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.
Robert M
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Sign Up14:19 PM, 15th October 2014, About 10 years ago
Reply to the comment left by "Arran Pritchard" at "15/10/2014 - 13:13":
Hi Arran
You have altered some of the forms and procedures I advised, and are also sending the DWP some information they do not need which may be confusing matters. I have sent you a further e-mail with additional advice specific to the paperwork you e-mailed to me.
One of the main points is that you are asking for direct deductions due to rent arrears before there are sufficient rent arrears for this criteria to kick in, but what you are really trying to get is the direct deductions for the ongoing service charges, so you need to adapt the request letter to make it clear to the DWP that this is what you are asking for (and thus however many weeks arrears there are is irrelevant to this particular request).
Make the amendments suggested in the e-mail I've sent you, and send just a few requests at a time (don't overwhelm DWP staff, as it won't do you any favours long term). See what response you get, and build up from there.
David Asker
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Sign Up16:25 PM, 15th October 2014, About 10 years ago
Just thought I'd add my two penneth.
We are instructed on many cases similar to the issues at hand here. If I'm honest, most of these cases are unenforceable at the time of instruction.
However, what we have seen is Landlord's waiting to see if the tenants situation changes for the positive and then re-instructing us to enforce. This can only be done of course if judgment was obtained in the first instance.
One such case was against a former student who left owing £1800 in rent in 2010. We were unsuccessful at the time and aborted the case after many attempts to recover. 3 years later the Landlord instructed us to do an address and employment trace. We found our man who was now working for a well known financial institution and taking home a sensible income. We were re-instructed and this time were successful, recovering the full rent arrears, the court costs, interest at 8% and our fees.
As with most enforcement, the decision should be made on a case by case basis but getting judgment at the time can literally pay off later.
Robert M
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Sign Up17:50 PM, 15th October 2014, About 10 years ago
Reply to the comment left by "David Carter" at "15/10/2014 - 16:25":
Hi David
I agree that someone's situation may change for the better and they may then have assets that could be seized, but unless it's a car easily identifiable as theirs (and not bought on a finance agreement), then they can just tell you to go away, as you have no right of entry to residential accommodation, and until the law changes on this, then you are virtually powerless unless they choose to co-operate. However, in an instance such as the one you give as an example, it may be that an attachment of earnings (AOE) would be a more reliable enforcement method (as the debtor cannot just close the door and tell the AOE court order to go away).
However, if you are gaining entry as part of a possession, do you then have to power to seize assets at the same time, as you would then have gained lawful entry to the property?
David Asker
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Sign Up17:57 PM, 15th October 2014, About 10 years ago
We've had this discussion before Mark and whilst you're technically right regarding entry there is a lot more to it than that.
Our own recent statistics show that we gain entry to over half of all residential addresses. This isn't a 'foot in the door' tactic but a simple method of communicating with the debtor in the right way, explaining to them the benefits of resolving the issues rather than 'we're here to take your stuff'.
But you are right that High Court Enforcement is just one of several options open to a creditor and whilst it will not always be the one that works, from a cost perspective it has the least exposure at just £60 for a Writ and only £75 if we're unsuccessful. Commercially, that make a lot of sense to many, hence the continued use of our services.
And yes, an AoE is another option, albeit a more expensive one.
Robert M
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Sign Up19:09 PM, 15th October 2014, About 10 years ago
Reply to the comment left by "David Carter" at "15/10/2014 - 17:57":
Hi David,
I note that there is another discussion going on about using High Court Sheriffs for evicting tenants without notice, rather than waiting weeks for County Court Bailiffs and the tenant having plenty of notice of the cc bailiff's arrival date. As most tenants in this situation also owe money to the landlord, if you are gaining entry as part of repossessing it for the landlord, can you AT THE SAME TIME also seize the contents of the house (tenant's assets) to force payment of the rent arrears or to sell off to pay towards the rent arrears? (as in that instance you would have gained lawful entry to the house, so could presumably then levy on everything in it?).
If you do have the power to seize tenant assets at the same time as evicting tenants, would this be done on the same Writ (and thus just one fee), or would a second Writ be required?
David Asker
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Sign Up19:22 PM, 15th October 2014, About 10 years ago
Hi Robert,
The answer is technically yes although a complication arose during the introduction of the Taking Control of Goods Regulations in April of this year.
