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:
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||Used only to collect performance data, with any identifiable data obfuscated
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- 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
Mark Alexander - Founder of Property118
17:44 PM, 7th November 2013, About 9 years ago
Hello Alison and welcome to Property118
As discussed in our telephone conversation this afternoon we are honoured that you have chosen the Property118 forum to reach out to the landlord community for the purpose of your research.
Whilst I have no personal experience of mortgage arrears I do speak with many landlords who have had problems.
Primary causes include:-
As you will see, I genuinely believe the primary reasons for landlords experiencing financial hardship are a direct result of their own incompetence. There are of course always going to be exceptions which others here will no doubt be only too keen to point out.
21:21 PM, 7th November 2013, About 9 years ago
I think it's also worth adding to Mark's list:
the slow legal process in evicting bad tenants (it can take many months to get bad tenants into court).
the lack of enforcement options against low income tenants, (landlords need to be given the power to enforce debt orders by means of direct deduction from people's benefits, but this power is not available to county courts, only to magistrates courts for council tax and fines).
delays caused by the court system (it takes months before landlords can apply to the court, it can then take months for the hearing to be listed).
delays caused by the Housing Benefit system, (as Councils can take many weeks or even months to determine a HB claim).
These causes of mortgage arrears are of course mainly applicable to low income tenants, or tenants on benefits, but could also apply to other tenants in some circumstances. It should always be remembered that professional tenants can become DSS tenants very easily, so no matter how good the tenant referencing, peoples circumstances do change and this can impact on their ability to pay the rent.
11:33 AM, 8th November 2013, About 9 years ago
"letting to tenants on housing benefit for example"
I completed an FOI request regarding Housing Benefit tenants in the City of Bradford, that shows that more than 20% of all claimants were (at least) eight weeks in arrears.
This was at a time when LHA can be paid direct to landlords.
The changes towards universal credit may remove that protection form Landlords in order to give tenants "independence".
One interesting point to note is 8 weeks is the amount of arrears you need to issue a Section 8 Fault Based Possession.
A new headline may well read "20% of all LHA Claimants in Bradford are vulnerable to being homeless."
(FOI request was made 05/2012)
I will let you do the maths, if Bradford average weekly rent is £104 multiplied by eight and the 20% of the total claimants. I imagine its a pretty sum that will effect Mortgage Arrears.
11:37 AM, 8th November 2013, About 9 years ago
You would be welcome to post your request to hear from landlords on Property Tribes.
We often get asked to help with research or provide quotes for national newspapers, and are always happy to do this.
Mark Alexander - Founder of Property118
11:50 AM, 8th November 2013, About 9 years ago
My previous posts focussed on factors which landlords "could" control if they knew how. There are, however factors they cannot control, politics being a prime example.
Many of the licensing schemes, including landlord registration in Scotland, HMO licencing, selective licensing and additional licensing increase costs for good landlords without having much if any impact on the criminal elements we are told they are intended to regulate. These extra costs are eating into profit margins which will disappear when interest rates increase. Landlords can plan for increased interest rates and often do. However, they can not plan for additional costs of politically motivated schemes.
I would urge the university researchers to read the following threads, discussions and links within the main articles and comments to gain a better understanding of the underlying issues:-
Enforcement not legislation - http://www.property118.com/enforcement-not-legislation-prs-hit-squads/43894/
The alternatives to Landlord Licensing http://www.property118.com/alternatives-to-landlord-licensing-schemes/42246/
Another external factor to consider is mortgage lenders changing their borrowers perceived terms of their contracts. The impact of some lenders changing their terms will have a ripple effect. For example, where tracker margins have been increased by West Brom and Bank of Ireland many of these borrowers will have accounts with other mortgage lenders. The impact on cashflow will affect the borrower as a whole, not just the mortgage account to which the increase relates. See this particularly long discussion thread >>> http://www.property118.com/west-bromwich-building-society-mortgage-company-increase-tracker-margins-legal-action/43657/
Other readers may also wish to comment on the impact of article 4 planning.
Dr Alison Wallace
13:49 PM, 8th November 2013, About 9 years ago
Thank you for the messages and comments on here. Much appreciated.
And thanks Vanessa for telling me about Property Tribes, I'm heading there now!
Please do get in touch if you have experience of arrears and can help with the project, it would be enormously helpful.
Dr Alison Wallace
10:47 AM, 15th November 2013, About 9 years ago
Reply to the comment left by "Dr Alison Wallace" at "08/11/2013 - 13:49":
****** £30 John Lewis shopping voucher offered for each interview ******
Thank you to the people who have got in touch already. I will be in touch again soon.
Can I just confirm that I can now offer £30 John Lewis voucher as an additional thank you for each individual landlord who talks to us in confidence. Please do get in touch if you're happy to share your experiences.
11:11 AM, 15th November 2013, About 9 years ago
Hi Doctor Wallace,
Can I ask how long your study is running for?
The reason I ask is that we will be holding the Property118.com Virtual Property Show in May 2014 and if the study is still on going into May next year I think it is an event that could aide your research.
The event will bring together property professionals from all areas of the industry and will be attended by many Landlords and I imagine some of the Landlords who attend will have direct experience with this.
One facet of the show is our Networking Lounge where people can chat live via social media channels and interact.
The show is virtual so therefore can be accessed from your home or office as long as you have a computer and a internet connection.
It is free to attend and all you have to do is register and we would be more than happy to accommodate you in our Networking Lounge so you can meet the Landlords in attendance.
You can register at: http://www.property118-virtual-property-show.com/
If you have anymore questions do not hesitate to contact me via our page here.
Dr Alison Wallace
11:16 AM, 15th November 2013, About 9 years ago
Reply to the comment left by "Phil O'neill" at "15/11/2013 - 11:11":
Thanks for your message. That event does sound ideal but the study only runs until the New Year I'm afraid. I'd like to speak with landlords this side of Christmas really.
Thanks again though.
11:19 AM, 15th November 2013, About 9 years ago
Reply to the comment left by "Dr Alison Wallace" at "15/11/2013 - 11:16":
Hi Dr Wallace,
No problem and good luck with your study.
Feel free to register and come along anyway as you may find the information available applicable to any future studies and work you have planned considering you work at the Centre of Housing Policy!
We also hope this will be the first of many shows so we would be more than happy to see you there!