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:
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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.
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- The analytics service(s) used by Our Site use(s) the following Cookies:
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First / Third Party |
Provider |
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| __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.
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- 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.
Puzzler
7:53 AM, 28th August 2013, About 11 years ago
This is a tricky one. Please get professional advice.
You need to decide separately about your marriage (which you appear to want to save) and the tenancy.
There is nothing to stop your husband doing what he has done: I had the same problem with my spouse. You cannot stop the bank giving them credit cards (which you then have to pay off). I even had a window company provide a loan on my spouse's say-so who wrote my name on the application (not even an attempt at my signature). I contacted trading standards as they are not supposed to do this under consumer credit legislation and was told that I had no case as the salesman could argue that he had acted in good faith (ha ha).
REgarding the tenancy please get advice from a specialist.
If your husband has mental health issues and you want to stay married perhaps you can get power of attorney and have him declared unfit to manage his own affairs. Your GP might help you with this. But again you need much more serious advice than you will get here.
Puzzler
13:29 PM, 31st August 2013, About 11 years ago
Reply to the comment left by "Puzzler " at "28/08/2013 - 07:53":
PS - your husband and his son plus other family members are living in the buy-to-let? That will contravene the lender's conditions. However you are still in your marital home? So have effectively separated? In that case you need to get your financial arrangements sorted asap. But you have two houses and each of you is in one which is probably what would be the outcome. The only thing on your side is that your marriage is relatively short. Get yourself a good family solicitor now! If this is true your tenancy issue is irrelevant as they are family not tenants and your husband has a right to put his son in there unless you own the property in your sole name (I am not sure about that but others here might know more).
A NON
22:48 PM, 31st August 2013, About 11 years ago
Thnks everyone for your comments. Yes landlords can be prosecuted for allowing possession, distribution and manifacture of drugs esction 8 of the misuse of drugs act . There is an article on internet 'tenants and drugs Guidance for landlords'
Our rented house is a buy to let mortgage and the particular mortgage company is one that does not allow rent to families or our selves living in it.
They have told me that the house should be viewed as a business and not a home. In our case the rental paid for the mortgage on both our marital home and the buy to let, therefore it is a joint income. Some money has now been paid to cover our debts. I have been informed that the situation can be different to years ago where you just went back to removing your names from mortgages. The person taking over the property has to be able to afford the new mortgage, be it a buy to let or residentual therefore we cannot do this as our credit rating is low.
So I would lose income and considering my husband was in significant debt when we met it would not be fair to divide at this stage. Especially if we were to take out what we have put into our marriage.
I really was looking to see if anyone else had had problems with rent to HB tenants, drug abusers, and partners who were prone to irrational desisions. From a egal and landlord piont of view
What I have found out has been very helpful, but I have also talked to those who deal with drug abusers and it appears that they can be very difficut to evict but can lead you as alandlord into difficulty and even trouble.
Interesting I have spoken to someone recently who had an agency managed house with HB tenants. One day she decided to drive by as she could not get tenant to answer calls about rent arrears. To her horror the front door was off its hinges, and the tenant was in jail waiting for trial. It turned out it had been like that for several weeks but police had not informed her and agency did not know anything about it. So things could be worse for me I suppose.
I thank you all for your comments and will get back if I have any more to report.
Yes it might be the case that divorce would be a good thing, but I know that I am devoted to my husband despite his odd behaviour, and with time I hope he can see this.
Puzzler
21:51 PM, 2nd September 2013, About 11 years ago
Reply to the comment left by "J B" at "31/08/2013 - 22:48":
But your B2L house IS being occupied by family which is not allowed...
Your husband is very lucky to have you, I hope he comes to realise it 🙂
A NON
13:37 PM, 3rd September 2013, About 11 years ago
Thank you for your comment, It is a ticky one when you dealing with someone who has problems, and trouble is you have to really wait until they hit rock bottom. I have just found out that another term of out mortgage is to have buildings insurance so that is another expense that I will have to deal with. Thanks again
lauren field
13:58 PM, 4th September 2013, About 11 years ago
Reply to the comment left by "J B" at "27/08/2013 - 20:05":
i have read this thread through now 3 times & I have to say i find it confusing.
However, what I have interpreted is that the whole situation is being let to continue based on 'emotional sense' as opposed to 'good sense'
Do you love your husband? really love in the sense that you would do anything for hiim? If the answer is yes, then ask yourself this are you actually helping him or you just to scared to take action? And what are you scared of / Presumably the reaction of his son, girlfriend and no doubt your husband.
I think you also need to ask yourself this - Does your husband love you?
If he does why isn't he living with you? You have made excuses for his behaviour and don't get me wrong that is very easy to do when you love someone but the situation you find yourself in is making you miserable & I suspect not what you expected from your life together.
You only get to live once (that i personally know of) so perhaps you need to stop making excuses & take charge of the situation.
Do you want to lose your income & potentially your asset? Or does it not bother you?
In 1992, I worked for a letting agency that renting out a property to a couple where one of the tenants went slightly mad due to mental health issues. This involved firing a gun at the neighbours and moving all teh furniture outside and grass, mud and dirt inside. It was a complete nightmare to evict them and was a very stressful time both for us the agents and the landlord. Not to mention the affect it had on the partner of the tenant whom lived in denial for over 6 month in the belief he could 'fix' his partner. (Yes they were both men) Mental Health is awaful and your husband may need help but are you really in a position to solve his issues considering he doesn't think he needs help right now?
