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:
Name of Cookie |
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.
- 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 |
Provider |
Purpose |
__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.
- 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
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.
Jill Lucas
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Sign Up14:13 PM, 12th August 2014, About 10 years ago
It is almost impossible to get rent arrears from people on housing benefits - quite simply they tend not to have any money! To get to a combined total of £6000 of rent arrears - if the rental was say £500 pcm this has been going on for a while. Perhaps there are deposits you can claim back. I believe you can claim the legal costs for a section 21 against tax. Ideally you need to meet up with the tenants and have a face to face discussion about their proposals to pay these arrears - sounds like they are spending their benefits on other things! and you may have to consider writing this off
I don't have anyone on benefits because of nightmares in the past - although I have one exception a tenant claiming disability and housing benefit and the only way I would accept the tenancy was for the money to be paid direct into my account.
Monty Bodkin
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Sign Up14:38 PM, 12th August 2014, About 10 years ago
Yes, I think you should.
£25 for a MCOL for the first £300 of the arrears. (£15 if you are a higher rate tax paying landlord)
Another £100 for the remainder, as circumstances dictate.
Plus any enforcement.
All reclaimable if successful.
Keep a track of them on line periodically, and locally for the next 6 years +.
Helps stop them doing it to another landlord, it's good odds for a chance of payment and helps you deal with the emotional stress just for the time it took to post this question.
Robert M
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Sign Up20:03 PM, 12th August 2014, About 10 years ago
Unless they have assets worth seizing (car maybe?), or are working, or have a rent guarantor that you can sue, then it would be extremely difficult to recover money from them and taking court action is likely to cost you more than what you eventually recover.
Consider what you may realistically recover, and whether it is worth the hassle and cost of pursuing it.
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Sign Up1:48 AM, 13th August 2014, About 10 years ago
Monty and some of Robert's posts are "on the money" ( pun intended ) for me.
PLUS, don't think All HB tenants are the same, i.e have little of value to re-posses.
You can even get a good deal of success by using Civil enforcement companies, who are a whole lot better than the bailiffs ( which isn't hard, is it )
Monty Bodkin
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Sign Up12:34 PM, 13th August 2014, About 10 years ago
Reply to the comment left by "Robert Mellors" at "12/08/2014 - 20:03":
Hello Rob,
I'm very glad you've replied as I think our areas might overlap
-ever had any tenants connected to Manton ?
Do you think your laissez faire approach might be working against you in the long run?
You are sending a clear message that paying rent to Robert Mellors is optional as it isn't worth the hassle and cost for him to pursue it.
I make it very clear to my tenants that paying the rent is their number 1 financial priority and I will definitely go through the hassle and cost to pursue them if they don't pay.
What you've said is that they are never* going to have any assets, never going to work and never even going to find a partner that does. Are all your tenants really like that? (I've read your previous posts of the sector you work in and find it admirable)
Also as I said earlier, it is an odds thing. Even if most of your tenants are like that, it only takes recovery of 1 out of 10 tenants that owe you a grand for you to break even.
I do know where you are coming from though, as for years I had exactly the same attitude and I've writ off thousands. Surprisingly, since adopting a zero tolerance to it, my arrears level is now nearly non existent.
And to be blunt, if our areas do overlap, you have inadvertently been sponging off the work I've been putting in to make it clear that paying rent is not optional.
Not meant to be abusive or over critical, just hoping you might re-think it a bit.
*not quite never but for at least 6 years+
Robert M
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Sign Up13:16 PM, 13th August 2014, About 10 years ago
Reply to the comment left by "Monty Bodkin" at "13/08/2014 - 12:34":
Hi Monty
Yes, I do have a few tenants in Manton.
Most of my tenants are on Housing Benefit, though not all of them. In these circumstances I usually get the HB paid direct to me, and if there is a service charge I get this deducted from their JSA/ESA at source (i.e. the DWP deduct it from their benefits and pay it to me), so these actions help to ensure that the rent (and service charge) is paid, and is thus not "optional" as you put it. I also get the DWP to deduct from their benefits for any rent arrears, and although this is only at the set rate of £3.65 pw, it does mean that the arrears start coming down instead of going up. Such action to prevent arrears occurring in the first place is not exactly a laissez faire approach, a lot of work goes into it.
I have not said that my DSS tenants will never have assets, or be worth pursuing for the debt owed. What I said (or meant) was that I take a realistic look at what is likely to be recovered, the costs of pursuing it, and whether it then makes financial sense to spend money pursuing it at that time. Of course a person's situation can change, so it may be that a year later the person has money (or assets or employment etc) which will then alter the financial viability of pursuing the debt via court action.
