Marksandspencermoney 

Worst credit card I have ever had. It takes a day for you to be able to see new transactions, so you can’t see how near your credit limit you are, then they block any new transactions even guaranteeing hotel bookings that are not due for months. I am closing this as quickly as possible.

Had my credit card for two years, interest free and paid every month.

Phoned to close account October, paid off 4 November. They paid klarna in December, excuses anot have to pay automated payments, money spinner obviously.

Didn't receive a statement until January through the post with default charges. Contacted them, no empathy at all.

Well done for being so unkind. It isn't like other services can manage their customer payments and you can't reject a payment.

Didn't want to marry up the dots, haven't logged on, no payment received, why ever not, no well just apply charges. What if I'd moved? Would they continue charging and also paying automated payments.

AVOID ! Do not get a loan or credit card with M&S. worst service I have ever recieved since going on maternity leave . Told they had sent letters when they hadn’t . Was on a reduced payment due to maternity pay yet they push account into default anyway . Ruined credit rating which I’m now having to go through the FCA and ombudsmen to get rectified. Avoid at all costs !!

Applied almost a month ago for loan, no confirmation and still no response but my credit score has been knocked down. Won’t be going with them anyway based on how bad the reviews are. Lesson learned check the reviews before you apply for a loan. Terrible service

Ordered Euros online which was easy. However when I went yo coloect from M&S in King Street, Hammersmith, London I saw 5 different staff and the experience was very frustrating. The first staff member couldn't apprehend spoken English. The other staff couldn't sign on to their system to release the money. It took 30 minutes and was very disappointing.

I've been recieving harrassing letters by M and S for a a few weeks ( 3 letters in a single day at one point). All about minor late payments caused due to me changing bank accounts and the DD not being set up in time.
I spoke to customer services about this who were very unhelpful and were surprisingly rude. They immediatly reduced my credit limit before even asking what caused the issue in the first place. I would have throught the M and S would look after what few customers they have left rather than push them away.

I have got a loan withMarks and Spencer and have been trying to call them today to pay back my loan. The customer service line is unreal extremely bad lines which seems to be overseas keep getting cut off and is really hard to understand what they say because of their cheap digital line. This is so unacceptable and I would not recommend to get a loan from Marks & Spencer, as you cannot contact the Customer Service should you have any enquiries?

Contacted for help over a week ago and they said some one would phone me back in 5 working days to help me. Complete waste of time. Terrible customer service.

No option to freeze cards. No option to link bank accounts. A huge form just to pay a balance. No joined up thinking.Complete nightmare to get rewards going on my phone, previously they sent them in the post like it's the 70s

Went online to get quote for car insurance. Got as far as what month I got my driving licence.

42 years after I got my licence, can't remember what month. My wife can work out what year, but can't remember month either. Gone with Saga.

If M&S are that pedantic, M&S not for me.....

Incomprehensible call centre operative. Eventually he suggested I register for online banking and my request could be dealt with then. I have tried four times to register, but their systems are down. I will be cancelling my credit card - in his day and age they are far and away the worst organisation in any sector that I have had dealings with.

I have called over FOUR times to get my loan released to me. Every time I do they tell me the account I’m using is incorrect. First time because it was an online bank; fair enough I open a bricks and mortar account. Second time, account isn’t recognised - give a savings account and they say it’s fine even though they said savings accounts aren’t acceptable the last call I made. No sign of paperwork. Call AGAIN, account not recognised (new account), then call AGAIN, account not recognised. Absolutely ridiculous. Don’t waste your time.

Absolute rude and rubbish financial institution. Kept on the phone for ages for absolute waste of time and a phone call. So many better companies to go with which is what ill do

For god's sake do not entertain this lot for your pet insurance. They have doubled my monthly premium at review for my elderly cat. The net result is that I cannot afford the £137 per month they are asking and I have had to cancel the insurance on the grounds of affordability.
My complaint has been declined on the grounds that such immoral price increases are perfectly fair and reasonable. Moreover such practices are in the view of Marks and Spencer and Royal and Sun Alliance who underwrite these policies treating customers not to mention animals fairly.
Absolutely disgusting.

Very very poor customer service, loan was approved initially but they kept asking me to call back and when I did they gave misleading information just to get off the call. They could not even record my bank details correctly. I had to call from landline only. For three weeks now they can’t resolve simple case

An absolute appalling setup for managing accounts and loans. I will never use this company again. To do the simplest of task requires multiple phone calls and emails and to settle loan accounts is a 1970s way of doing so.

Avoid!

My credit score is 993, I earn 42'000 a year, have been in my job for over 1.5 years, have stayed at my property for 5 years, have a mortgage that's only £950, my wife's income is over £20'000, we have £8'000 in another account which we don't want to touch, no dependants, hardly any outgoings apart from the usual. Applied for a loan of only £1'500 over a year, had to jump through hoops waited weeks, finally told I couldn't afford it by M&S.

I got a loan from elsewhere over a year for £2'000, took 5min to apply, and within 15min it was in my account. What an idiotic company LOL

So I got a new phone and needed to reset my banking apps. This was so easy with 4 other banks but impossible with M&S! You just go round in circles! The instructions to reset don't work because the screens you need are not visible or accessible. I finally phoned them and ended up speaking to someone on the other side of the world who was very difficult to understand.

Awful awful awful awful. Regardless of their offers just get a credit card with someone else.

Thought my credit card had been hacked. Spent 1hour 50 minutes on the chat trying to get it cancelled, a new one issued and check that there had been no unknown transactions. In the time I spent waiting around on the chat somebody could have spent a significant amount, fortunately it had not been hacked. Rang to complain the following day but having waited 15minutes to be put through to the complaints dept was told they were experiencing a high level of calls. Not surprising really!!