A & R Financial Services

Advantages: Helpful, low APRs
Disadvantages: None

...Marks and Spencer provide a variety of Financial Services and they are a helpful and efficient service provider as well. I would recommend them as a good, reliable company to go to for financial help and you will see that M&S are much more than a good place to buy clothes and food. M&S can provide you with an account card which you can use in any M&S store to pay for goods or for a variety of services such as flower delivery. This card has a low APR and you can get a credit limit of several thousand pounds should you wish to. This card is useful for regular shoppers at M&S or for people buying high value items such as furniture. Card holders also get the M&S catalogue for free and other shopping perks. You receive monthly statements so you can keep track of what you have spent. M&S also offer a Personal Reserve account. You... Read review

Ciao members have rated this review on average helpful

Advantages: Excellent customer care, hassle free
Disadvantages: None

...Anyone familiar with my regular musings about soap and body lotion may be rather alarmed that I have ventured into such ‘grown up’ territory and be more than a little concerned about trusting my word on all matters financial. Well, to be honest I wouldn’t trust my word on anything of such importance either so I’m not going to pretend I’ve developed financial advisor credentials overnight. I’m going to tell you about the service I received from Marks and Spencer Financial Services purely from a customer point of view. Any financial whiz kids out there please feel free to abandon this op in favour of one with a little more product knowledge. I won’t be offended… About 18 months ago I moved back to the UK having spent some time living in France and found myself in a tricky situation financially. It was entirely my own fault and I... Read review

Ciao members have rated this review on average helpful

Advantages: Good Service, Product
Disadvantages: Online services lacking

...Isa means that the government won't tax it. After taking all this on board I went looking for an ISA in a very crowded market. There are a lot of ISA's that are purely stock market related and these should be carefully considered before putting your money into one. This is purely because the market at the moment is very poor and anyone who can't afford to potentially lose cash should think twice. I went for the ISA offered by Marks and Spencers Financial Services. At the time it offered a reasonable 4.75% AER on the Cash part of the ISA. It also offered me flexability as I could put as little or as much as I wanted away each month. They give you the option to set up a direct debit each month for saving but personally I like more control. Setting up the ISA was very straightforward and all done over the phone, I've found that all... Read review

Ciao members have rated this review on average helpful