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.
chris wright
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Sign Up12:12 PM, 2nd October 2014, About 10 years ago
I note LL's in the same situations are simply writing it off and adjusting their tax bill, not sure if you can carry it forward if the loss is greater than the profit for the same year - others are seeking out RGI policies to cover them from any future losses.
The court system on civil recovery is weak and those with very little and or no stable job etc can walk away - the CCJ holds limited fear for them.
Robert M
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Sign Up20:01 PM, 2nd October 2014, About 10 years ago
Reply to the comment left by "Arran Pritchard" at "02/10/2014 - 10:24":
Hi Arran
I don't do self-contained rooms. When I talk about self-contained properties I mean flats and houses which are let out (on ASTs) as a whole, not as separate rooms. Most of these are let to families, I only have four that are let to single people. These self-contained single person properties are let to people over 35 years old.
Not sure what you are talking about when you say that your local authority will only pay third party deductions for service charges after 8 weeks arrears, the third party deductions are deductions from the resident's Jobseekers Allowance or ESA so they come from the DWP, NOT from the local authority!
I apply for the third party deductions from the resident's JSA/ESA within a few days of them becoming a resident. They sign a form asking the DWP to do this (a form I have created), and that is sent to the DWP along with a third party payments request letter (that also contains the relevant DWP form). Altogether, this letter (and attachments) comprise 4 pages, but it seems to be effective as I now get the service charges deducted from the resident's JSA/ESA very early in their residency. This helps to protect the resident from getting into arrears and being evicted, and residents themselves prefer this method of paying the service charge (as 99% of them freely admit that if it goes into their bank then they will spend it instead of paying their service charge).
I don't offer ASTs to residents of rooms in HMOs, I only give them a (weekly) licence to occupy. I used to do ASTs for rooms, but found it almost impossible to evict bad residents, and they knew it, so they stopped paying and trashed the houses etc, so now I avoid that by only giving licence agreements. I still have to abide by the Protection from Eviction Act, but now I don't have to wait the usual 6 months or more before starting proceedings.
There are some exceptions to the single room rent rate of LHA, so it is worthwhile learning what these are, as in some cases the HB can cover the service charge as well as the room rent!!!
Robert M
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Sign Up20:09 PM, 2nd October 2014, About 10 years ago
Reply to the comment left by "chris wright" at "02/10/2014 - 12:12":
Hi Chris
Yes, losses from one year can be carried forward and set against profits in future years.
There are very few RGI policies that will cater for HMO landlords letting to DSS residents, unless you also take deposits and have rent guarantors etc, in which case there is less need for the RGI anyway!
I agree that the law is very weak in terms of enforcing CCJs against debtors on welfare benefits, so you have to weigh up what enforcement action would be effective (but stay within the law!!!!).
Arran Pritchard
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Sign Up22:09 PM, 2nd October 2014, About 10 years ago
Reply to the comment left by "Robert Mellors" at "02/10/2014 - 20:01":
Hello Robert,
I came off the phone today with my contact at the local Job Centre Plus, ( its a new process for me, and still I'm doing alot of reading, I think Job Centre Plus is part of or an extension to Department for Work and Pensions ).
My contact explained to receive Third Party Deductions the following has to be met:
a) arrears exceed 8 weeks gross weekly rent (gross meaning service charge + rent)
b) arrears must have been existing for at least 8 weeks
c) the tenant must be in receipt of housing benefit
Are you faced with these same conditions ?
Arran Pritchard
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Sign Up22:15 PM, 2nd October 2014, About 10 years ago
Reply to the comment left by "Arran Pritchard" at "02/10/2014 - 22:09":
Are you faced with these same conditions ? what is needed to bypass these so deductions can be paid direct to landlord before the tenant has accrued 8 weeks gross rent arrears.
Maybe its just I don't have the correct forms ? Currently I only provide them the rent schedule.
Robert M
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Sign Up22:37 PM, 2nd October 2014, About 10 years ago
Reply to the comment left by "Arran Pritchard" at "02/10/2014 - 22:09":
Hi Arran
Most JobCentre Plus staff have never heard of Third Party Payments (TPP) and those that have heard of TPP will know very little about how the system works, so you are lucky to have found someone that knows something about them.
Your contact is partly correct. For getting TPP for rent arrears, then the criteria is normally as you have been told, at least as far as points A and C are concerned, though I have never been told of point B so not sure if that is 100% right. However, that only relates to the set TPP amount of £3.65 pw off the rent arrears, IT DOES NOT relate to the ongoing service charges. Furthermore, the DWP has discretion to grant TPP for rent arrears even if the resident does not have 8 wks arrears, if they believe it is in the resident's best interests, e.g. to avoid eviction, so again this could come down to making the same vulnerability arguments as you used for getting HB paid direct to you without there being 8 weeks arrears.
