Wesleyan Bank legal information
'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 (Calls may be recorded to help us provide, monitor and improve our services to you).
Personal Finance Enquiries E-mail: firstname.lastname@example.org
Commercial Finance Enquiries E-mail: email@example.com
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 £85,000.
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 £85,000 each (making a total of £170,000). The £85,000 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 separate 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 Limited and Syscap Leasing Limited are subsidiaries of Wesleyan Bank Ltd.
Syscap Ltd (Registered in England No. 02471568) is authorised and regulated by the Financial Conduct Authority.
Registered Office: CI Tower, St Georges Square, New Malden, Surrey, KT3 4TE.
Financial Services register number: 726391
VAT number 487282114
Telephone number 0808 123 1990
Syscap Leasing Limited
Syscap leasing Ltd (Registered in England No.02718043) is authorised and regulated by the Financial Conduct Authority.
Registered Office: CI Tower, St Georges Square, New Malden, Surrey, KT3 4TE.
Financial Services register number: 726380
VAT number: 487282114
Telephone number 0808 123 1990
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).
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 firstname.lastname@example.org 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.
How we use your information
The security of your personal data is very important to us and we will never sell your data to other companies.
You can read more about how we protect your information and your rights by reading our privacy notice which is available upon request or via our website.
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 we, credit reference and fraud prevention agencies will use your information is detailed in our Privacy Notice. Alternatively, you may contact us on 0800 358 1122, or write to us at: Wesleyan Bank Limited, PO Box 3420, Colmore Circus, 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.
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 or by telephoning 01625 545745.
Like other financial organisations, we are legally obliged to collect and record information confirming customer identity and report details of suspicious transactions to the National Crime Agency (NCA).
If you email us, or give us your email 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 email, remember that it will be "insecure" and could be intercepted. If you do send us "insecure" email, 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 emails. 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 emails 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 issued 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.