Marksandspencermoney 

I have spent over an hour trying to get hold of someone via both the contact number on my mums statement and the number provided to notify the bank of a bereavement unsuccessfully.
Incredibly insensitive and unhelpful.
Terrible company

initial service for an error I made was slow and poorly handled by the overseas customer service line ( Philippines ? ) but was eventually put through to a complaints dept which appears to be in the UK .

Sally Appollonio sorted the issue within an hour efficiently and with consideration. Her manner was reassuring and informative. Im stating her name in this review in the hope that someone at M+S bank looks and these and will pass on many thanks as it was impossible to call her back to thank her in person.

Absolutely useless!! This company are so bad you couldn't make it up.
Having faced multiple issues with their so called chat service I find myself so frustrated that I've closed my account.
Heavy interest rates are harsh please don't bother with this lot.

Absolutely appalling company and customer service. I've been scammed on my credit card for over £900 and they've done nothing about it. Cannot log into the app. The customer service team are a joke when you finally get to speak to someone. Save yourself a load of time and stress and don't go anywhere near M&S banking!!

I used M and S credit card chat with a query on my account. Susie answered quickly and resolved the issue immediately.

I have contacted the debucts department numerous times and chat. Very nice people. They have past query on about lost money that has come from overseas. But nobody has contacted me that is the frustrating part? You cannot contact or speak to whom is dealing with this problem. Do not know when this will be resolved. Seems M&S is very fragmented at the moment.

After filling out the online form, with email, phone and address, M&S Bank decided that although I put my current email address, they would send documents to an old email address as they had it online. After chasing, got email address changed and documents would be sent within 48 hrs, that 7 days ago. Rang 3 three more times, each time told it would be within 48 hrs. Last call was cut off mid call. Rang again today and told the documents would be sent within 5 days, to an email, 5 days!

I cannot believe M&S credit card can even be the same company of the reputable high street chain. I done a balance transfer to take advantage of interest free offer on an M&S card whilst I paid off some debt. It's the biggest mistake I ever made. I have missed a DD payment due to their incapability to set up a DD for the correct date at the start. This now impacts my credit score. The person on the other end of the phone don't sound like they have a clue. I have also received calls from M&S to discuss my account requesting my personal details (they actually sound like scammers). I don't owe an awful lot but what a lot of stress it's been and now impacting my credit score. I have read this has happened to lots of people that have taken out an M&S card. DO NOT USE M&S CREDIT CARD service. I feel so stressed since one of their staff tells me I must urgently give them my personal details over the phone "because it's urgent" like my life is in danger! Honestly #Watchdog @watchdog look at this organisation terrorising people after coaxig them in. I do think the financial ombudsman would have a lot to stay about their general practices.

I researched loans and M and S came up with a good rate. I have excellent credit so presumed I would be accepted quickly. Over a week later with no communication from I rang today for an update. I was advised that I would need to provide ID as well as a professional endorsement and then I was told the rate was changing to 8 .4 %. I was appalled, i decided to cancel the application. I then applied through my bank and had the loan agreed immediately on a 6.4% rate. Very poor show from M and S, no communication and in poor taste to just change the Apr rate. Will let everyone know not to use this company.

I am just in process cancelling my M&S credit card due to on line issues and being unable to log in despite phoning etc I don’t have time to fail at every which way. It was all fine until I stopped getting paper statements ( my mistake ) I have no problem with the other credit cards I use ! It’s so secure M&S that its customers can’t reach it ! You see you have to be logged in to use their chat service but being logged in is the issue . Do not use . Am a bit surprised to see it’s hsbc not sure what’s gone wrong I rang the call centre which must be abroad very useless too

Believe everything you read they are awful. Applied for loan, almost 2 weeks ago, zero communication apart from requesting further information from me a week ago, which I supplied and had no response. Called to chase up and I'm left on hold for ages and then cut off. Had to call back again this time was told I need to provide further information again. It's an absolute farce. How a reputable name like m&s can put there name to whatever cowboys are running this is a joke. Which I had gone elsewhere but I'm now worried about affecting my credit rating by applying elsewhere. DO NOT USE!!!!!!!

