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MARKS AND SPENCER FINANCIAL SERVICES PLC: Ombudsman complaint record

18 published Financial Ombudsman decisions. 19% of them went the complainant's way.

At a glance

Decisions published18
Upheld3
Partially upheld1
Not upheld14
Uphold rate19%
Last 30 days0
Last 12 months18
First decision2026-01-30T00:00:00+00:00
Most recent2026-05-13T00:00:00+00:00

Most common claim types

#NameComplaintsUpheldPartially upheldNot upheldUphold rate
1Irresponsible lending820625%
2Credit file / adverse marker disputes310233%
3Fraud reimbursement (APP scams)10010%
4Card / payment disputes10010%
5Complaints handling failures101050%
6Service failures generally10010%

See every claim type

Products complained about

#NameComplaintsUpheldPartially upheldNot upheldUphold rate
1Credit card1121823%
2Personal loan710614%

See every product

Recent decisions

ReferenceDateFirmProductOutcome
DRN-63505782026-05-13T00:00:00+00:00Marks and Spencer Financial Services Plccredit cardNot upheld
DRN-63319462026-05-01T00:00:00+00:00Marks and Spencer Financial Services Plccredit cardNot upheld
DRN-59701532026-04-20T00:00:00+00:00MARKS AND SPENCER FINANCIAL SERVICES PLCfixed sum loanNot upheld
DRN-61692212026-03-26T00:00:00+00:00MARKS AND SPENCER FINANCIAL SERVICES PLCloanNot upheld
DRN-62023432026-03-26T00:00:00+00:00MARKS AND SPENCER FINANCIAL SERVICES PLCloanNot upheld
DRN-62027772026-03-24T00:00:00+00:00MARKS AND SPENCER FINANCIAL SERVICES PLCcredit cardPartially upheld
DRN-61600372026-03-06T00:00:00+00:00MARKS AND SPENCER FINANCIAL SERVICES PLCcredit cardNot upheld
DRN-61609462026-02-27T00:00:00+00:00MARKS AND SPENCER FINANCIAL SERVICES PLCcredit cardNot upheld