“Dealing with people over the phone I can barely understand. I finally managed to make a payment to clear my existing loan to find they have taken a payment from me a month later. Had no correspondence to say my loan has been cleared. Guess I will have to call India again and now I am worried there are scammers involved. Avoid.”
“The app is useless. Everytime it does an update I have to reinput all my login and password details. But it’s mobile app and you don’t have these details to hand if you are away from home or abroad. Useless. Perhaps time to stop using it.”
“So unfriendly trying to register. The app is simply shocking and so difficult to use. Ill stick with waiting months for a statement to arrive in post”
“I had a debit card never missed a payment have a credit card too and be cause you dknt pay your card quicker than what they like they wrote and told me they were not going to give me another card and I am still paying for my credit card not used them both for a very long time so I have penalised for not paying quicker so my advice DONT BOTHER APPLYING THEY ARE THE PITS”
“I invested a total of $743k on a binary option platform after several weeks i tried to make some withdrawals to my bank but the withdrawal wasn’t successful, i quickly contact the platform costumer care via email and phone number they provided in their contact info but didn’t get a response from them that was when everything started looking weird. A few weeks later I got a mail from them requesting that i should invest more money if I want to withdraw my money which i rejected, and I never heard from them again that was when I knew I’m about being screwed. i was really devastated at those moment and felt so bad that my hard earned money was gone. After some months I came across a lot of testimonies on the web on how Lisa Elizabeth had helped many people recovered their stolen, scammed or duped money on bitcoin or any other form in digital currency. I contacted them and they promised to help me get my money back asked me some info about the company i invested with which I provided. The result was amazing I recovered all my Lost funds back within a space of 73 hours I was so happy as I never believe I could get my money back. Thanks to Lisa Elizabeth , There are on WhatsApp::: +1 310 658 0921 or Email: ( lisaellzabet 662 @ gm ail . com ) HER MAIL.”
“Earlier this year, I lost a huge sum of money trading bitcoin on a scam telegram site. I was so devastated making several efforts to get my funds back. I gave up thinking there is no way it can be recovered due to what I’ve heard people say that lost Bitcoin can never be recovered. This made me not even try to see if it’s possible or not. A few weeks ago, when Bitcoin rose to $62,000, while surfing the net on quora I saw testimonies of people who have had their lost cryptocurrency recovered by ( lisaellzabet 662 @ gm ail . com ) ( WhatsApp::: +1 310 658 0921 ). I didn’t hesitate to contact them and with their help all my lost BTC was recovered by them”
“Dreadful service, telephone took more than 3 minutes to get through and was an incomprehensible conversation which seemed to be at the bottom of the ocean! To top it all I don’t have this Physical Pass which means I cannot access anything!”
“I have been trying to gain access to Marks & Spencer on line banking. I only want to check the balance on my credit card. I have had to wait for M&S pass, I still not able to access the online account. Frustration is a polite word, angry is another. I use other on line banking services and it has multiple checks but its nothing like what I have had to try and do to even register.”
“I have literally got my card today and what a nightmare cannot create an account and the App is the worst i have EVER ENCOUNTERED if only it was as good as the food hall”
“Paying my credit card online is a nightmare. When I attempt to log in, I am constantly told that I have signed out and I need to log in again. WHICH IS WHAT I AM TRYING TO DO!!! I need to set aside a full morning or afternoon in order to perform what should be a straightforward task. Frequently I shut down my computer in despair and try again the next day. I notice that from time to time you change the layout of your site, which I assume is to simplify and clarify transactions for you customers. ITS NOT WORKING!”
“My wife made an application, to clear another car loan with a lower interest rate and thereby paying the same monthly amount over a shorter period.
It was declined. The first time ever for my 63yr old home owning wife.
Now her credit score has dropped 22pts.
Be careful, choose wisely.”
“The app and online experience is absolutely useless. I came to M&S after my 0% Purchases ending on another card and I’m already considering opening another card elsewhere to avoid the app. Does not show you pending transactions, payments into the account takes days to show, to make a payment into the card you need to have your debit card on-hand, the whole app is just a terrible user experience. They could learn a thing or two from Nationwide/Amex about how to build a functional app!! They posted me a statement this month with a cheque on the bottom to send back for payment… archaic!!”
“My wife applied for a loan, to buy out car from existing finance deal, which actually meant a shorter loan period for same monthly payment and was rejected on affordability, which is a joke.
No recourse, no real explanation and now my wife's credit rating has gone down by 22pts. Awful service, do not use!”
“I want to continue with printed statements and, without authority from me, M&S Bank have stopped them.
Why should I have the trouble of reinstating them when I have not caused this problem? You are not customer facing!!
This is not how you operated when you first were open.
The wishes of your customers do not count.
Benefits of having an account are minimal.
I used to be proud to hold a M&S card.
Not any more!!”
