Property118 Ltd understands that your privacy is important to you and that you care about how your personal data is used and shared online. We respect and value the privacy of everyone who visits this website, www.property118.com
(“Our Site”) and will only collect and use personal data in ways that are described here, and in a manner that is consistent with Our obligations and your rights under the law.
- Definitions and Interpretation
In this Policy the following terms shall have the following meanings:
||means an account required to access and/or use certain areas and features of Our Site;
||means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in section 13, below;
||means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;
||means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”); and
||Means Property118 Ltd , a limited company registered in England under company number 10295964, whose registered address is 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB.
- Information About Us
- Our Site is owned and operated by Property118 Ltd, a limited company registered in England under company number 10295964, whose registered address is 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB.
- Our VAT number is 990 0332 34.
- Our Data Protection Officer is Neil Patterson, and can be contacted by email at email@example.com, by telephone on 01603 489118, or by post at 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB.
- What Does This Policy Cover?
- Your Rights
- As a data subject, you have the following rights under the GDPR, which this Policy and Our use of personal data have been designed to uphold:
- The right to be informed about Our collection and use of personal data;
- The right of access to the personal data We hold about you (see section 12);
- The right to rectification if any personal data We hold about you is inaccurate or incomplete (please contact Us using the details in section 14);
- The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you (We only hold your personal data for a limited time, as explained in section 6 but if you would like Us to delete it sooner, please contact Us using the details in section 14);
- The right to restrict (i.e. prevent) the processing of your personal data;
- The right to data portability (obtaining a copy of your personal data to re-use with another service or organisation);
- The right to object to Us using your personal data for particular purposes; and
- If you have any cause for complaint about Our use of your personal data, please contact Us using the details provided in section 14 and We will do Our best to solve the problem for you. If We are unable to help, you also have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s Office.
- For further information about your rights, please contact the Information Commissioner’s Office or your local Citizens Advice Bureau.
- What Data Do We Collect?
- Date of birth;
- Address and post code;
- Business/company name and trading status;
- Number of properties owned;
- Accountants details;
- Contact information such as email addresses and telephone numbers;
- Proof of residence and ID;
- Financial information such as income and tax status;
- Landlords insurance renewal dates;
- Property Portfolio details such as value and mortgage outstanding;
- How Do We Use Your Data?
- All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with Our obligations and safeguard your rights under the GDPR at all times. For more details on security see section 7, below.
- Our use of your personal data will always have a lawful basis, either because it is necessary for our performance of a contract with you, because you have consented to our use of your personal data (e.g. by subscribing to emails), or because it is in our legitimate interests. Specifically, we may use your data for the following purposes:
- Providing and managing your access to Our Site;
- Supplying our products and or services to you (please note that We require your personal data in order to enter into a contract with you);
- Personalising and tailoring our products and or services for you;
- Replying to emails from you;
- Supplying you with emails that you have opted into (you may unsubscribe or opt-out at any time by the unsubscribe link at the bottom of all emails;
- Analysing your use of our site and gathering feedback to enable us to continually improve our site and your user experience;
- Provide information to our partner service and product suppliers at your request.
- With your permission and/or where permitted by law, We may also use your data for marketing purposes which may include contacting you by email and or telephone with information, news and offers on our products and or We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with Our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003.
- You have the right to withdraw your consent to us using your personal data at any time, and to request that we delete it.
- We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Data will therefore be retained for the following periods (or its retention will be determined on the following bases):
- Member profile information is collected with your consent and can be amended or deleted at any time by you;
- Anti-Money Laundering information and tax consultancy records are to be kept as required by law for up to seven years.
- How and Where Do We Store Your Data?
- We only keep your personal data for as long as We need to in order to use it as described above in section 6, and/or for as long as We have your permission to keep it.
- Some or all of your data may be stored outside of the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein). You are deemed to accept and agree to this by using our site and submitting information to Us. If we do store data outside the EEA, we will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the UK and under the GDPR
- Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard and secure data collected through Our Site.
