mandsbank.com Avaliações 

I would give it no stars if I could. Applied for a loan as the best rate being offered only to have it doubled when documents came for signatures. I have now called them for an explanation but was unable to understand the lady speaking to me. So I just cancelled. Now been told that this goes against your credit score . This is diabolical and should be looked into. Martin Lewis needs to make people aware as this is an unfair practice. Do not use this bank is my advice. As a fully paid up home owner with no bad credit history ever this is shocking treatment.

Do not use this company, they are absolute scumbags. They operate a bait and switch tactic on loans, your initially offered a low rate of APR after input in your basic information, then after doing the hard search and not even notifying you they tell you you're accepted via email but when you read the terms it's up to four to five times higher APR then what was offered. I honestly hope they go out of business!!!

Politely Useless.
I raised a query on Chat, re a specific debit on my credit card.
Various back and forth
Including being shown the same reference that I could see
I still have no idea who I paid the money to.

Avoid!
I applied for a personal loan, signed the agreement which said I would receive the loan within 5 working days. I called them after 7 days to be told there was an issue with my bank details, would have been helpful if they contacted me to tell me this! My bank account is in my maiden name so it was amended and I was told I’d receive a new agreement to sign within 24 hours, I called 3 days later to be told the same thing. I called again today and was told it’s been referred and this can’t be expedited. I have now cancelled the application because I have no faith that I will receive the funds, although they were quick to tell me it will affect my credit score. Very unfair considering I have only cancelled due to them.

Still can't be bothered to respond to complaints. Disgusting service from such a large company. They offered me a loan at 5.9% and at the end of the application, tell me that the payment was going to be higher because I didn't qualify for the lowest rate. They weren't even close. The rate I was offered was 14.9%. I'm now inundated with emails telling me to sign my documents. You know what you can do with your documents M and S don't you? You've now lost a customer because I've cancelled my credit card with you and you've gained a poor review. There's nothing wrong with my credit references and I'm willing to bet, there's no one out there with a rate of 5.9% with your loans. Nothing more than thieves.

Went for 5.9% loan. Same as others. Told answer within 5 days. We have good credit scores and repaid fully many interest free loans with Gas
, DFS, SCS etc over years. Have a fully paid up house. Had to ring them after 5days to be told NO. Letter in post, Still waiting. Went to Nat West and sorted in an Hour. MS SHOULD BE ASHAMED. AVOID!

Just shocking. Applied for a loan using comparison website. This lots offered 5.7% I decided to go with them they offered the best rate. After applying on their website they replied that they would respond in 3 to 5 working days. After 5 days I saw nothing. Later checked my spam and saw an email that they sent immediately after their auto reply saying I wasn't accepted. I wondered why as credit rating was excellent and not in debt. How I wish I read the reviews before applying. Never again

Applied for a loan, was accepted, the email received said they would sign and pay money within 3 days from signing the contract. 4 days later I call to check progress as I've heard nothing to be told I've been declined and "a letter has been sent to my address to decline" (which I haven't received). Shocking service, which has thrown the timeline of new vehicle purchase all out. That aside, I have more money in my account than the loan value, no missed payments, and a high credit score so god knows what you must need to get a loan. Shocking communication. Went to Natwest, got accepted, a better rate and paid out the same day. Absolute timewasters - avoid!

Let’s just say I believe I was unfairly treated over a currency redemption transaction and have referred the travel money issue to an outside body. I would never use M&S Currency Exchange again.

Never again, accepted for the loan and money was paid within 3 days. Decided I no longer needed the loan so it was paid 2 days later. M & S bank somehow could not locate the money that was confirmed sent to the correct account with the correct reference for over a month. The money was eventually located in their account, yet they have charged me for their failings! I am still chasing them up for a refund of monies lost. Complaint has been raised but just sent round in circles, my next step is to now contact the financial ombudsman.

Bought Czech Koruna from M&S Travel Money. It emerged, when we arrived in Czechia, two notes were old currency four years out of date. Complaints to M&S Travel Money, M&S Bank, M&S Retail and even the Chief Executive have just blamed each other, and they said they didn't believe we got them from M&S Travel Money.

First time round - great

2nd time round - avoid!! They try and change the APR last minute then won’t remove the hard search from your file when you reject it.

Avoid Avoid

They steal your money they change the % last second

Getting the loan jump through hoops paying it off worst experience ever had to put my own name to pay it off so complicated spent 3 hours explaining they do not even have a business anymore bank would not recognise it

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.