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.
Neil Patterson
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up9:41 AM, 20th March 2014, About 11 years ago
Reply to the comment left by "Chris Green" at "20/03/2014 - 09:29":
Hi Chris,
Mark is on it 🙂
Although he is away now in Malta for the expat seminar (lucky thing) until Monday night.
I get to hold the fort and Puppy sit LOL
Mark Alexander - Founder of Property118
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up9:44 AM, 20th March 2014, About 11 years ago
TCF is an abbreviation for Treating Customers Fairly. It is one of the guiding principles of the FCA remit, however, by the FCA's own admission it does NOT apply to buy to let mortgage borrowers.
PR will not win this fight.
This is no different to trying to beat the West Brom or the Bank of Ireland into submission over their tracker rate hikes with negative PR. Mortgage lenders are now hardened to it.
MP's are unlikely to back a campaign against UKAR due to treasury involvement, regardless of political persuasion.
The ONLY logical way for borrowers to stand up to MX is to enforce their legal rights with the professional help of solicitors and barristers, hence the arrangement I released in the early hours of this morning.
Talk is cheap folks, action is what's required.
Cuddle up to MX as much as you can Vanessa but be under no illusion that they are highly likely to perceive you as a PR pawn and nothing more. Please carry on doing what you are doing though because raising awareness of the issues and the potential solutions is very important.
.
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up11:47 AM, 20th March 2014, About 11 years ago
Mark
Thanks for your input on this and other threads. We all need to spread the word in whatever way we can.
Vanessa
I see that you have taken up the cudgel on property tribes and are acting as a conduit.
Well done to you both and thank you too!
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up12:26 PM, 20th March 2014, About 11 years ago
Mark,
Please do not patronise me (again). I am not "cuddling up" to MX!
I am simply adhering to the Terms and Conditions of your very own site, the same T & C's that PT advocates.
•The “Blog” and “Property News” users will abide by the following rules and regulations:
1.You will not post any comments or material on the “Blog” or “Property News” that:
d.contains defamatory, unfounded or unproved allegations against a person, company or organisation
You may be interested to know that the Daily Mail deleted their story about MX landlord Brian Smart.
Chris Novice Shark Bait
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up13:13 PM, 20th March 2014, About 11 years ago
So Do we all agree MX/ACAR are posing a significant threat to landlord's survival? I can bare testimony to that.
How do we best protect ourselves?
I call for alternative factions to forget their egos and unite in a common purpose.
Mark has offered a contingency plan, a valuable life line. Vanessa has provided valuable information in the past which has laid dormant for too long with those that know and those that don't because nobody has a plan of action. I suggest we need one soon.
Today I have sent my fees for MS's representation in the WB case. I feel as strongly about this but am currently depleted of funds and not wishing to fall into arreas with MX. My pseudonym tells you I have been had already by rogue vendors and organisations and I simply do not deserve this treatment by a lender who must wake up and realise that it had a hand in the inception of its own toxic debts.
I have ATE insurance and am about to sue acting solicitors 7 years on. How many battles on how many fronts are we prepared to fight before giving in and failing to expose these banking scandals for what they really are ? Could other ME mortgage holders comment please?
Max Cave
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up13:13 PM, 20th March 2014, About 11 years ago
@Chris Green - thanks for your kind comments about my situation. I had no choice but to blame myself in order to stop the resentment towards what UKAR had done to me. I have legitimate mortgages with them which I took out for the same reasons as other landlords, i.e. for capital growth and income. After they perceived a breach I ended up with them taking my rental gains and my children's University funds and various ISA nest eggs to pay them! I must stress that I have 3 other portfolio lenders who also paid contested service charges for me and they had no issues negotiating a settlement without the need to instruct LPA receivers. In fact some of these other lenders agreed on a 20 yr term repayment on any service charges paid because (using their own words) it was the height of the recession and I was not the only portfolio landlord contesting unfair charges whilst having non paying tenants.
@ Mark (the opening post) - the reason why I would take a very cautious approach with UKAR/ MEx is that the logical approach to organising valuations would be to contact you, the landlord first. They must know that they lent to a landlord on a B2L portfolio. What kind of 'mickey mouse' surveyor would think it was easier to organise valuation appointments by writing to unsuspecting tenants? Not to mention that they were instructed by your very own lender, in the first place! If anyone of us here on this thread were asked to book a block valuation we would instantly know the best person to contact would be the landlord, who might then refer us to his/her letting agent, if applicable! These are simple tactics to rattle the cage a little bit and their best defence is the usual, 'I was unaware or it was an admin error'!
http://www.consumeractiongroup.co.uk/forum/showthread.php?230253-Mortgage-Express-appoint-LPA-Recievers-Walker-Singleton-to-scare-tenants-off!/page79
Just google - UKAR Mortgage Express unfair treatment and you will see plenty of examples of unfair treatments and tactics. To date, no one could stand up to the legal costs of fighting them! (to my knowledge)
I still think my breach was MEx's perception but my lawyer advised me that whilst I paid him to fight this accusation, LPA receivers would takeover my portfolio. The costs involved in getting an injunction against LPA receivership are sizeable and it would take more than the 30 days MEx gave to even get a court date! So I had the choices of-
1) Pay loads and potentially get an injunction to regain a portfolio that might not even be intact and with definitely a worse cash flow. Don't forget this is just an injunction against LPA receivership and I still had to fight to prove that the breach did not happen.
