Applied for a £10k loan at 2.8%. Received email confirming acceptance and would receive agreement in 3 working days. Called call centre as wanted to ensure funds were available for me to purchase the new car and was advised to go into a branch and they could print the forms for me to sign. The call centre advised that they were unable to email me the forms form me to sign as they weren't up to that technologhy yet... really in 2018?? Anyway, went to branch gave them the reference nimber but the woman insisted in going through the whole application again and then deceided to congratulate me on getting the loan at 5.8%!!! I advised that this was not what I had applied for, it was for the 2.8 % to which she replied that it was 5.8 or nothing. I politely pointed out that their website an application process was a load of crap an that they should confirm in the email confirmation when you are accepted that it isnt for the rate that you have applied for. An hour an half of my like I wont get back! Went home and logged onto my lloyds bank account, apploed for a loan and within 10 minutes it was all done and the money in my bank. Moral of the story is, for the sales of saving a few pounx on a monthly payment dont bother with M&s
Reviewed on: 23rd April 2018
