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Legal Information

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Company details

'WESLEYAN' is a trading name of the Wesleyan Group of companies

Wesleyan Bank Limited
Wesleyan Bank Limited (Registered in England and Wales No 2839202) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Registered Office: PO Box 3420, Colmore Circus, Birmingham B4 6AE.
Financial Services Register number 165116
Telephone: 0800 358 1122.
Fax: 0121 200 9345.
www.wesleyanbank.co.uk

Please note all telephone calls to Wesleyan Bank may be recorded for training and monitoring purposes.

Wesleyan Bank Limited is covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors - including most individuals and small businesses - are covered by the scheme.

In respect of deposits, an eligible depositor is entitled to claim up to £75,000.

For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £75,000 each (making a total of £150,000). The £75,000 limit relates to the combined amount in all the eligible depositor's accounts with the bank, including their share of any joint account, and not to each seperate account.

For further information about the compensation provided by the FSCS (including the amounts covered and eligibility to claim) please call us on 0800 358 1122, refer to the FSCS website www.FSCS.org.uk or call the FSCS on 0800 678 1100. Please note only compensation related queries should be directed to the FSCS.

Syscap.com
Syscap Limited and Syscap Leasing Limited are subsidiaries of Wesleyan Bank Ltd.

Syscap Limited
Syscap Ltd (Registered in England No. 02471568) is authorised and regulated by the Financial Conduct Authority for consumer credit business (including hire). Registered Office: CI Tower, St Georges Square, New Malden, Surrey, KT3 4TE, 
Interim Financial Services register number 287088  
VAT number 749359581
Telephone number 0808 123 1990
Website: www.syscap.com

Syscap Ltd is an appointed representative of Burnett & Associates which is authorised and regulated by the Financial Conduct Authority.

Syscap Leasing Limited
Syscap leasing Ltd (Registered in England No.02718043) is authorised and regulated by the Financial Conduct Authority for consumer credit business (including hire). Registered Office: CI Tower, St Georges Square, New Malden, Surrey, KT3 4TE, 
Interim Financial Services register number 575484
VAT number 749359581
Telephone number 0808 123 1990
Website: www.syscap.com

 

General information about the regulations of financial services

General information about the regulations of financial services is available from either the Financial Conduct Authority or the Prudential Regulation Authority. The Financial Services Register is a public record of financial services firms, individuals and other bodies, which fall under its regulatory jurisdiction as defined in the Financial Services & Markets Act 2000 (FSMA).

Complaints Procedure

If you would like to comment or complain about any aspect of Wesleyan Bank's business or services, please contact the Banking Team Manager on 0800 358 1122, and we will endeavour to resolve the issue for you. If you are still not satisfied with our response you may wish to take your complaint to the Financial Ombudsman Service. In order to contact the Financial Ombudsman Service, you should write to them at Exchange Tower, London E14 9SR, telephone them on 0800 023 4567 or 0300 123 9123, e-mail them at complaint.info@financial-ombudsman.org.uk or visit their website.

Alternatively you can submit your complaint via the Online Disputes Resolution at www.ec.europa.eu/consumers/odr/ who will forward your complaint onto the Financial Ombudsman Service.

Complaining to the Ombudsman won’t affect your legal rights.

Wesleyan Bank Privacy Policy

How we use your information

We are committed to protecting the privacy of all visitors to this website. Any information you provide and which we store will only be used in the following ways:

  • To give you the service(s) you have requested as efficiently as possible.

  • For research and analysis purposes.

  • To give you information when you visit our website of relevant promotions, offers or information that might be of interest to you.

  • To contact you by telephone, post or email, from time to time, about financial and other products and services offered by the Wesleyan Group and its subsidiary companies whom we feel may be of interest to you.

Your IP address (this is your computers individual identification number for internet connection) is automatically logged by our webserver. This is only used to note your visit to our website. 

If you prefer not to be contacted by telephone, post or email about other products or services, please use the opt-out facility available on any of the contact forms on our website. At any time you can request us to stop sending you marketing material. This can be done by contacting us on 0800 358 1122, or write to: Wesleyan Bank Limited, FREEPOST BM 3420, Birmingham B4 6AE. Remember, however, that opting out will stop us contacting you about any of our products or services that may benefit you.

