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:
|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
13:41 PM, 19th January 2017, About 6 years ago
Reply to the comment left by "Pru Counsell" at "19/01/2017 - 10:24":
I'm disgusted with my language and tone as well Pru, but John says he can't afford their arrears.
Perhaps you can. Write him a cheque for 3 months rent and let him pay you back when their backdated payments come through.
Hmm not as appealing a thought now is it?
I used to be like you Pru,
I even have leaflets and pamphlets for tenants in difficulty, but you may as well burn them, because John is about to be bankrupt himself with sentimental thought processes that we all go through.
If his tenants really cared they would have already have a claim in process, but I would bet a fiver that they haven't even filled a form out yet.
To prove it, ask for the claim reference number!
They simply don't care, because their life is sh*t and in their eyes their landlord is the richest person they currently know.
What circumstances on his tenancy agreement says if you are unemployed you are entitled to skip paying rent and bankrupting your landlord is permissible?
That's right it doesn't.
Regardless of my tone, John will lose thousands whether or not he evicts now or under grounds 8.
So as he's paying for his own heart attack, let his tenants feel some heat.
Seems perfectly fair to me.
14:04 PM, 19th January 2017, About 6 years ago
Reply to the comment left by "Harry Chunk" at "19/01/2017 - 10:00":
I'm not hard nosed Harry,
That's my problem, (apparently),
my partner says I'm too soft with tenants and calls me bumblie bee.
She however has a Masters Degree, teaches private tuition and has a 3 cleaning jobs for survival.
Her sympathy for benefit claimants is about 3-4 weeks, after which she thinks they should be sewn up at both ends and fed through a straw until they either get a job or burst.
We live in Birkenhead, where rent is low on the priority list with a fair few benefit tenants in the same street.
They have very nice cars and know the system inside out.
I have my own PCOL login and quite a few evictions under my belt, I hate doing it, but I view it as my duty to save my sanity.
I'm a big daft pussycat, until I smell a rat!
14:47 PM, 19th January 2017, About 6 years ago
Hi John, One further factor that no-one has mentioned is whether the tenants moving onto benefits could be perceived as a breach of your mortgage lender's conditions? DSS beneficiaries are excluded from ours. When one (non-DSS) family who had been regular payers for 3 years became refugees and then had to apply for benefits, I made sure to write to the lender to notify them of the change of circumstance. The lender did not reply, but I have a read receipt for the email so consider myself covered. The refugees were good to their word, caught up with the arrears that had accrued for a couple of months during the hiatus of the benefits application, and a year later they continue to be good tenants. It was a risk for us and we have had other tenants who've seemed very nice and then told bare faced lies, but you need to use your own judgement as to whom to trust. Good luck.
2:19 AM, 20th January 2017, About 6 years ago
Reply to the comment left by "Pru Counsell" at "19/01/2017 - 10:24":
I am too, as I am a tenant that is on housing benefit, due to being unable to work for health reason's. I have always paid my rent on time. You can ask the tenants to request that the rent is paid directly to you from the council.
7:43 AM, 20th January 2017, About 6 years ago
Reply to the comment left by "Mrs Property" at "19/01/2017 - 14:47":
Many thanks for the advice.
7:44 AM, 20th January 2017, About 6 years ago
Reply to the comment left by "Sarah Hibbert" at "20/01/2017 - 02:19":
Thank you Sarah. I wish more people were as honest as you.
1:36 AM, 21st January 2017, About 6 years ago
Reply to the comment left by "Sarah Hibbert" at "20/01/2017 - 02:19":
Oh no Sarah, we nasty, disgusting landlords are at fault again are we?
So not so fast, you have offered your opinion, which is fine, so now it's my turn.
I have some tenants rent paid to me directly from councils also.
I hate it, because the system is a complete con and makes me avoid any brown envelopes on my hallway carpet.
We have all used direct payments at some point, but Sarah, the problematic tenants on benefits sooner or later end up being sanctioned, at which point the landlords can be crippled with the same sanction.
When that happens, do you know what happens to the landlords business?
I doubt that you do, because your suggestion that the solution to a defaulting tenant is direct payment to the landlord, would be valid,if the system wasn't rigged against the landlord in the first place.
What happens is that the landlord gets a brown envelope and in it is a letter,which rips apart the souls of sentimental landlords.
It contains a demand for payment for whatever the council calculates they should get back, from the tenants.
