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 firstname.lastname@example.org, 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 email@example.com, 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:
|Name of Cookie
||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:
|Name of Cookie
||First / Third Party
|__utma, __utmb, __utmc, __utmt, __utmz
||Helps to understand how their visitors engage with our website
||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
18:34 PM, 3rd April 2013, About 10 years ago
Patience will be the key. 18 months ago our tenant torched our property, the good news is that the insurance covered everything fire related, the bad news is that it took 8 months and alot of phonecalls (mainly down to a useless loss adjuster).
Our insurance company did pay our rent but it was every 2 months and in arrears.
The biggest propblem now is trying to get insurance on the property due to size of the claim and the circumstances.
You will get paid for everything you buy, door, locks ect... but it may take a few months to get your money back.
The main thing is to keep on top of your insurance company,but don't let it stress you out, this wont be a quick fix.
19:54 PM, 3rd April 2013, About 10 years ago
You could end up losing the property!
You have suffered a loss of amenity to the property.
It will take about 6 - 9 months to sort.
During this time your tenant will get fed up waiting and go and get another tenancy.l
You will not be able to stop this due to the fire that occurred.
An AST normally allows exceptional situations such as this allows the tenant to surrender the tenancy.
When this occurs you will have NO rent coming in.
The insurance should cover most things; but as you have discovered you WILL be out of pocket.
If you CANNOT service the mortgage payments you WILL lose the property if you cannot service the mortgage payments.
I had exactly the same situation as you; but I didn't have the fire; just sewage flood damage.
No tenant was there when the flood occurred at the time which was only a few days after the previous tenant vacated.
I hope you are a good LL and your tenant wants to stay with you.
If I was your tenant I would just go and find another property to rent.
I would not want to wait around for months on end in other temporary rental accommodation; I would see little point in bothering.
There are plenty of rental properties out there that are not fire damaged.
So if I was you I would plan for having NO tenant paying rent and it taking ages to fix the property.
YOU WILL lose thousands of pounds; so you need to have sufficient resources to cover the loss of rental income and the other loses not covered by insurance.
Sorry to be the bearer of bad tidings.
I lost £8000 until my sewage flooded property was repaired by insurance.
Perhaps you could persuade your tenant by rent reduction that would still be sufficient to pay your mortgage but compensate your tenant for all the hassle he would have until he could reoccupy the property.
That could persuade me to stick with you!
22:18 PM, 3rd April 2013, About 10 years ago
Try appointing your own loss adjuster to act in your interest it might save you a money.
14:34 PM, 4th April 2013, About 10 years ago
Sally that is reassuring to know that you could claim everything back, I am expecting it to take a while to sort out. I will try not to stress!
Good news is we had the scaffolding go up yesterday, bad news is it was put up on the wrong house!
17:03 PM, 4th April 2013, About 10 years ago
Oh no Helen, although that does conform to my simple two rule policy:
Rule 1) No one will ever do anything the first time round
Rule 2) If rule 1 does not apply they won't do it right anyway.
Remember keep communicating with the insurance company to cover yourself as calls are recorded.
17:15 PM, 4th April 2013, About 10 years ago
Hi Helen, yes I've had a house fire, only in one room of an HMO but was put out very quickly by another tenant. ( would you believe he was a fire officer from Poland. )
the room was gutted. and settlement was quick about 2 weeks after I got a couple quotes and we settled in cash.
anyway, it's all down to the 'contents ' part of your cover.
the contents includes; rehousing your tenant, emergency repairs( such as tarpaulin for the exposed roof ), and of course the contents themselves. NOT your tenants- yours. damage to heating equipment, pipes, wiring, carpets, everything that is not your tenants property. they would need their own policy.
1. get a roofing contractor to cover your roof and ask for a quote for doing a proper repair. he may cover it for free if he thinks he's going to get the big job.
2. get a local building company in to quote for the repairs below the roof and the roof itself.
you may get one company to do both. establish a time frame for the repairs start and finish as you can also claim for the loss of rent ( also part of your contents )( include your agent fees. and always add another month. reason is simple; it will always take that extra time. you have to wait 3 weeks before you can re-decorate to let the new plaster dry out, but a builder only quotes the time it takes to do the job, and not the drying time.
ps; as for all that soot, for your own safety always wear a particle mask when entering the building. disturbed / airborne soot will damage your lungs. especially if you're doing work on the property.
just read Paul's comments. I ended up £5k ahead.
why...because there is always more than one way to skin a cat.
18:36 PM, 4th April 2013, About 10 years ago
I had a gas explosion - long story short it was the tenants fault (thank goodness) and eventually the insurers agreed to cover my claim. I think they had little choice because it was very high profile - made it onto the local ITV news and the BBC news website etc
Anyway, the property was very badly damaged - lost the roof and most of the insides.
I just assumed the insurers would get on with rebuilding (as they had accepted the claim) and the loss adjustor even rang to ask if I'd accept pre-formed roof trusses rather than rebuild the roof as original. So I thought things were moving along.
