and similar technologies):
- Name;
- 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?
- We may, from time to time, expand or reduce Our business and this may involve the sale and/or the transfer of control of all or part of Our business. Any personal data that you have provided will, where it is relevant to any part of Our business that is being transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use that data only for the same purposes for which it was originally collected by Us.
- 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.
- You may restrict Our use of Cookies. For more information, see section 13.
- 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 info@property118.com, or using the contact details below in section 14.
- Our Use of Cookies
- Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve Our products AND/OR We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times.
- 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:
| Name of Cookie |
Purpose |
Strictly Necessary |
| JSESSIONID |
Used only to collect performance data, with any identifiable data obfuscated |
No |
| __cfduid |
This cookie is strictly necessary for Cloudflare's security features and cannot be turned off. |
Yes |
- 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:
| Name of Cookie |
First / Third Party |
Provider |
Purpose |
| __utma, __utmb, __utmc, __utmt, __utmz |
First |
Google |
Helps to understand how their visitors engage with our website |
| _fbp |
First |
Facebook |
Helps to understand how their visitors engage with our website |
- 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
If you have any questions about Our Site or this Privacy Policy, please contact Us by email at info@property118.com, by telephone on 01603 489118, or by post at 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB. Please ensure that your query is clear, particularly if it is a request for information about the data We hold about you (as under section 12, above).
- Changes to Our Privacy Policy
We may change this Privacy Policy from time to time (for example, if the law changes). Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up-to-date.
Tricia Collick
12:48 PM, 12th August 2015, About 9 years ago
Reply to the comment left by "LS " at "12/08/2015 - 11:17":
finally had a call back (3rd attempt) with somone (Nick) who can actually do something, getting a fixed rate at 3.29% for 5 years with no switch cost and a max overpayment of 10%/year in a lump sum of min £500 , if I can manage 10% it would reduce my mortgage by almost half while the rate is lower....big ask of relatives to help out !
Waiting the offer letter which I have to get back by end August. I will make sure I read their Ts and Cs carefuly knowing now how slippery they can be !
I hope they are quick getting the offer out !
Concerned about my BOI mortgage
12:57 PM, 12th August 2015, About 9 years ago
Who is the mortgage with Tricia?
Mark Alexander - Founder of Property118
14:59 PM, 12th August 2015, About 9 years ago
IMPORTANT REMINDER
There is a deal you can switch to with BoI, basically the deal I put Tricia onto.
See this link >>> http://www.property118.com/bank-of-ireland-deal/76533/
.
Tricia Collick
8:19 AM, 13th August 2015, About 9 years ago
Reply to the comment left by "Concerned about my BOI mortgage" at "12/08/2015 - 12:57":
The mortgage is with Bank of Ireland, (buy-to-let)
Originally takenout with with Bristol & West who sold their mortgage business to Bank of Ireland. So I never chose B of I !
Paul Brindley
8:41 AM, 13th August 2015, About 9 years ago
Reply to the comment left by "MADOONA G" at "12/08/2015 - 00:22":
What many if you may be missing is the fact that sometimes the borrower will have used a lawyer who the bank introduced to deal with the mortgage. That lawyer owes a duty of care to both the bank with which it has a separate agreement and the borrower, putting them in a position of conflict. And then they fail to advise the borrower in writing that there was a possibility under the terms of the loan that the bank could increase its differential, this is negligence committed by a professional owing a duty of care to the borrower and at a time when they're conflicted, enabling a disgruntled borrower to bring the lawyer in to any legal action either as a co defendant alongside the borrower if the bank is taking action against the borrower say on a repo attempt by the bank or as a co defendant alongside the bank on any action the borrower is taking against the bank. And my experience is lawyers' professional indemnity insurers tend to settle well before any bank would. Something to think about ...
By the way, given that I'm now bring bombarded with emails of new posts to this forum by people who appear to have woken up thinking there's a chink in the bank's armoury and are looking for free lawyer and other advice and help but wouldn't put their hands in their pockets when asked to, I'm unsubscribing so won't be ravaging any responses to the above point I made about the position of conflict some lawyers will be in.
Simon tk
21:47 PM, 13th August 2015, About 9 years ago
Can someone please explain why this ruling is not applicable to us? thanks
23:50 PM, 13th August 2015, About 9 years ago
Reply to the comment left by "Paul Brindley" at "13/08/2015 - 08:41":
Dear Paul
I assume you mean that I have just woken up . I have been fighting against BOI for the last 7 years over one matter or another.( not allowing me to port my mortgage when I wanted to - having a base rate tracker that wasn't a base rate tracker - having a 50 % increase in 2012 on one part of my mortgage only to be swiftly followed by another 50% increase on the second half of the mortgage on 2013. having complained to FOS 4 times about BOI conduct. This was all Well before the first post on this forum and my discovering Property 118 existed . I discovered property 118 to late to join your "pay in" forum . The reason I have posted the Simon Pugh ruling is because some people would be bound on their mortgage offers to the T& C which are mentioning section 6 (F) if this is the case they can re visit the FOS and quote this ruling and get their money back . I am doing them a favour by posting this ruling . Plus the more the BOI have to pay back to any consumer the happier I feel . I can assure you I have a very large mortgage and would have very much liked to stayed on the old rate and not paid the increase - however my hands were tied because I had my family to think of - so I decide to complain instead quoting un fairness - not receiving the right information at the time and no mention of differentials ever in any conversations be it broker/ lawyer or BoI - I would like to sue my lawyer ( who I never even spoke to - all correspondence was via letter and the broker - they have gone bust and to ground - so no point suing them) but she the conveyancer has left the company and I do understand this is a possible route and I could sue the company - and I am thinking of doing just that! however the point I would like to make about that the ruling by Simon Pugh is over an error and all of a sudden the lucky Mr and Mrs J get their money back ! so if they got those T & C s many may have had the same ones - so these consumers can claim back . The ones who didn't get any can say their offer referred to the same erroneous T& Cs whether they received them or not - so they can claim back .
as all other arguments have failed as you can see from the comments on here ( its not fair / we didn't get T&C / we weren't told about the differentials / they had the right re capitalise etc ) plus the west brom class action did'nt do as well as expected its no wonder that people give up the fight.
