I received an email stating i would get a 6% apr rate if i applied for a M&S loan. Went through the whole process and... I received an email stating i would get a 6% apr rate if i applied for a M&S loan. Went through the whole process and got accepted. Not at any point did it come up on screen saying that it had increased which increases the monthly payment. Got the email for the signing of documents at work and stupidly signed away without checking. When i got home and checked they had increased the apr to 10%. What a bunch of underhanded cretins. It only meant i would pay back nearly twice the interest but also increased the monthly payment by £40 a month. How do these people get away with this??! This has now put a hard credit check on my record (which i had nearly a top score for) so i cant apply for another loan for 6 months. Annoyed isn't the word! Use this misleading company at your peril. Read more Read less

M&S rejected two claims - one for flooring damage and one for structural damage. The flooring damage was because the flooring was because it was... M&S rejected two claims - one for flooring damage and one for structural damage. The flooring damage was because the flooring was because it was put in by previous owners and 'too old' and the structural damage was because a lintel damage is 'wear and tear'. I thought having an expensive all signing all dancing policy protected us from bad insurers but apparantely not. Awful. Read more Read less

MS Bank offered me a credit card with a decent ammount of credit. I only used 1/3 of that credit for one time and start... MS Bank offered me a credit card with a decent ammount of credit. I only used 1/3 of that credit for one time and start making my monthly repayments. After 5 months, I accidentanly cancelled my direct debit because i was willing to increase the monthly payment and unfortunately for the 1st ever not only with MS Bank but with others credit cards, i forgot to make my payment. Without them not even sending a message or a phone call to find out what happened, they sent a letter asking for the minimum ammount and the interest and at once before even me realizing what happened and ofcorse repay them (which i had every intention to do at once) they even reduced my credit in half! I have a good credit score, money savings and all the payments of my life in perfect order. I was really disatisfied with such practices by MS Bank. A phone call the next day of me missing a single payment after many months would have sold the "problem" in secs. They 've cut my credit in half, without me even have a chance to explain and apologise for my negligence. Read more Read less

very satisfied with everything and looking foward

I recently fell foul of the dreaded terms and conditions. I bought some travel money online and used Applepay (on which my M&S card is... I recently fell foul of the dreaded terms and conditions. I bought some travel money online and used Applepay (on which my M&S card is the most used) so automatically used it to pay for the transaction. Not only did they charge me over £15 handling fee but they added interest on as well. I have been a fan of M&S but no longer. Read more Read less

Impossible to make balance transfers to this new card via the app or online. Tried loads of times with unspecified errors. Had to phone them... Impossible to make balance transfers to this new card via the app or online. Tried loads of times with unspecified errors. Had to phone them up in the end. Didn't really give satisfactory explanation on phone as to why there were issues but they were aware of it going on for some time. Read more Read less

A very caring company. If there is a problem it's possible to speak directly to a person instead of going online.In the past I have... A very caring company. If there is a problem it's possible to speak directly to a person instead of going online.In the past I have had reason to contact customer services and have always found them to be very helpful..I also value the treats and the points that are given throughout the year. All in all I would certainly recommend Marks and Spencer Bank. Read more Read less

reliable and straightforward, very detailed isas with backgrounds on specific stocks or bonds included

Best rate for Euros click and collect in store. Unfortunately €200 of the €500 are €50 notes, which from past experience are sometimes refused and... Best rate for Euros click and collect in store. Unfortunately €200 of the €500 are €50 notes, which from past experience are sometimes refused and often looked on with suspicion. Won't be using M&S online again. Read more Read less