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Review of the M&S Bank - Marks and Spencer, Credit Card:

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Very poor customer service - almost to the point of not telling the whole story to customers

Opened an M& S Credit card account recently. I asked to pay full balance every month by Direct Debit but forms did not arrive so chased them up and was told I could arrange it over the phone. Did so and was told my payment would be made by due date, even though I queried it. Payment did not come off my bank even though the direct debit has been set up. When I telephoned I asked to pay the full amount by card so as not to incur fees but was told that I would incur fees EVEN THOUGH THIS IS THEIR FAULT. Customer service representative was asked twice if the payment could be taken on time and reassured me that it could - now she says it will take 10 working days but never told me that in the first place. I will be changing account suppliers ASAP as I do not like being lied to. If she knew it took 10 days why did she not tell me that when I originally set up the direct debit then I could have made a payment online to cover myself. I have an otherwise unblemished credit record and this has spoiled it. It has also spoiled my belief in M & S and I shall not shop there again. Reviewed on: 25th November 2017

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