Wesleyan Bank Limited is part of the Wesleyan Group. The Wesleyan Group is a group of Companies wholly owned by Wesleyan Assurance Society. In order to ensure that we and any other companies you deal with within the Wesleyan Group can provide you with a fully integrated service, we will need to disclose details about you and your accounts to other companies within the Wesleyan Group. We may also need to disclose your information to other service providers or carefully selected third parties for these purposes. If you are a joint applicant the Wesleyan may also disclose your information where necessary to other joint applicant(s). We will use your information to open and administer your account and for other business purposes, including making any inquiries that we consider necessary to confirm your identity when considering your application, operating your account, or making credit decisions. We may make searches against your name at licensed credit reference agencies.

The information you provide will only be disclosed outside the Wesleyan Group and its associated subsidiaries in the following circumstances, for the purpose of fraud prevention or where there is a legal or regulatory obligation to do so, to carefully selected third parties for processing purposes, for example to our agents or subcontractors for operational reasons or to our affinity partners if you have an affinity product, to licensed credit reference agencies as set out below, at your request or with your consent where you have provided your agreement.

All telephone calls to Wesleyan Bank are recorded to offer you additional security, resolve complaints and improve our service standards. Conversations may also be monitored for staff training purposes.

How do we protect your information?

We take appropriate measures to ensure that the information disclosed to us is kept secure, accurate and up to date and kept only for so long as is necessary for the purposes for which it is used.

If you send us an email using your personal email account, remember that it will be "insecure" and could be intercepted. If you send us an "insecure" email, please keep the amount of confidential information you include to a minimum. We will do our best to do likewise when we reply.

We operate a content analysis system on all incoming emails. As a result, your email may be quarantined and/or deleted automatically. We apologise if this causes you any inconvenience. However, we hope that you will appreciate that we need to reduce spam and malicious email that may be received.

The use of your personal information is covered by the registration of Wesleyan Bank under the Data Protection Act 1998. Under the terms of this Act you have the right to obtain from us a copy of all the information we hold about you, upon payment of an appropriate fee. If you see inaccurate data, please let us know so that it can be corrected. Our purposes for holding personal information and a description of the general categories of parties to whom we can disclose it can be found in the Data Protection Register.

By using our website you agree to the collection and processing of the information that you supply. Any changes to our Privacy Policy will be posted on this page so that you are always kept informed of what information we collect and how we use it.

Responsible Lending

Personal Loans are provided by Wesleyan Bank Limited and are regulated by the Consumer Credit Act 1974. Written quotations are available on request from Wesleyan Bank Limited, PO Box 3420, Colmore Circus, Birmingham B4 6AE. Credit facilities are subject to status and not available to anyone under 18 years of age. Wesleyan Bank reserves the right to decline any application.

Wesleyan Bank is a responsible lender. We will check and appraise the financial circumstances of your application carefully and make any credit reference, fraud or other enquiries we consider appropriate.

If you submit an application form you will be consenting to these responsible lending practices. We may need to talk to you about your requirements in more detail. It is important that you do not take on more borrowing than you can afford. If you apply for a loan with us you will be agreeing to these responsible lending practices.

We may use credit reference and fraud prevention agencies to help us make decisions. What we do and how both we, credit reference and fraud prevention agencies will use your information is detailed in the leaflet called A guide to the use of your personal information by Wesleyan Bank and Credit Reference and Fraud Prevention Agencies, please download this document or you can contact us on 0800 358 1122, or write to us at: Wesleyan Bank Limited, FREEPOST BM 3420, Birmingham B4 6AE.

When you apply to us for a credit-based product, the details you provide, the information we already have and information from credit reference agencies are used to assess credit risk using a technique called 'credit scoring'. Various factors in all these details help us to assess the risk. A score is given to each factor and a total credit score obtained. If your score is above a confidential pre-set pass score, the application is likely to succeed.

Credit reference and fraud prevention agencies will maintain a record of our search including whether you have given us false or inaccurate information or we suspect fraud. These enquiries depend on our submitting loan account information on a regular basis to licensed credit reference and fraud prevention agencies to be shared with other lenders and insurers in assessing applications for credit and all types of insurance from you and other members of your household and to prevent fraud and money laundering.

A link between joint applicants and/or any individual identified as your financial partner will be created at credit reference agencies, which will link your financial records. You and anyone else with whom you have a financial link understand that each other's information will be taken into account in all future applications by either or both of you. This linking will continue until one of you successfully files a disassociation at the credit reference agencies.

You have a right of access to your information held by credit reference agencies on payment of a fee. We mainly use Experian Limited. The agency’s address is: Experian Limited, Consumer Help Service, PO Box 8000, Nottingham NG1 5GX, or visit their website at http://www.experian.co.uk.