Since then, an HCEO is required to send a Notice of Enforcement to the judgment debtor giving 7 clear days notice when executing a Writ of Control (for money).
Accordingly, if you have a combined judgment for possession and money you can technically evict without notice but can only enforce for money with notice.
What I would say is that most tenants facing eviction do not have goods of value that are worth taking. It must also be remembered that most household goods have limited value at auction and once you consider the costs of removal, auctioneers costs and enforcement fees they often aren't worth taking.
Having said that, in many enforcement actions for money the goods seized are not worth removing and selling but it is the replacement cost that drives the debtor to pay.
And yes to confirm, you can get an order for possession and money at the same time.
One last thing, as mentioned before, it could be worth waiting a while before enforcing the monetary aspect, you have 6 years.
Robert M
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Sign Up19:38 PM, 15th October 2014, About 10 years ago
Reply to the comment left by "David Carter" at "15/10/2014 - 19:22":
So if a landlord got a possession order and a money judgement order, and asked you to enforce both, then you could give 7 days notice on the enforcement of the debt but not mention the eviction, then after 7 days you turn up and evict the tenant and seize any goods worth seizing at the same time? This is all done on one £60 Writ?
If the tenant has nothing of value at that point in time, there would be nothing to stop the landlord applying for a Writ of Control again in the future, or indeed taking an alternative form of enforcement, (for up to 6 years)?
I always find it amazing how many tenants have massive TVs, i-phones, i-pads, laptops, X-boxes, Playstations, etc, and of course they have gone out and bought these and other luxury goods INSTEAD OF paying their rent. Therefore, at the point of eviction, it would seem to me quite reasonable for the HCEO to seize these.
Ray Davison
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Sign Up19:44 PM, 15th October 2014, About 10 years ago
Reply to the comment left by "Robert Mellors" at "04/10/2014 - 18:15":
Robert,
I have been reading this thread with interest and learning much. We do not do room lets or HMO's but I have a couple of questions.
Can you ask the DWP for the £3.65pw deduction for arrears even if they are no longer your tenant? If so do the arrears still need to amount to 8 weeks?
Thinking about your comment re LHA shortfall. Say the LHA on a 1 bed flat was £400 and we wanted to charge rent of £425. If I understand you correctly the DWP would not pay either a TPP or the £3.55 arrears deduction for the additional £25 rent? If so, could we therefore charge £400 rent plus £25 service charge (To cover common areas maintenance such as cleaning, gardening, window cleaning etc) and then have this as a TPP from the DWP. To clarify the question, the tenant would still be responsible for their utility bills as it is a normal one bed flat in a block.
David Asker
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Sign Up20:02 PM, 15th October 2014, About 10 years ago
Reply to the comment left by "Robert Mellors" at "15/10/2014 - 19:38":
Exactly Robert.
The form for either is an N293A which is a combined writ of control and/or possession.
Robert M
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Sign Up21:37 PM, 15th October 2014, About 10 years ago
Reply to the comment left by "Ray Davison" at "15/10/2014 - 19:44":
Hi Ray
Unfortunately the DWP will NOT pay the £3.65 pw Third Party Payment (direct deduction) for a former tenant, only for a current resident. I've had a whole series of correspondence with the DWP on this point, and have not (yet) found a way around it.
There is nothing to stop you setting a rent of £400 and a service charge of £25 but it does not really assist you because the Housing Benefit will still only pay the LHA rate, and the DWP will NOT pay the £25 service charge because it does not relate to gas, electricity, or water, (as you said these are all set up in the resident's own name). However, what it may do is take out the "shortfall" element so that when your tenant has got 8 weeks rent arrears then you can ask for the £3.65 pw TPP, and there is no issue (and thus no objection) in relation to whether the arrears are due to the HB shortfall.
Also, there is nothing to stop you saying in your tenancy agreements, that the first 2 months rent are due in advance. This would mean that if your tenant does not pay rent on the first day of the tenancy, you can immediately request that Housing Benefit is paid direct to you, as the tenant would have 2 months rent arrears, which is the criteria for HB being paid direct to the landlord. This would also mean you can apply for the TPP sooner than you would otherwise have been able to.