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Review of the M&S Bank - Marks and Spencer, Personal loan:

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applied for a loan then within my rights decided I n...

applied for a loan then within my rights decided I no longer needed it. followed the instructions on the T&Cs to settle/cancel it to the letter. followed instructions from their customer service on the phone to return the money even though I was dubious that it didn't sound very 'official'. Paid the full amount back and they took loan repayments for the next two months anyway. Damaged credit score. No apologies or compensation for the loss of interest on my bank balance during this period or any inconvenience it may have caused me. Reviewed on: 9th September 2025

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