Marks and Spencer & More Card

Probably the worst credit card provider and is nothing to do with m&s, but has been sold to HSBC. They have made our lives a complete misery over a payment they lost and took months to accept was their fault. They then tried to pursue us with threats and intimidation for £1.38!

M&S refused to help, even though they take a massive fee from HSBC to use the M&S name! Unbelievable.

Do not use them.

Just been to a local shop to pay a bill and my Marks Credit Card was declined. I was buying a product priced at £150 and I have over £13,000 available on the card.

This is not the first time this has happened and it's so embarrassing. Fortunately I have a debit card with another bank and that went through no bother.

I have just switched my current account from Marks and Spencer to Nationwide because I could not get into my account on the internet to view my account, despite contacting the Marks so called helpline on about 6 occasions.

I am all for security but I cannot believe the bank put so many hurdles in the way of online banking.

I was giving Marks a chance but I've now had enough and will be looking for a credit card company that can actually provide some service unlike the shambles that I and great many other people have to put up with.

Marks and Spencer management must be aware of all these problems but are just not interested in sorting them out.

Avoid M&S Bank like the plague!

Absolutely hopeless. Very disappointing. My cheque to clear the months balance was returned "Words and figures do not match" After nearly half and hour of waiting on the phone I spoke to a person in India (who I could barely understand) who told me to make an immediate payment by debit card to avoid fees. I explained that £1311 in figures and "Thirteen hundred and eleven pounds" in words were the same thing. She initially agreed with me, but after not being able to transfer my call to the payment team she changed her mind and said that the cheque should be worded "One thousand and eleven pounds. So has the English language changed? Marks and Spencer has always been a brand that I have supported. I now realise that they have completely lost the plot. My local Marks and Spencer has recently shut. I can now see why people have given up with them. Such a shame.

I was persuaded in store two weeks to apply for an M&S bank cred card. The incentive I was offered was £20 vouchers posted immediately on approved application. And £25 vouchers after my first purchase. THIS was the deal

I didn't get any vouchers and when I called to find out why they said the deal had changed... I needed to spend £100 before I got any vouchers!

Totally misrepresented themselves to get me to sign up!

Disgrace

Applied for credit card, got accepted, sent of signed forms which they lost. Signed second set of forms heard nothing after 6 weeks, called and held on for an hour before being cut off by them. Finally got through to India unfortunately I couldn't understand what was being said to me, got cut off again. Sent an email to chase and still 2 weeks later haven't heard anything. Abysmal service, poor customer service no one should have to hold on for an hour just to be cut off. This is a British brand and they can't even have a call centre in this country. Go to Sainsburys or Tesco.

Customer service based in india are clueless and they do not follow rules to protect consumer rights. Whole thing is cumbersome and impossible to recover fraudulent charges

Possibly the worst customer service in the UK, provided by none other than an Indian call centre! trying to get a problem resolved over a transaction has proved impossibly, I have now binned the card and will be sticking to Tesco credit card from now on.

Accidentally went a few pounds over my £2400 credit limit on MandS credit card (First time ever, all previous payments over several years have been made in full by monthly direct debit) and card was stopped. I immediately paid £1000 by debit card on the MandS web-site, but credit was not acknowledged. Went specially to local MandS store and made another payment of £500 by debit card, but told they could not cancel the block on my card until the payment had been 'Processed'. Spoke by phone to the help centre, who said "Yes the payments were there", but they could not re-activate my card until they had been "processed". Today they have taken a direct debit for the full amount, completely disregarding the above payments.

I used the M&S card as an alternative to the John Lewis one, but after this shambles I am going back to JL.

Avoid if you want an easy life.

I have had a M&S credit card for a number of years and always pay the full amount every month using my account with Barclays via the telephone. This month tried to pay it as usual via the telephone but M&S kept sending it back to Barclays. After numerous calls to both Barclays and M&S (a total of nearly 6 hrs on the phone) it seems that M&S introduced a new system at the beginning of the month and Barclays are unable to make any payments. Surely a large company like M&S should have ensured any changes to the fathering payment system would be working correctly. I don't see why I should have to either visit as sore or write a cheque and pay for a stamp when I have always paid via the telephone. Is there anyone else out there having problems

These chumps have got to be the most dis-organised operation in the banking world. Having had 4 calls a day from 'credit control' chasing an overdue payment - having explained twice and confirmed with a letter, my Co had changed the salary day in the month (takeover) and I re-arranged all my DD's with banks & building societies but M&S can't handle this - the computer says no... I had 38 calls and 4 letters in 15 days along with threats to trash my almost perfect credit history - how dare they, when all other financial Co's were happy to accept changes.

They have got to have the most aggressive collection department and no wonder the UK is in a mess, no one dare go out or spend anything because these idiots will let you down or stop you at a critical point & they don't give a care in the world about you.

Avoid these guys at any opportunity - don't do it - go to a listening bank.