It's my fault but because, being honest, I was a little traumatised, I didn't really check up or push things.
9 months after the explosion nothing had happened - the insurers hadn't even covered the roof, so what was left of the insides became totally unsalvageable.
Under different circumstances I would have sued them.
Anyway, it all came to a head because the insurers told me I was under-insured. I knew that was nonsense and asked then to produce 3 quotes to prove it.
They said they don't get quotes, they ask their builders to use a scale of charges.
Again, I said nonsense - when I claim I have to produce 3 quotes so you should do the same.
In the end they said "If you think you can do the work cheaper we'll cash you out in full and final settlement. Tell us how much you want".
So I made them an offer and they accepted and sent the cash to my bank account.
I'm close to finishing and will get the work done for about 25% of what their builder quoted using his scale charges.
I'll also have a cash surplus which insurers have told me they are happy for me to keep.
So the moral of the story is keep on at insurers, don't assume they are doing anything, insist they cover the roof until work is ready to proceed, and don't take any nonsense from them about rebuilding costs. I'd get a couple of quotes to use against them just in case they try it on a bit..
At times I felt totally despairing but in all honesty things have turned out ok
Incidentally, I was worried about what would happen when I came to renew my policy. My 'then' insurers wanted to double my premium and hit me with a large excess, not surprisingly.
But I was able to shop around and found an insurer who took me on at the previous level of premium. This year they even reduced my premium.
So that was also a good result.
20:01 PM, 4th April 2013, About 10 years ago
Hi Helen. Sory to hear of your problem as it could happen to any of us, but untill we push the insurance Co's, we don't really know where we stand.
I have just taken out insuranc on a BTL property and the Insurance brocure I received has got to be 30-40 pages. Talk about covering themselves. Plain english would help.
Had a break in in one of my properties couple of years ago, the door was smashed to pieces (sledge hamer ?). This took place at night over the August Bank hols and was reported to the police by the post man the next morning as there was no door to post the letter through! The tenants were into the second week of their holidays abroard.
I got a call about 11o/c that night from the police so i attended the sceen. they called out a 24 hour emergency boardin service who fitted steal grids across the front door. Half hour work my bill was about £175.
I informed the insurance co. they would send some one round in a few days to assess. I told them there was no way into the property because the front door was broken into pieces and boarded over with steel. The tenants were due back in 2 days and I needed a front door to be fitted now.
Their reaction was nothing could be done untill the loss ajduster had made a report.
I emaild them photos of the broken door, steel boarding, and police crime number, and asked them if they would pay the hotel bill for my 2 tenants and their 4 kids.
They said they could do nothing. i said i will get and fit a new front door so my tenants could get in after their return from holiday.
They said if I did anything I would not be refunded. I spent 1 day finding an over sized hardwood front door (34" x 80"), and fitted it myselr the next day, in time for my tenants return,
In the end the insurance co paid for the cost front door, and the emergency boarding, but nothing for my 2 days time and labour! They still insisted in 2 quotes, the cheapes was £1200.
They would have been happy for my tenants to be homeless while they ticked their boxes. If I had the money I would have put my tenants in a hotel for 3-4 weeks while they got their fingers out, and then gave them the total bill. this might have been £2000-3000?
Because I acted in the best interest of my tenants they paid £550, cost of boarding co and cost of my new door!
My advice is You have insurance (hope they cover loss of rent, should also include tenants accomadation). Put in writing what is required, scaffold, tarps over the roof etc, to prevent more deteriation. as the tenants are in accomodation ask if they cover tenants accomodation eg 6 months tenancy elsewer, hotel, etc.
Pay you monthly mortgage, borrow the money if you have too, and wait on the insurance co. They will pay in the end.
They take our money easy enough but are always trying to avoide paying.
In my case I did the work (dont know if i would do it again) They did not pay for my time (2 day) petrol or labour, so I saved them a lot of money.
For the next 3 years I have to pay a higer prium on 5 different BTL policies because I claime for the cost of a new door about £335.
Sit and wait any other damage ass a result off them not taking action they will have to pay for. Write your letter and take photos and vidio of damage now and again when they decide to take action.
20:09 PM, 4th April 2013, About 10 years ago
I have come late to the different ways you can skin a cat!!
I've learnt my lesson for future and in such a similar case I will always have a tenant in occupation to enable the insurance company to pay for alternative accommodation and that tenant I KNOW will NOT wish to give up the tenancy!!!..................................................which means the insurer will pay the provider of the alternative accommodation for as long as needed.
The provider will always be someone I know!.................................................funny that!
I think you will be disappointed as to the time it takes to resolve the repairs.
Insurance company are slower than sloths in my experience and I have had quite a few claims!!!
20:14 PM, 4th April 2013, About 10 years ago
There is NO insurance policy that will pay for loss of rent in the event of loss of amenity which causes the tenant to quit the tenancy.
If there is please tell me and I'll sign up immediately.