Thus, (not counting the discretion) you have two scenarios:
1. All residents. Apply for TPP for ongoing service charges for gas, electricity, water, as soon as possible. You are entitled to request this even if the resident has no rent or service charge arrears.
2. Residents with 8 wks arrears. Apply for TPP for both the ongoing service charge AND the standard TPP for rent arrears.
In my properties the service charge is £22 pw, so for some residents I get £22 pw, and for others I get £25.65 pw (i.e. £22 for service charge + £3.65 off their rent arrears). This is paid direct into my bank by the DWP every 4 weeks in arrears, and it currently amounts to approx £1500 every 4 weeks. I estimate that about 90% of this would not be paid to me if it was not done this way, and I would have to evict more people, (with the added cost of eviction, void periods, re-letting, etc), so getting the TPP is probably saving me nearly as much again as what I actually receive in TPP payments. - There is of course some admin costs, and hassle, to factor in though in making all these TPP applications, but probably not as much as would be involved in the necessary evictions if this did not happen.
Arran Pritchard
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Sign Up22:47 PM, 2nd October 2014, About 10 years ago
Reply to the comment left by "Robert Mellors" at "02/10/2014 - 22:37":
Thank you Robert,
May I see your forms, it would me help draft my own,
I understand the message that is pivotal and I need to be sending my local contact and DWP is the risk of the tenant loosing their tenancy.
my email is arranpritchard@yahoo.co.uk
For each Third Party Deduction, I understand the application has to be either:
a) posted to Wrexham Benefits Centre, Post Handling Site B, Wolverhampton, WV99 1FX ( your address would still be Wolverhampton but a different team ? )
or
b) faxed to my local job centre
Regarding the amount, my contact informed a maximum of 25% can be deducted after that they have to ask the tenants permission. She stated the normal benefit rate is £72 therefore the maximum that can be deducted is £18. Any idea as to the discrepancy ? Maybe the benefit rate in your area is higher than £72 per week ? or again my local contact is behind the learning curve a little.
Regards
Arran
Robert M
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Sign Up23:17 PM, 2nd October 2014, About 10 years ago
Reply to the comment left by "Arran Pritchard" at "02/10/2014 - 22:47":
Hi Arran
Yes, I can share the forms/letters with you.
Your contact is getting a little confused, or is not explaining very clearly.
The amount of benefit can vary depending on the person's age, so for JSA the amount for over 25s is £72 pw, but under 25s get much less. The rates for ESA can be different depending on which ESA "group" the person is in. Also, there can be additions if the person also receives certain disability benefits. The JSA/ESA benefit rates are national figures, they do not vary from one area to another.
In relation to the % of the person's benefit which can be deducted, the 25% rule applies (and again there are exceptions) when there is a multitude of different TPPs going out to different organisations, e.g. court fines, water company, gas company, electricity company, social fund loans, previous benefit overpayments etc, and in this type of situation the maximum total amount is normally capped at 25%. In this scenario there is a hierarchy of payments specified in the legislation, so those creditors with top priority will get their TPP but those further down the hierarchy will have to wait until some of the debts to other creditors have been paid off. - Thankfully, debts (rent arrears) to current landlords is high up in the hierarchy.
However, the resident (as part of the occupancy sign up process) will be signing a form to request TPP for ongoing service charges, so that overrides the 25% rule, as the tenant is requesting it (so is giving permission). Also, the purpose of the 25% rule is to leave the claimant with enough benefit to live on (pay ongoing utility bills), and as paying ongoing utility bills is the purpose of the TPP for service charges, then it does not deprive them of those utilities (i.e. it won't result in them having no heating or hot water etc).
Arran Pritchard
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Sign Up23:25 PM, 2nd October 2014, About 10 years ago
Reply to the comment left by "Robert Mellors" at "02/10/2014 - 23:17":
understood, 25% is for service charge arrears ( creditors ), the balance ( with the tenants permission ) is for ongoing service charges.
Therefore I need to draft a form for each tenant to sign that gives DWP permission to make the ongoing deductions.
Much obliged to see your forms, it will assist me to form mine.
Thank you very much Robert, you advice has fast tracked my position saving me time and money.
Robert M
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Sign Up23:39 PM, 2nd October 2014, About 10 years ago
Reply to the comment left by "Arran Pritchard" at "02/10/2014 - 23:25":
25% for creditors generally (not necessarily service charge arrears or utility debts). Most common examples are magistrates court fines, and social fund loans.
If your ongoing service charge (for gas, water, electricity) is more than 25% of the person's JSA/ESA, then (I think) the TPP for other debts, e.g. Social Fund loans, have to wait until the person's income increases to the point where there is part of the 25% available to pay towards this. This can occur for example when a person's benefit goes up when they reach the age of 25, then the proportion being deducted (for service charges paid to you) becomes a smaller % of the total, and that may then let in one of the other creditors to be paid via TPP.