mandsbank.com Avis 47

Awful company. Totally useless communications and impossible to get in touch with. Delaying my payments by 24hrs because your tech is useless doesn't mean ive paid late it means your tech is awful. So annoying and very poor.

Tried to contact them about a simple mistake they made on the amounts on an email they sent to me. Their systems are set up for their convenience, not for the customer. You cannot email them (although they will email you). They do not state on their emails to you that the email is no reply and when you reply to the email you do not get a bounce back message - so you don't know if they have received the email. The phone operator told me he could not send an email to another m&S department, asking them to confirm what he had said in an email. Was also told that I would receive no response to complaints - as M&S regarded all of this as 'feedback'.

After applying for a loan with M &S I then saw the awful reviews and was very worried. I needn’t have been. The process was very quick and I was accepted straight away, yes with a slightly higher rate than the comparison site quoted but that was made clear to me before committing. After 24 hours I had a text to say that the agreement was complete and funds would be with me within 3 working days. They did in fact arrive in my account that same day by faster payment. Very happy and could not fault them

Applied for a loan told rate was 5.9 apr went though all the process to be accepted at 7.9 apr as I was buying a car didn’t have time to change so went ahead what a slow process nothing online you have to call for updates no way of viewing how much you owe etc decided to pay off early as changed car and only had the loan for 8 months paid nearly £600 in interest on the total amount when I called for final balance wasn’t told this obviously wanted the most money out of me disgusting avoid at all costs

If only I’d read the review beforehand. Absolutely terrible service. You put time into communicating with them, for them to not even read it and make up what they think your issue is. Lazy and incompetent. The fact we’re expected to trust these people with something as important as money is terrible. I could go on and on about the issues I’ve had but I’m not wasting anymore time on them. I’ll be opening a card elsewhere and transferring the funds. Do better.

M and S bank credit card is in chaos. Have had a reward card for over 10 years and benefited from the travel insurance. This has now been removed and on the App downgraded to a standard card but still being charged. Contacted M and S and told my card was a standard card and the agent left the chat. New agent asked again about what the benefits are now and then told it was still a reward card, but still no details of benefits. Asked again but chat disconnected after waiting for over 30 minutes. They have gone downhill completely and have no idea what they are doing.

Marks and Spencer’s Bank behaving worse than back street loansharks
This is my final letter about this disgusting bank and the way I have been treated by them, I do not know why they are allowed to tout for customers on comparison sites when they offer the deal but by the time the paperwork comes through the APR they offered you to get your interest, In my case 6.9 APR on a loan of £5000 over 4 years and by the time the paperwork came through it was 17.99, I signed my end of the Agreement at 6.9 apr £119 over 4 years and unfortunately did not check the email they sent me properly as I trusted them saying my money would be paid into my account in a couple of days, When I received the paper copy by post I could not believe they had changed the apr to 17.9 and I would be paying £143 monthly over 4 years, Unfortunately I had used the money for the purpose I had borrowed it, When you send them a review you get the reply saying if your not happy contact them and they will see what they can do, In my case I sent a Recorded next day delivery letter at a cost of £10.00 about 5 weeks ago and as of today 17/03/26 have not had a reply, I am 72 y
ears old on a tight budget and this extra £24 payment has upset everything, I will try to pay this extra money but if things get too tight I will not think twice about just not paying them anything
Danny McAllister

Disgrace of a company.

Request a settlement letter, 2 weeks later still not arrived. Phoned them up and it's still being dealt with by the relevent team... Wtf! Because a payment was due in three weeks they were waiting. A payment is always due when you pay monthly! Held up a mortgage application because they are beyond incompetent. I'm absolutely fuming.

Wanted to change the limit on a credit card.

I called them and the automatic voice told me to use their electronic service. I opened their app and the chat feature told me I can't increase the limit unless I confirm my personal details (which are correct) and gives me a phone number, or says I can use their website. Their website doesn't work. I call back and they make me go through security, don't confirm my details, and send me an email telling me to use their website. The instructions are wrong. The website still doesn't work.

Mildly impressed that neither their app, website, nor their phone centre can handle a simple request.