But as the Data Protection Act is used as a weapon against the landlord, we cannot defend ourselves and put up a fight, because the councils won't disclose anything that is useful.
The result is that they have to pay the council back, until it gets sorted out, but 8 times out of 10 it never is.
When it's a small figure of a couple of hundred pounds, you can absorb the cost.
But when it's £1000+, the councils have one simple approach and one target and it isn't ever the tenants.
So just imagine that you went to a cash machine and it dispensed your money out in cash.
Then 7 months later you had to pay it back to the bank when it was discovered that the money notes you were given were dispensed from a criminal activity,that somebody else had committed.
Would that be fair?
Now would it be fair if your landlord had to, because you had given him the cash straight from the cash machine?
Who should pay?
Why would anybody say it's your landlords fault? - they simply wanted their lawfully due rent, they didn't want to be a cash dispenser for the council.
Well strangely enough, the law says that the landlord has to pay!!!!
That is just one of the many reasons why Landlords run a mile from benefit tenants and have in their adverts "No LHA, HB, JSA, UC or Benefit Tenants", we have nothing against the tenants, it isn't their fault as they didn't design the system.
But some wanker did and it wasn't a landlord.
In regards to direct payment, it's the equivalent of farming four leaf clovers for a living, getting an outbreak of fungus just before farming day and one leaf falls off each clover.
You are then left just with a load of dirt you can't pay for.
However, in regards to this post, if you recall,the tenants have said they are not going to pay this month, they have a baby coming and they are going to "start" a claim.
Are you seriously defending their position?
You actually have something to offer your landlord in return for the asett he or she has purchased and handed you legal possession of.
What's your home valued at in your area?
Maybe it's £100,000 or more, who knows?
How does the landlord pay for that asett, if there is no rent coming in?
Your asset isn't you, it's your monetary value.
If you mess it up, you have no value to any anybody except a socialist politician.
The tenants in this post are not in your position, it would be great if they were.
They haven't, they are spent up after XMAS, put each other in the family way and have diddly squat to offer and haven't even got off their backsides to try and safeguard their home with the free money dispenser called UC or LHA.
What if they don't get accepted?
What if they don't qualify?
What if there is a claim delay of 8-12 weeks
What if they get UC and receive direct payment and tell the landlord their claim is delayed and it isn't?
What if they get sanctioned?
Well I think you will find that their landlord will not be as rich as you or they think he is.
So who will pay his Buy To Let Mortgage interest payments?
Who will pay his tenant tax Section 24 from April 6th?
Who will pay for his buildings insurance?
Who will pay for any repairs?
Who will pay him a wage if he's a full time landlord?
What if the landlord becomes ill like you are and can't work?
The answer is NOBODY.
Try going to Aldi, Tesco, Asda or any other shop and get your food that way and there's a couple of security guards who will put the contents of the trolley back on the shelf for you as they leave a dust print of a size 11 shoe on your arse.
You are trying to rationalise what would be called theft in any other business or industry.
The use of food banks are criticised. How quaint!
It's demeaning apparently, I would probably agree, but at least they exist and have been paid for by someone in a position to pay for them.
Maybe we should have petrol, diesel and car banks as well, when people object to the cost of motoring.
People are given free food and then whinge about it!
It's FREE for F Sake!
Everyone else has to pay we don't qualify for it.
This World runs on money, sorry if you think it's on sentiment, but my bank manager and supermarket say they want paying.
Those tenants deserve evicting because they are taking the piss.
At least you made the effort to get what you are legally entitled to.
At the time of the post, they hadn't even bothered.
13:29 PM, 21st January 2017, About 6 years ago
Reply to the comment left by "Gary Dully" at "21/01/2017 - 01:36":
I think all Sarah intended to say was that she objected to being described as some sort of scumbag by association. You did after all call her a "lying, conniving tenant who can’t get of their backside and get a part-time cleaning job to pay towards the bills". I'm not sure her brief reply to that merits a 1000 word rant in response. I'm fairly sure no one even mentioned food banks.
Incidentally the idea that the tenants in this thread haven't claimed HB is something you have invented for yourself. The post says that they have claimed. All that we know is that the council has not yet discussed the case with John; which is unsurprising given that he has only sent them one polite email.
18:32 PM, 21st January 2017, About 6 years ago
I do a lot of LHA. The system is frustrating yes and the government is slow yes but in fact they are a very good payer. 95% of mine get paid direct. It gives me control and yes they come after you sometimes for overpayments but they try it on as we are an easy target but they are so often wrong . So I challenge and they go away .