However the fact that BOI has made an error in its literature is great news! SO turn omission of T&Cs being doled out on its head and we can all say we aggrieved we didn't have those T&C - let the BOI prove they didn't give out more of those erroneous T&Cs in 2004. maybe because of this error they didn't send out T&Cs when they should have done - have you thought of that ?
I personally think I am onto something - so I have asked for Simon Pugh for copy of the T&Cs he is referring to ;
Dear Mr Pugh
Thank you for the information in relation to your statements and findings. Please advise which T & Cs you are quoting from and please supply a copy of the Residential Mortgage conditions that you have used for your verdict.
My mortgage was also taken out in January 2004 and is in two sub accounts. Your ruling may apply to my case.
Funnily enough I have my reply and very swift it was too he originally said he could comment only on what is stated in the report ;
Dear x
I’m afraid I can’t comment any further on the case that was the subject of my decision. If you have any queries about your own case, you will need to get in touch with the adjudicator who dealt with it. Each case is dealt with individually.
Yours sincerely
Simon Pugh
I would call that a door slamming and a very quick response it was not 18 months like my Adjudicator took to say no to my case ! Plus he wont tell which T &Cs he is referring to contain the error ? I have a copy of 2002 T&Cs they don't contain the error but who is to say the Mortgage regulations he is referring should have been received by everyone by law and if the bank has not issued them ! the case against them can be fought against them due to simple administration error in the contract instead of highbrow legal arguments regarding contractual law which have got us no where!
So I do think I am onto something and I am sorry you feel that you have been inundated with emails and will leave the fight ! because you are in a position to help people and I cannot if you point each emailer to the ruling - consumers can check to see if they had the same error in the T&C or if they didn't receive the T&Cs they can start saying that it was due to that error the bank failed to send out T&Cs and they too would be entitled to a refund if the bank cant prove they were never sent the erroneous copy. Even if BOI had to rescind their decision on say a handful of people say another 2000 . multiply that by say £10,000 over paid a piece that's a lot of money lost by BOI and that will make be feel extremely happy . The offer you mention on the buy to let is a sweetener for some but I think the bank is trying to appease a few more people so people stop thinking about the illegal hike - why else would they be doing it - they are normally as tight as a gnat's arse ! plus why did they offer sweeteners to some people to take their mortgage elsewhere previous to that ? we do not know how many cases they have had to rescind - I would love to know that ! 13,000 affected - maybe 3,000 left to go elsewhere, they didn't really want them any way - 1200 rescinded as mortgage tied to bank account ( as per news report) - 1 case lost at FOS for sure - buy to let offers maybe taken up by 2000 ! All speculation I know but nevertheless this bank needs to be taught a lesson !
0:12 AM, 14th August 2015, About 9 years ago
Reply to the comment left by "Simon tk" at "13/08/2015 - 21:47":
Simon - look at the ruling carefully and read it a few times - check your paperwork in particular your mortgage offer to see if it matches what Pugh quotes - if its mentioning the same section 6( f) you may be one of the lucky ones and the offer refers to the Mortgage Regulations which contain the error . section 6 (f) is blank so the contract you are bound by is flawed therefore the FOS ruled that the contract does not hold and you can't change the differential . BOI tried to say it was just a printing error and the couple should of realised that but FOs ruled that in probability they cant be expected to know what should have been written there.
If any one can shed light on which mortgage regulations he is talking about please advise - Pugh has flatly refused to tell me which mortgage regulations he is quoting from - the couple took out the mortgage in 2004 did any one receive mortgage regulations at the same time that contain this blank section 6 F - I would love to get my hands on a copy and send it to a solicitor to see what his thoughts are on the matter ! does anyone know the lucky Mr and Mrs J ?
2:08 AM, 14th August 2015, About 9 years ago
The Residential mortgage Conditions that the FOS mention in the Final decision is
Residential Mortgage Conditions 2001 Bristol and West - and I have printed a copy off - it was provided by property 118 after I googled for Mortgage conditions for BOI .
The mortgage offer letter of Mr and Mrs J contained an error and referred to sect 6 f instead of 6 t when referring to the residential mortgage conditions in relation to varying the interest rate . 6 f doesn't state the terms by which you can vary the ' differential ' but 6 t does - so basically on this technicality the Ombudsman ruled the rate could not be changed and they were due a refund so I can only conclude that unless your offer letter contains the same mistake the T&Cs are binding according to FOS .
However I don't understand how the Bank Of Ireland can get away with sending out / these residential terms to Buy to Let or to BOI mortgage holders when they are B&W residential mortgage conditions. Pity the FOS couldn't have been more forthcoming it could have saved me a lot of time - on the bright side -I searched the FOS decision page by putting in Bank of Ireland in the search bar and there are over 30,000 complaints.
search results (11-20 of 37045)
http://www.ombudsman-decisions.org.uk/
search key words for Bank of Ireland - must of cost the UK FOS a fortune by now !!!!
GHH 64
9:47 AM, 14th August 2015, About 9 years ago
If I can pick up on Paul's comment above & it is something I referred too in a previous post Almost a matter of course the same solicitors acted on both sides of BOI mortgage transactions. To the best of my knowledge in the case of problem mortgages in NI the bank through its own litigation solicitors has been quite active, aggressive even in pursuing other local solicitors in relation to these