Marks and Spencer Car Loan

With an excellent credit score of 999, I needed a loan for a car - with their advertised rate of 3.3% APR which was one of the best deal out there. Loan approved, they then announced the APR was now over 6% due to "various factors" of which the foreign call center lady tried to explain, none of which I had on my record, or ever experienced. Just excuses to justify trying to extort more money out of me.

They are just conning you to apply with a false APR advertised, be warned. Credit report no marked, but Id rather have that now, then use them.

Told them to forget it, and I never took out the loan.

Go elsewhere is my advice, avoid this scheme to pull you in.

Pleand, Please be very carfull with Marks and Spencers as they are con gangsters , My wife aplyed for a concolidation lone to save £70 per month on very semsible you would think, well not to M & S my wife has Exolent credit score acording to Expirea ( Well not now ) as M & S Gangsters have rejuced her score to Fair for no reason at all no missed payments on Defolts at all We are concidering taking legal action against M & S for slander,

Mr R Goldsmith

Never go near Marks and Spencers as they will compleatly finish your Life.

We will never spend one penny in M & S again and erge every body to do the same to theis gangsters.

Avoid M&S at all costs if you're not an M&S customer. I applied for the car buying plan loan and was advised with my credit rating being excellent I should qualify for the typical APR 8.7% as most customers tend to get this rate. However, as I am not an M&S customer they quoted me a ridiculous 12.7 APR stating I was high risk as I am not an M&S customer and I don't shop with them either! My credit profile was excellent and now I have a footprint on my file as M&S have carried out a search. If I had known this information earlier I wouldn't have bothered wasting my time by applying. Do not fall into the same trap as myself if you're not an M&S customer.