I have a good link in with the councils landlord liaison officer who helps smooth the dialogue. But yes it takes time and with a target 10 day turnaround of e mails for my council it can be exasperating at how slow they work. So my contingency fund is crucial here so the cash flow is maintained. I just got a back pay today of 3 mths rent now they have finally sorted it . I understand that many would not want that uncertainty.
Tenant selection though is key to much of this. A working tenant can get a P45 and become LHA within 24hrs and vice versa so whilst its fashionable to perhaps stereotype LHA tenants as bad dudes this often masks the blaming of the person who actually selected the tenant in the first place.
If one has a trouble with an LHA tenant or a working tenant look to the person who selected that tenant and the fault can often be found there. Its too easy to blame the source of the rent for a business failure.
Tenants personality do not change overnight just because they become LHA or because they start off as LHA. Some LHA tenants are great some are rubbish . Some working tenants are great some are rubbish. I aim to select the good tenants not the rubbish ones. That`s down to my own people skills. Tenants also should aim to select a good landlord not a rubbish one. Its a two way thing
So sorry Sarah and Pru for the way you have been attacked . You didn`t deserve that
John - if the tenants are good people they will want it sorted as much as you. Just keep on top of it . This will test your management skills as you will now by default experience and learn about another side of your business. Managing LHA systems is more intensive at the set up stage but its all doable and can have good rewards as an investment strategy.
More so in the past than now though it has to be said
20:27 PM, 21st January 2017, About 6 years ago
Reply to the comment left by "Jonathan Clarke" at "21/01/2017 - 18:32":
I agree with you Jonathan, to a point.
If it's genuine, fair enough, but come on, a benefits bill of £billions?
It has to be tackled, sooner or later.
This thread started with a landlord, who was inexperienced, has no surplus funds to spare and wanted advice.
You indicate that you have a contingency fund and can handle LHA difficulties, congratulations for that.
However, you know as well as I do, what built in inertia LHA tenants have and you also know the substantial risks of accepting Direct Payments from the council can have when it goes wrong.
When they ask for all or part of a claim back, it's absolutely devastating and the actual benefit claimants never have to deal with the consequences in the vast majority of cases, because they have no asset. At best they will contribute a small percentage.
Last year alone, I had over 7 clawbacks to deal with in Leicester, resulting in me having to pay back over £2400.
My wife was beside herself with rage on how we had to pay it back, and write it off, whilst at the same time paying for the existing expenses, that as landlords, we all face.
The result has been that we are removing all our benefit claimants as fast as we can from our portfolio, because they are too risky now to contemplate.
I accept that some people can never work a full time occupation, but that doesn't mean they can't do something.
If they anyone can write on this blog, they can do Facebook marketing, after training or offer something on Fiverr of Upwork.
If they can walk,they can replace the vinyl white lines on our roads.
I'm never going to accept that they are incapable, because they are either lying or someone has cut off their arms at the elbow.
My youngest son has severe communication problems due to autism, but he doesn't sit on his backside, because we won't let him.
He works a few days a week in a cafe washing dishes for bugger all money and is in a Duke of Edinburgh training scheme on the other days.
He gets limited DLA, I have no problem with that, he contributes as best he can.
I have had 5 heart bypasses and I still work, despite sounding like a sex pest on the phone after two flights of stairs.
What I do have a problem with is the ladies and gentlemen of our parish, who have figured out how to deal with a free benefits system, have managed to acquire a drug habit, drive a new car every 3 years, go on holiday, get up at 2pm each day and go to bo Bo's at 2.30pm in the morning.
They have now retired from work and will never work again, unless it's cash in hand and not declared.
They even ask me for any decorating work for cash and offer different items for sale that have a 5 finger discounts from local high street shops.
Some, by smoking skunk and crack, now get paid for hearing voices as well.
They even pay money now for bipolar and paranoid schizophrenic reactions to smoking drugs.
The really smart ones officially split up and get two houses, claim for LHA on each and then move back in together and sublet the other one to a few Romanians or Polish workers in the area.
They have a free paid for house, a permanent bed in maternity booked every 15 months for their latest arrival, a benefits claim handbook and the latest in anything electronic.
What a wonderful bunch of entrepreneurs they all appear to be.
A rant it may be, but seeing is believing.