If you have been refused credit you can get advice from your local Trading Standards Department, Citizens Advice Bureau or Consumer Advice Centre. The Information Commissioner’s Office also produces a useful leaflet entitled ‘Credit Explained', you can obtain a free copy on the Commissioner's website http://www.ico.org.uk/ or by telephoning 01625 545745.

Money laundering

Like other financial organisations, we are legally obliged to collect and record information confirming customer identity and report details of suspicious transactions to the Serious Organised Crime Agency (SOCA).

Email

If you e-mail us, or give us your e-mail address, we will keep a record of it for administrative purposes. We will not use it or pass it to any unauthorised third parties for research and marketing purposes, unless you have provided specific consent for us to use it in this manner.

In order for us to be able to use e-mail for marketing purpose, you must have provided specific consent within the contact details section.

If you send us an e-mail, remember that it will be "insecure" and could be intercepted. If you do send us "insecure" e-mail, please keep the amount of confidential information you include to a minimum. We will do likewise when we reply.

We operate a content analysis system on all incoming e-mails. As a result, your message might be quarantined and/or deleted automatically, we apologise if this causes any inconvenience, however, we hope you can appreciate we need to reduce spam and malicious e-mails that may be received.

Responsibility for customer confidentiality

Each employee is personally responsible for maintaining customer confidentiality. We provide training and education to all our staff to remind them about their obligations. Our policies and procedures that support our Privacy Principles are regularly audited and reviewed.

Wesleyan Bank Online Service

These Terms and Conditions for our computer banking services form part of the Wesleyan Bank General Terms and Conditions and are shown below for your information. They explain our obligations to you and your obligations to us; and apply to all the accounts you have with us and the services we provide in connection with your accounts.

The procedures you must follow for our computer banking services are contained in the user guidance we give you in any form including electronic help texts.

The service is available for use from within the UK only. If you use our computer banking service outside the UK you do so at your own risk, as it may constitute an offence in that country.

The service is for use with personal accounts only and not for business purposes or clubs and unincorporated associations.

We will take reasonable care to ensure the security of and prevent unauthorised access to our computer banking services.

You must ensure your computer and modem comply with the standards and requirements we tell you from time to time; carry out your own virus checks; follow the procedures and instructions in the user guidance that we give you from time to time; do not attempt to change any software provided by us; do not copy or allow any third party to use or copy any software provided by us without our consent; tell us as soon as you can if you become aware of any failure, delay, malfunction or error in the sending or receiving of instructions or any suspected fraud.

When you access the service you must make sure that you are using your own computer or one which you have been given permission to use for the specific purpose of accessing the service, and no-one can see you do so, particularly if your computer is linked to a local area network.

You must always exit the service when leaving your computer unattended and must never let anyone else access the service with your customer security codes.

When you access the service you must ensure all the transactions and information you input are accurate. The records we maintain of any instructions you give us by computer will be final evidence of your instructions and of the time they are given except where there is an obvious mistake. You must not modify, delete or add to online data in any way.

We cannot guarantee the speed of the service or access to the service due to, for example, routine maintenance, or that the service will be free from interruption.

You must contact us immediately on the telephone number we give you if you become aware of an error or potential error in the service, or in any transaction resulting from any use of the service.

You should check your statements and the date and time of the last use of the service on a regular basis.

You agree that, in the event that you have asked us not to send you information about our products and services, we may, nevertheless, advertise our products and services on the website through which you access the service.

Information about Cookies

Cookies that are in use on this website are required to use the Online Banking facility and have been deemed as essential and exempt from the Cookies Directive, as described in the Cookies Guidance v3 issed by the Information Commissioner's Office and are required to use the Online Banking facility.

The purpose for collecting information with our cookies is to enhance your experience on our website(s). We do not use information collected by these cookies for any other purpose. By signing in, your consent to these cookies being used and stored on your machine.

For more information about how we use cookies and your information cookies, please read our policy About Cookies.

'WESLEYAN’ is a trading name of the Wesleyan Group of companies.

Wesleyan Assurance Society and Wesleyan Bank Ltd are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Wesleyan Financial Services Ltd, Wesleyan Unit Trust Managers Ltd, Syscap Ltd, Practice Plan Ltd and DPAS Ltd are authorised and regulated by the Financial Conduct Authority.  Advice about investments, insurance and mortgages is provided by Wesleyan Financial Services Ltd.

Click for more information about the Wesleyan group of companies.

© 2016 Wesleyan Assurance Society