- Do We Share Your Data?
- We may share your data with other partner companies in for the purpose of supplying products or services you have requested.
- We may sometimes contract with third parties to supply products and services to you on Our behalf. Where any of your data is required for such a purpose, We will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, Our obligations, and the obligations of the third party under the law.
- We may compile statistics about the use of Our Site including data on traffic, usage patterns, user numbers, sales, and other information. All such data will be anonymised and will not include any personally identifying data, or any anonymised data that can be combined with other data and used to identify you. We may from time to time share such data with third parties such as prospective investors, affiliates, partners, and advertisers. Data will only be shared and used within the bounds of the law.
- In certain circumstances, We may be legally required to share certain data held by Us, which may include your personal data, for example, where We are involved in legal proceedings, where We are complying with legal requirements, a court order, or a governmental authority.
- What Happens If Our Business Changes Hands?
- How Can You Control Your Data?
- In addition to your rights under the GDPR, set out in section 4, we aim to give you strong controls on Our use of your data for direct marketing purposes including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the links provided in Our emails.
- Your Right to Withhold Information
- You may access certain areas of Our Site without providing any data at all. However, to use all features and functions available on Our Site you may be required to submit or allow for the collection of certain data.
- How Can You Access Your Data?
You have the right to ask for a copy of any of your personal data held by Us (where such data is held). Under the GDPR, no fee is payable and We will provide any and all information in response to your request free of charge. Please contact Us for more details at firstname.lastname@example.org, or using the contact details below in section 14.
- All Cookies used by and on Our Site are used in accordance with current Cookie Law.
- Before Cookies are placed on your computer or device, you will be shown a cookie prompt requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended. You will be given the opportunity to allow only first party Cookies and block third party Cookies.
- Certain features of Our Site depend on Cookies to function. Cookie Law deems these Cookies to be “strictly necessary”. These Cookies are shown below in section 13.5. Your consent will not be sought to place these Cookies, but it is still important that you are aware of them. You may still block these Cookies by changing your internet browser’s settings as detailed below in section 13.9, but please be aware that Our Site may not work properly if you do so. We have taken great care to ensure that your privacy is not at risk by allowing them.
- The following first party Cookies may be placed on your computer or device:
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||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:
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||Helps to understand how their visitors engage with our website
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- In addition to the controls that We provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all cookies or only third party cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
- You can choose to delete Cookies on your computer or device at any time, however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.
- It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.
- Contacting Us
16:55 PM, 28th May 2015, About 8 years ago
You will be very unlikely to get RGI in these circumstances without a guarantor. And make sure its a properly set out Deed of Guarantee drawn up by someone like Tessa who sometimes posts on here. A guarantor signing as such on the tenancy agreement is not worth the paper its written on.
And I agree with Romain and Anthony...HB + CCJ = Risk. Don't get sucked in by the LA and their money.
18:00 PM, 28th May 2015, About 8 years ago
Are you sure the landlord references are genuine? I have a fraudster in my house who tricked his way in by forging landlord and employer references sufficient to fool the referencing firm used by my letting agent although not me when I eventually managed to see them. I found the genuine agent letting the previous property simply by doing a Zoopla search on the previous address. On phoning him I discovered the family had been evicted for non payment of rent to the tune of £12k. He now owes me nearly £5k and I'm in the process of eviction. Watch out for things like gmail addresses and mobile rather than landline numbers. If you're not given the name of a reputable letting agent as a referee a google search might throw up information such as xxxxxagency not found as in my case. This bloke did not have any ccjs but I discovered he is also director of a limited co and that did have a recent one. This completely by passed the referencing agency. Personally I wouldn't risk it. People can think they're being very clever by hiding things and.presenting plausible stories when questioned and you may not find out the truth until it's too late.
19:06 PM, 28th May 2015, About 8 years ago
The CCJ is for a car hire debt .... not rent arrears to a previous landlord. The Council are offering you an incentive to take the tenant. I assume you have met them and you like them and they "scrub up well"?
