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APPALING CUSTOMER SERVICE – Marks & Spencer

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M&S | Current Account

M&S have made sure that their customers can reap benefits with their Current Accounts. However, these rewards are usually tied back to shopping at M&S – so if you’re an M&S regular it’s worth considering, if not it then they may not be that attractive. When spending in an M&S store or online using the debit card linked to your M&S Current Account you will accrue points, these are then converted into vouchers that can be used on any of M&S’s food, homeware or clothing products. If there is a bigger purchase you have in mind these points can be saved up over a 15 month period.

One thing to watch out for if you’re going to apply for the M&S Current Account is that you will have to undergo a credit check to see if you are eligible for the account. So if you have blemishes on your credit file, or have had CCJs, IVAs or bankruptcy in the last six years then it might be worth looking at other current accounts as it is unlikely that you will be accepted for the M&S Current Account.

Looking online for M&S Current Account reviews doesn’t provide much information. However, we can take a look at M&S as a company to gauge the type of experience that customers are having. It’s quite difficult to apply their ‘bad’ rating on TrustPilot to their banking products as this also covers their clothing and food as well. If we search through and find the reviews about M&S Bank customers seem to be pleased with the ease of applying and good rates, however there has been problems with the responsiveness of the customer service team.

Overall verdict: If you have good credit and regularly shop at M&S their Current Account is right up your street. You can earn rewards every time you spend in store or online which you can then exchange for treats and even more shopping – which is great when you consider that there’s no monthly fee!

Marks & Spencer has thrown down the gauntlet to John Lewis this year with an all-dancing Christmas advert featuring a signature “shoulder roll” move that it hopes could set dancefloors and social media alight over the festive season.

Set to House of Pain’s 1992 hit Jump Around, the ad was made by the British director Jake Nava, best known for Beyoncé’s Single Ladies music video. The M&S ad, which launched on Friday, features a cast of dancers “jumping around” in M&S jumpers.

The choreography in the M&S’s “Go Jumpers” commercial is less complex than the routine tackled by Beyoncé and her backing troupe in Nava’s video, with the retailer offering advice on how to master the simple move (instructions: “adopt a power stance” and then roll your shoulder forward and back – and repeat). The store chain is hoping shoulder-rollers will then film their efforts and share their videos on social media using the hashtag #gojumpers.

Still from M&S’s new Christmas ad. Photograph: M&S

Nathan Ansell, M&S’s director of marketing for clothing and home, said the infectiousness of the shoulder roll move had been picked up in focus groups.

This week M&S reported a drop in first-half profits after a sharp decline in clothing sales and the retailer hopes the feel-good ad will pull in shoppers. Its chief executive, Steve Rowe, has said a new design team will shed M&S’s reputation for “frumpiness”.

The M&S ad, which unlike last year does not feature its TV presenter fashion muse Holly Willoughby, is designed to throw the spotlight on its knitwear as strong sales of woolies could be key to its financial success this Christmas. M&S has said it expects to shift 6m jumpers and is trying to attract more young families to its stores. The ad features 50 jumpers costing anywhere between £20 and £150 – plus a £19.50 patterned jumper for dogs.

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The festive ad heralds the start of the annual battle for hearts and minds in what is known as the “golden quarter” for retailers, when stores make the vast majority of their profits. Shoppers are expected to spend £80bn in the final six weeks of the season alone, according to a report by the Centre for Retail Research for VoucherCodes.co.uk.

The M&S ad is part of a record £6.8bn festive advertising spree this year as companies try to tempt people to spend after a tumultuous year in which some big names – most recently Mothercare – have gone to the wall.

John Lewis’s festive advert has become an annual event thanks to its catalogue of emotional ads that have included Monty the penguin and the tale of a lonely man on the moon.

Ikea also entered the fray for the first time on Friday with an irreverent ad set to an original grime track voiced by MC D Double E. Some of the retail industry’s biggest names, including Tesco, Sainsbury’s and John Lewis, will wait until after Remembrance Day on 11 November for their big reveals.

• This article was amended on 18 November 2019 to include the name of the commissioner of the report by the Centre for Retail Research.