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

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Shockingly poor service - 2 weeks & still no funds

I wish I’d seen these reviews before applying - this whole experience has made buying our car way more stressful than it needed to be… I applied online 31-AUG. No confirmation email or text to say it was received. I called the helpdesk & they advised it “might” not have worked so I submit again - still no confirmation. 2 days later I get an acknowledgement email to sign the agreement (I did get the advertised rate) and another one advising the “duplicate” has been referred to underwriting. I call the helpdesk again to be told they’ll pick up the duplicate at underwriting stage. Over the next week I called & was put on hold multiple times, given estimated dates / timescales that all passed without funds being received - the staff I spoke too were nice but clearly had no real visibility of when things would get resolved. We are now on 13-SEP and still no funds received - 2 weeks after my application. Unless you can wait around for 2-3 weeks I would not recommend M&S Loans at all. Reviewed on: 13th September 2022

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