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

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Extremely slow and poor customer service

First referred my application to an underwriter who will get back to me within 5 working days. After the underwriter request more information, it takes another 5 working days for the underwriter to review the documents. Then it's approved for an agreement, it takes another 3 working days following further checks for M&S to counter-sign it. It's already checked by the underwriter why do they need to check it again after giving you the agreement, and why don't they countersign it in the first place? After M&S have signed the document, it takes another 5 working days for the funds to be transferred! In total 18 days to get your funds. I've placed an order and reservation for a car, now it's likely to be gone. Not sure if I can get my reservation back, and if I cancel the application and apply elsewhere I don't know if it would affect my credit score. Reviewed on: 29th September 2022

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