Is this really the life you want? Nevermind divorce right now I think you need to really sit and work out what you want for the rest of your life. You're clearly not a millionare and do not have the cash/funds available to continuosly bail hm out. Or do you/
He is not your responsibility, he is your husband! Is he actiing in a manner that is loving, respectful and in a way that is expected from a husband? Frankly, from what you have written I would say NO
Time is precious and SHORT stop wasting it as you cannot get it back. You are not this mans mother if he doesn't want to live with you then face upto reality and STOP making excuses.
Give him an ultimatum if you have to but be prepared to follow through. Yes its painful right now and will be painful to end your relationship but it won't be painful forever The worse part is making the decision. The easy part is following through once the decision has made.
Start looking after yourself. No one else will. Why are you putting yourself through such crap? Do you not deserve a loving husband?? We all make mistakes, personal, business and just general. So don't beat yourself up.
Separate the two issues - yes of course thats hard. But you really do need to open your eyes and take the rose coloured glasses off. you sound like an amazing person to have generously paid off this guys debts and put you in a position to purchase his house outright. No offense but if he got a mortgage on his own (albeit 70%) is he really that mentally challenged? And yes I have a friend who is bi-polar (he's lost a home, been made bankrupt twice but still runs his own business)
The very fact he has moved in with his son should be ringing alarm bells !!!! Start listening to them
As for the tenants its about time you took control of that. I would at the very least get a solicitors letter sent to them all individually and jointly informing them that they are living in the property without your permission and that they are contravenng the requirements of the buy to let.
Second, I would get a solicitors letter sent to your husband, demanding he provide your solicitor with a copy of the tenancy agreement, a detailed statement of the rent to received to date & reiterate that by living in the property it is againt the conditions of the buy to let mortgage and therefore actions needs to be taken, either he moves out or a new mortgage is secured.
By sending a solicitor letter it may just be a jolt that he needs. BUT whatever you do I would start using professional third party help as that will keep emotions out of it so as to distance yourself.
I understand that this is a horrid situation for you but unless you take control you will end up even more depressed.
You are clearly not stupid, but perhaps lacking a little confidence in yourself & maybe a little scared of how it will all play out. Well hold your head up high and get stuck into resolving it and you will start to feel better!
You've been given some good advice on here so perhaps it would be a good idea to re-read peoples comments as they have cared enough to post to try and help you
You will be ok just take control. Posting on here is a great start and I assume you've begun researching.
Finally, don't blame the DWP, if a signed tenancy agreement has been presented to them why wouldn't they take it at face value. Just imagine how many they see each day.
See a solicitor, get some proper advice. Take some action. Don't let your husbands mental health issues paralyse you. You don't have mential health issues (yet) so sadly you need to take control by yourself.
Barbara Thorning
16:04 PM, 4th September 2013, About 11 years ago
It appears there is a strong case of co-dependency here, something which is a very powerful pull in the belief that it is a way of remaining attached. There are solutions to the house/mortgage/tenancy issues which have all been suggested, but adopting them would break the co-dependency cycle because there is the risk the husband might just survive alone after all if he were forced to. I'm not sure that would be the desired outcome.
Puzzler
9:22 AM, 6th September 2013, About 11 years ago
Reply to the comment left by "lauren field" at "04/09/2013 - 13:58":
Presumably the husband's mortgage was some time ago - sounds like he has got worse health wise.
JB whereabouts do you live? Not your address but area.
A NON
9:42 AM, 6th September 2013, About 11 years ago
Reply to the comment left by "Puzzler " at "06/09/2013 - 09:22":
Marital home is Berkshire. Buy to let is in North London. I had been trying to rent out the house privately (with my husband) and through Help 2 Let through the Council. The mortgage company have differing opinions on what should be done. One person there said that the tenancy was illegal i.e. void, then another said it breaking terms of mortgage but they just send letters to advise us to change mortgage to residential. Another has suggested that we need to let them know we are doing something to rectify the problem i.e. new tenant and utility bills to show we have done this. I have checked on their terms and conditions and it does say no family in house. Furthermore it says another term of the mortgage is to have a buidings insurance, which has now run out and my husband has said we do not need one.
Mark Alexander - Founder of Property118
10:05 AM, 6th September 2013, About 11 years ago
Reply to the comment left by "J B" at "06/09/2013 - 09:42":
If you don't purchase a new mortgage policy you lender will purchase one for you and it may be a lot more expensive. They will chase you for the cost and if you don't pay up it will be added to your mortgage balance and you will pay interest on it. The fact that you are already in breach of the mortgage conditions by allowing your family members to occupy the property as their principal private residence, combined with the default of conditions in respect of your insurance obligation may well lead your mortgage lenders to call in the mortgage and possibly even force a sale or repossess the property and sell it for you. If the sale proceeds are insufficient to repay the mortgage they will sue you for the balance of the debt. This is all getting very serious isn't it? You really do need to follow the excellent advice that's been given you you by the people who have taken the trouble to post their comments above. If you don't, then you only have yourself to blame for the consequences. At the moment you are in control of your own destiny, despite the very difficult circumstances surrounding your marriage. it is up to YOU, nobody else to take control because if you don't take control your mortgage lender will and the consequences and potential impact on your financial well being is potentially devastating.