2) Take it on the chin because this is how business is conducted and that it's nothing personal!!!
I chose the latter, which proved to be correct because I am still around whilst my 2 former business partners who chose the other path, ended up losing everything.
TBH, I don't have time for any UKAR personnel anymore. I have copies of letters which I would be more than happy to superimpose any of your names on it and send it all to you over a period of days, so you can live for a few weeks from my eyes! I am sure after that, you would lose all sympathy and gullibility of listening to government sponsored bullying!
If UKAR are so adamant that they are the good 'guys', then ask them for references of happy UKAR account holders!!!!
Max Cave
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up13:22 PM, 20th March 2014, About 11 years ago
Reply to the comment left by "Chris Green" at "19/03/2014 - 19:51":
Hi Chris, I was not in arrears! MEx paid for contested service charges for some of my properties.
Mark Alexander - Founder of Property118
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up13:32 PM, 20th March 2014, About 11 years ago
Reply to the comment left by "Chris Novice Shark Bait" at "20/03/2014 - 13:13":
Hi Chris
I'm not sure what more we can do.
MX have been picking on the vulnerable but I suspect they are likely to meet their match when they start attacking larger portfolio landlords, particularly those in and around London who have experienced significant capital growth in their properties and have the financial clout to fight back.
Time will tell, the strategies and systems to fight back are now in place.
Many landlords will continue to bury their heads in the sand until it is too late and their woeful tales of ruin will continue to be told on forums and in the filler pages of the traditional media. It is unlikely that you will ever hear of those who succeed in their fights using professional advisers as most deals will be settled out of Court and be tied up with confidentiality agreements.
.
Chris Novice Shark Bait
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up15:07 PM, 20th March 2014, About 11 years ago
@ Mark,
Thanks for your reply. " we can do?"Who is the collective we to whom you refer? I am presuming you mean prop. 118. My message is that the victims do more themselves collectively to fight a double injustice (poor lending, victimised recall of bad debt) . What numbers are we dealing with? Does anyone know? I suggest this thread which has momentum carries on and all affected landlords sign up and give voice to this issue which has been closeted for far too long by confiidentiality clauses. M.E. in my view are not blameless and should be held to account regardless of the governments current involvement and the tax payers intersests. Neither of these circumstances can rewrite history but seem to be a veiled attempt to do just so. This is simply injust. The English law does not only apply to London. What a convoluted tangled web of mystery to excuse incidental collateral damage to small time landlords pinning their hopes on diverted pension funds. Now the government having woken up to entrepreneurial willingness to better pension provisions alters pension rules, possibly with short term tax revenue in their primary focus. It will be interesting to see if this leads to more property investment but there is no joined up thinking in our reactionary governments of today.
In practice I can see how, from what you say, you see how it is working but this is initself inherently unhealthy if you seem to suggest it is just the way of life. Is that not what the government spends a lot of tax payers money trying to second guess?
As landlords we are in this together. The government tells us we are all in this together. Is any of this true? Obviously not. But what if it came even close to true as far as landlords were concerned? Would that not benefit a robust PRS and serve tenants better and further relief critical housing issues?
The government repeatedly fails to build enough homes. Recycling ours at rip off prices to bail out the banks should not, in my opinion be an option to which we acquiesce.
Chris.
Mark Grace
Become a Member
If you login or become a member you can view this members profile, comments, posts and send them messages!
Sign Up16:09 PM, 20th March 2014, About 11 years ago
Dear All,
Thank you for all the useful comments. I will tread carfully, but it appears I have no choice but to let UKARS inspect and value the properties. Interestingly - the gentleman I spoke to commented that they will be inspecting everyones portofolio over the next couple of years, because of Fraud cases experienced in other former lenders now part of UKARS. He gave examples of houses now run as hotels, and fire damaged buildings.
He also appologized for the oversite of not contacting me, and fwd'd the letter by email.
In short I am cinical, and think they are looking for any breach of contract to call in the loans, as is their remit.
Just to be clear:
I have no arrears and have never had any. I have had no contact with UKARS before.
The properties are long term tenanted on AST's, now Periodic.
I will keep you all up to date.