I have taken some DSS tenants to court in the past, got CCJs against them, but then had no effective means of enforcing the CCJ, as I have found that the bailiffs (both county court bailiffs, and high court sheriffs) were ineffective. I have also referred cases to various debt collection companies, but with very limited success. - Indeed, it often seems to me that it is the legal system as a whole that has the laissez faire approach, as they provide no effective means to enable landlords to recover former tenant arrears from DSS tenants (without assets or employment). This is one of the reasons why DSS tenants are often considered to be high risk, and why many landlords will not let properties to them.
In relation to Sanjay's original question as to whether it is worth the hassle and cost to pursue a former DSS tenant debtor, then it depends on the likelihood of recovering anything. The tenant is that case owes a lot of money so this is one factor, but there are lots of factors we do not know, so no definitive answer can be given. My advice to Sanjay is to pursue the debt through court action only if there is a realistic chance of being able to enforce the county court judgment, but this "chance" may change as the debtor's circumstances change over time.
Monty Bodkin
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Sign Up13:31 PM, 13th August 2014, About 10 years ago
Thanks for that Rob, thought there was more to it than it seemed from your earlier post.
Maybe it's actually been me sponging off your work in Manton!
Arran Pritchard
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Sign Up5:02 AM, 2nd October 2014, About 10 years ago
Reply to the comment left by "Robert Mellors" at "13/08/2014 - 13:16":
Hello Mr Mellors
I have a portfolio of 130 rooms in north wales, I house benefit tenants who have accrued significant rental arrears. I have just learnt of the DWP third party deductions for service charges and am currently implementing this.
Do you have the HB paid direct to yourself from the start of each tenancy ?
I am struggling to convince my local authority to do this, currently they will only pay direct to landlord after 8 week rent arrears has accrued.
How have you negotiated this to your satisfaction ( if at all ).
Thank you in advance for any advices / experience.
Regards
Arran Pritchard
Robert M
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Sign Up8:18 AM, 2nd October 2014, About 10 years ago
Reply to the comment left by "Arran Pritchard" at "02/10/2014 - 05:02":
Hi Arran
100% of my HMO residents have their HB paid direct to me, and about 90% of my tenants of self-contained properties.
1. Have a clause in your occupancy agreement which says that if resident will be claiming HB then it is a condition of the granting of the occupancy that HB is paid direct to the landlord.
2. In your housing application form, make sure you ask the questions that indicate in what way a person may be vulnerable, i.e. less able to manage their own finances, e.g. do they have any debts? do they have a history of homelessness? have they ever been evicted for rent arrears? do they have criminal convictions? have they ever had to manage their own tenancy before? do they have mental health problems or learning difficulties? do they have a drink or drug dependency? do they struggle to budget effectively? have they been referred to you by a homelessness charity/organisation? have they spent time in hostels, DV refuge, or drug/alcohol rehab?
3. Using the info obtained in the application form, or speaking to the resident, ensure that you include this information in the HB application form, and also back this up with a letter (or better still, an e-mail) to the HB Dept, requesting HB is paid direct to you due to the reasons stated (include all relevant vulnerabilities, and the condition of occupancy clause).
The HB Dept will not grant payments direct to you across the board as a matter of policy, but they do have to consider each request on it's own merits, so will grant it on a case by case basis, but if you do it right then you can effectively get this in place for every new resident (plus defaulting current residents).
Of course you cannot retrospectively impose the "HB direct occupancy clause", so for existing residents you will have to rely on making a good argument to the HB Dept as to why they should pay you instead of the resident, e.g. 8 weeks arrears.
Arran Pritchard
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Sign Up10:24 AM, 2nd October 2014, About 10 years ago
Thank you Robert,
I will move ahead with this, amend my AST, create a Housing Application form and complete the Housing Benefit forms accordingly, including all with the application claim for Housing Benefit.
I suppose to apply this to existing tenants, I have the existing tenants sign the new AST, complete the Housing Application, then re-submit these to housing benefit.
The third party deductions to cover the service charge, is this paid direct to you from the start ? my local authority will only pay third party deductions to the landlord again after 8 weeks of arrears have passed.
Your self contained rooms, by this I understand you provide a private bathroom, kitchenette or designated cooking area and facilities. By doing this you achieve the one bedroom rate instead of the lesser shared room rate. I understand the one bedroom rate is only available to tenants 35 years old and over.
Regards
Arran.