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.
Paul Eastabrook
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Sign Up17:53 PM, 7th November 2013, About 11 years ago
I'm just drafting my response to them now, including the fact that I declined to contact them further until now, following advice from the FOS, on the basis that WB had sent me a "final response" that I took at face value.
I actually find this latest letter from them to be quite insulting, in so far as it is asking for confidential information which is not only not relevant to them, but which also involves a third party whose permission I do not have to divulge to WB, and to do so is likely to infringe data protection principles.
Devon Landlord
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Sign Up20:26 PM, 7th November 2013, About 11 years ago
I would be very interested to hear peoples opinions on how to tackle the WB scandal whilst any legal action is being looked into. Apologies if this has been discussed previously but I have only just joined this site.
I have sent off the template letter to WB and am now awaiting the documents which I will send off along with the £240.
In the meantime, I am faced with a rate rise in December along with the rest of us. I would appreciate members thoughts on the following 3 strategies;
1. Keep the existing DD in place and pay the higher rate from December until this issue is hopefully resolved and then look forward to receiving the overpayment back.
2. Cancel the DD and set up a SO for the current monthly payment. (Will this affect my credit rating as I will then be defaulting on the full amount of the monthly payment).
3. Take the easy route and source an alternative mortgage (The Mortgage Works seems the most attractive BTL at the moment as far as I can see but is still much higher than the current WB rate). If I take this route I guess I will lose any option of redress from WB?
Any comments will be most welcome
Alexander
Dean
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Sign Up21:10 PM, 7th November 2013, About 11 years ago
Hi. Always good to find new visitors to the site. Where did you hear about the site.
Stick with 1. Leave your dd as it is and wait it out.
ian
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Sign Up21:18 PM, 7th November 2013, About 11 years ago
Reply to the comment left by "Alexander Simpkin" at "07/11/2013 - 20:26":
Hi Alexandra
If you go back to page 99 and read Justin Selig comment at 16.11 that covers DD & SO
Click on his name A you can read all his Class Action updates
Devon Landlord
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Sign Up21:25 PM, 7th November 2013, About 11 years ago
Reply to the comment left by "Dean Turner" at "07/11/2013 - 21:10":
Thanks Dean.
I discovered the site a few days ago whilst Googling the WB scandal. I was so surprised by WB's action. This is so brand damaging for them. The banks have a bad enough name as it is.
Alexander
Devon Landlord
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Sign Up21:32 PM, 7th November 2013, About 11 years ago
Reply to the comment left by "ian " at "07/11/2013 - 21:18":
Thanks Ian. very helpful.
Alexander.
Richard Adams
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Sign Up21:50 PM, 7th November 2013, About 11 years ago
Reply to the comment left by "Alexander Simpkin" at "07/11/2013 - 20:26":
Welcome to the forum Alexander. Re what to do come December it seems most of us will pay increased rate and await our hoped for - and likely - victory in court.
Some like me are still considering cancelling DD and continuing to pay by SO at existing rate. I'm still tempted as I am strapped. Danger is like you say your credit rating will be trashed, out of spite mainly. And WB will give one month's notice for repayment in full of mortgage. No big deal as they will need court order etc so this can be stalled.
Mark advises us though, which is much worse - without a court order WB can extract payment directly from your rent payments, ie bypass you. Also should we lose in court your position would be bad as you wouldn't get any money back.
The pros and cons of seeking another lender you set out correctly.
Since our case is strong I would await Counsel's initial opinion due soon and if positive go for option 1/. if you can afford it. Meanwhile join the class action now so you are in on the financial benefits come the victory.
.
Mark Alexander - Founder of Property118
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Sign Up7:53 AM, 8th November 2013, About 11 years ago
Reply to the comment left by "Alexander Simpkin" at "07/11/2013 - 20:26":
Good morning Alexander and welcome to Property118, I'm pleased to have confirmation that my continued efforts to improve the Google SEO of this thread are paying off 🙂
I am concerned that quite a few members may still be considering paying the current rates by standing order with effect from Dec 1st as this will run up arrears. WBBS may seek to obtain a possession order when they the arrears to have grown to an excess of two months payments. If these were not rental properties that would be their most viable course on action and could possibly play into our hands as we would be presented with the opportunity to argue our case in court as to why we were paying a lower amount. In the meantime, WBBS would probably be reporting the arrears to the credit agencies which, as Justin has said, would trsh credit ratings.
HOWEVER - as these are rental properties WBBS have the alternative solution of LPA receivership to consider and are far more likely to use that. Once an LPA receiver is appointed they are empowered to collect rents. We have another thread running where LPA receivers appointed by MX have even sold peoples properties for less than half the mortgage balances even after all arrears have been cleared. The legality of that is also being challenged but it has happened! Please take a look at this discussion, in particular the comments from Diana Stanger and Txa Little explaining their predicaments >>> http://www.property118.com/mortgage-express-or-mortgage-distress/43258/#comment-27445
.
Mark Alexander - Founder of Property118
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Sign Up8:06 AM, 8th November 2013, About 11 years ago
Reply to the comment left by "Alexander Simpkin" at "07/11/2013 - 20:26":
PS - there are several things you can do whilst the legal process grinds on painfully slowly. I'd certainly recommend you to read through this entire thread as there are several innovative ways to increase awareness of the issue and to reach out to more affected landlords being discussed throughout.
We seem to have a core of around 20 particularly active and vocal supporters who have done everything on the To-Do list in the main article and much more, e.g. making contact with local Press and organisations which communicate regularly with landlords in order to recruit their support. Members have managed to persuade IFA's, Letting Agents, Accountants, landlord groups etc. etc. etc. to bring the matter to the attention of their clients/members. The more we get on board, the cheaper it will be for us all.
.
Mark Landlord
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Sign Up11:44 AM, 8th November 2013, About 11 years ago
I have had a follow up letter from the FOS asking me to fill in their forms and send them back re the initial letter we sent to them putting them on notification that a complaint would be coming their way.
Am I right in saying we arent doing this until we get a template from Justin after counsels opinion ?