You could go and personally visit them (where they are living now) to see for yourself whether they are looking after their existing property. You could also ask why they are looking to move ... and make sure this checks out with the current landlord / letting agent.
Also .... with the Council "on side" ... I don't really see the risk. They are offering you an incentive to take the tenant so, I would presume, they will also help you get rid of the tenant (by moving them somewhere else) if things don't go to plan. Ask the council whether they will help you or not if things turn sour?
I take loads of tenants on HB and many with CCJs (but never with CCJs for non payment of rent) ... and have never had a problem. Getting rent guarantee insurance for a HB tenant with a CCJ is probably going to be impossible.
I think you should trust your "gut instinct" ......
Mark Alexander - Founder of Property118
8:09 AM, 29th May 2015, About 8 years ago
If you feel you need to take a commercial view, at least insist on seeing 6 months bank and credit card statements and meeting them in their current home.
11:23 AM, 29th May 2015, About 8 years ago
Don't touch them with a barge pole (CCJ + Benefits = trouble)
if they ever get into arrears they will be coached by the Local Authority to stay put while you evict them and this often takes about 5- 6 months in some cases and there is nothing you can do about it.
Run a mile
10:25 AM, 30th May 2015, About 8 years ago
Interview the tenant yourself. I had a couple once coming out of bankruptcy, down to their previous partners. They were desperate to re-establish themselves and were just about perfect tenants.
22:21 PM, 30th May 2015, About 8 years ago
May be I am just stupid. How do you feel about the people. If you don't give someone a chance how will the ever get back on track.
You can do all the checks you want if it is going to go wrong it will. Nearly all the time it works out.
Even the so call brilliant landlords who do every thing right make mistakes.
Give them a chance. Funny some of my tenants who I had doubts about are my best tenants.
8:00 AM, 31st May 2015, About 8 years ago
Sarah, you have mentioned some important points ,Council incentive WHY !!!!!, previously in a HOUSING ASSOCIATION PROPERTY, normally these people can transfer from region to region,is it not strange that the Council will now pay a higher rent to a private landlord than to a H/A where they were already in adequate housing. Are they paying back the C.C.J. amount , ask the prospective tenant for proof. of repayment. Ask the Council for extra BOND /DEPOSIT as they have already offered you MONEY. Just try to cover all bases, but as already stated you will get people that pass all the stress tests even via the agent and it still goes wrong . Ask the council direct face to face with the prospective tenants permission by letter ,any SKELETONS in the cupboard please, if any of them refuse then walk away.But they just might be good but as we know only time will tell.
9:11 AM, 2nd June 2015, About 8 years ago
What if I just put the wife on the tenancy and not the husband with the ccj. I could then get rgi since she is sqeaky clean. I'm not sure what the implications Are of having wife and not husband on tenancy agreement. I'd like to take them especially as I turned up unannounced to their current immaculate rented property. And previous 2 landlords spoke highly of them.( one a housing association and one a letting agent I know well). The £1000 incentive for me is to cover some of the costs of previous tenant which I pushed for. Commercially this is a good deal and out of the 7 council tenants I've had, only one was bad, but she was great for first 4yrs of tenancy and I had 42k worth of rent, mainly housing benefit out of her
10:25 AM, 2nd June 2015, About 8 years ago
If you leave the husband off the tenancy agreement you will have no course for a CCJ and legal recourse against him if things go wrong.
One of the great bargain powers bailiffs have against a debtor is their vehicle, if that vehicle is in the husbands name and he is not on the tenancy agreement it can not be touched, this means you will be left trying to get bailiffs into the property to try and recover any outstanding funds. You may want to look at what if their is damage to the property also and the wife states the husband did it, you would have a job recovering damage compensation and also your house insurance may not want to cover you.
I previously mentioned a full experian credit report against both of them, is it something you have looked into ? It will give you a lot better insight into their previous activities.