Awful. Contacted them in June to get a quote to pay off loan. Paid it off. They contact me yesterday to say still owe 1.6k. No way can this be true. Unclear call handler says they will now close account. No online service available. Appalling. Avoid completely

How can a company like M&S allow a situation where 93% of reviews are 1* continue , have they no shame ?
Customer service is non existent , they need to reloate it to the UK now .

Applied for a loan what a ridiculous process. Getting my morgage was easier than this. Wanting verified documents and even after doing that they still want more and more or it re doing as the wording wasn't up to there standards. Rang on multiple occasions decided not to bother within 3 hours I had an acceptance and money in my account within 3 days. Don't waste your time

If I could give 0 I would, save yourself a lot of pain and heartache and DO NOT use, they know absolutely nothing about finances and should stick to food and clothing 😡 lost £4,600 thanks to them even though I called them on the day the payment was taken, girl online from M&S bank told me not to worry they would get money back, heard absolutely nothing for weeks, then told I need to wait 60 days and to get in touch with retailer ask them for proof which the retailer (last minute.com) didn’t provide ! Sent them everything I had 5 times! Now saying they don’t have enough proof🙈 £4,600 on my card isn’t enough? Plus absolutely NO security checks were made when this went out my account so could have been anyone, only card I know that doesn’t message text or email a code when a large amount of money is used on the card . Paid them back as kept charging me for late payments after asking me to wait 60days a disgrace to call themselves a bank! Will never use again , absolutely disgusting

M&s bank contacted me and told me my account was in credit and they wanted to shut my account due to inactivity, they offered to pay the balance into my current account which they did and noted that the balance was now zero. Three times since then they have sent me arrears notices for 0.33pence and three times I have spoken to an advisor who assures me my account is zero but I still keep getting arrears notices.DO NOT USE M&S bank they are useless.

Filled in eligibly checker which suggested i apply for a credit card, put in exactly same information to find rejected. Save yourself a negative hard search on your file. AVOID

Please stay well away from applying for their credit card. I have just recieved a negative mark on my credit file due to a missed direct debit which when i noticed i paid the outstanding amount straight away within a couple if weeks . My file has been clean for over 10 years with a good credit rating now i have gone to the fair banding and will affect any future mortgage applications.i tried to get it resolved with M&S and they have told me if i want i can escalate the case to the financial ombudsman, which i will.

Applied for a card, took several days to be told my application had been successful. Not bad I thought. Told would receive an email with T&C's. Didn't receive an email only to be told it takes up to 48 hrs to be sent. WHY?
After 3 days still not received. Told that emails are batched up and sent.WHY?
NOT HAPPY

UPDATE: one month after the incident M&S have still resolved absolutely nothing. They say they are "investigating" this and I cannot even close the account for at least 60 days because they are contacting the retailer?!? Such a massive difference in how they are treating customers and handling a stolen card charges situation compared to other banks.

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After having the worst experience of my life with this "bank" I see now why their reviews are so low. Which is a massive shame because until now I loved M&S clothes and food shop. But their money/banking side is absolutely criminal and now making me question all their practices.

My bag was stolen with my phone and 5 bank cards inside. I managed to cancel most of my bank cards within 2 hours with one phone call. It's a horrifying experience but most of the banks were very helpful and understanding. I guess they unfortunately deal a lot with these cases nowadays.

But some banks were more efficient than others. First Direct (HSBCS) was the best and M&S was the absolute worst. I have had to call them twice already and they refuse to remove the charges made on my card by the thieves - all other banks removed them easily, as you do, of course. M&S is now suggesting I contact the retailer and sort it myself?! Which is not the correct procedure. So now after already being traumatized by the theft I have to handle this M&S mess and report them because of their incompetent employees that have no clue what they're doing.
Like Citizens Advice Bureau states "If you claim the use of the card was not authorised by you, it is for your bank to prove otherwise. The bank may be able to cancel the payment or put the money back into your account. If your card provider will not give you your money back, report them to Trading Standards."
M&S bank needs to be closed down for violating basic standards. And as soon as I get my stolen money refunded I will be cancelling my credit card with them. Appalling customer service.