I think they are just a branch of HSBC which is heavily involved in money laundering, so their retail banking is a front really. Hence the service.

Complaint regarding 0% credit card. Tried to pay for a holiday on Expedia (which must be a pretty common practice here in the UK) failed payment 4 times despite success with authorisation, and then worked 1st time with my Halifax Clarity card. M&S blamed Expedia, but I’m not convinced. Especially as both cards are MasterCard. Either way, they were not willing to put into writing that I could do a balance transfer from my Clarity card onto the M&S without incurring the dreaded fee ahead of actually doing it, which made me worry. So all in all, not a great experience. I effectively have a card which I specifically got to spread out the cost of 2 holidays (which can’t be that niche!) and failed at the first hurdle. The app is also pretty slow & limited. I may be being fussy here, but should it really be that difficult to pay for a holiday?!?! Never had trouble with Expedia in any regard before now, so I’m reticent to place the blame with them.

I applied to M&S Bank over two weeks ago (around 17 days) and have still not received any acknowledgement of my application. I have had to call every three days just to chase for an update, as I urgently need the loan for a car.
Despite multiple follow‑ups, I have received no meaningful update, and I am now considering cancelling the application altogether. The level of service has been extremely poor—easily the worst I have experienced with any bank.
This has been very disappointing, and based on this experience, I would not recommend M&S Bank to anyone. I strongly advise others to stay away.

I very rarely write reviews. But after applying for a loan and hearing NOTHING back, not even an acknowledgment email I’d advise everyone else to stay clear

Be aware they do 2 hard search which impact your credit score and you don't hear anything from them

Applied for a personal loan to switch from my current provider due to the promise of a much lower (5.7%) APR. Nine days later I still haven't had a loan agreement through but when I called to chase it up the customer services advisor was able to tell me that the approved rate is actually 6.9%. When I asked why as a high earner with an excellent credit score I wasn't given the advertised rate they were unable to answer. Despite the fact that 6.9% is marginally lower than my current provider I won't be switching because my current provider (Nationwide Bank) makes it incredibly easy to manage my loan. I can overpay immediately from my current account & the balance updates the next working day. From reading other reviews the small financial saving just isn't worth the additional hassle of having to deal with M&S.

This is far east owned loan company that has intrusive credit check and not really sure what they do with data. Avoid like a plague

Had a mands £ 10k loan taken under a scammer (as well as santander 10k and monzo 15k). All totally unaffordable on nurse's pension. After a year's communication had mands completely resolved. During that terrible time, I was automatically put thru to compassionate help staff who had transcripts of all my calls detailing ensuing mental health issues and life changing difficulties. Their conduct and support was exemplary. Can't say the same for other loan banks

Don't bother wasting your time with M&S Bank. Applied for a loan at 5.8% for a Range Rover that I was supposed to collect tomorrow. I chased them all week and was told different stories each time. The paperwork finally arrived by email only to have 10.9% on it. M&S Bank have lied to me, messed me around, misled and misrepresented their APR. Thanks to M&S Bank I will not be collecting my new car tomorrow and will not be having and loan with them as I cancelled it. Thanks to Tesco Bank I will be having my Range Rover the early part of next week with a 5.8% loan as they advertised.

Worst experience ever. I was treated terribly by customer service. They didn’t even care that I have a disability with cancer. I paid of loan as they made me so uncomfortable. Only company to treat me like this.I cleared off my loan as I worried so much about how rude they were to me. Not acceptable at all. Whenever I asked any questions they told me that I should take the matter further with a different company.
This has made me very unwell and I’m a recovering cancer patient .

Dreadful.
Cancelled a payment made to a regular supplier to my home address.
No apologies, just told it was the fault of the supplier and now I could order again anyway.
Talked to like I was a naughty child.

Absolutely dire. The app and the website are like something from the early days of the internet. So basic, and glitchy its untrue. The communications from M&S are sketchy, and the 'Help' bot is about as much use as a chocolate teapot. So many hurdles to jump just to set up something which should be way more simple. They dont even provide the info you need to do it. Seriously considering ditching them after just 3 days.