What do you need support with?
Changes in your life can have a knock-on effect on your finances. This can lead to your finances getting out of balance, and may even become a worry. If you've recognised you need support, this is often the first step. If you've missed a payment, or are worrying about how to manage your debt, help is available.
If you're worried about keeping up to date with your contractual monthly payments, or have already fallen behind, we're here to help.
With the current rising cost of living, we've got a number of tools and tips to support you.
Life can take us on a journey with all kinds of unexpected twists and turns. Other than the information available on this page, see how else we can help you by visiting our Life Events page.
To find out more about financial abuse and how we can help, visit our Financial Abuse page for details.
Ways to get in touch
If you're concerned about your immediate financial situation, it's best to get in touch as soon as possible. As a responsible lender, we'll work with you to ensure you can keep in control of any money concerns you may have, whether they are short or long term.
A quick and easy way to get in touch with us for any account specific queries is to use our 'Chat with us' service. This can be found within our Mobile Banking App or within Internet Banking.
To access Chat quickly, press and hold down the M&S Banking App and select 'Chat with us'.
Talk to our team of experts about your financial circumstances on
0800 313 4966.
Lines are open 8am-6pm Monday to Friday and 8am-4pm Saturday.
Need some Breathing Space?
If you’re struggling with multiple debts or you have already fallen behind on your bills and need some time to seek third party financial advice, you may be eligible for Breathing Space.
Our Financial Support Team are here to help. If you're struggling with repayments, the sooner you reach out, the better.
- Chat with us or call us on 0800 313 4966.
- We’ll discuss your financial situation, and we may ask you to provide your income and expenditure information.
- Where appropriate, we’ll give you some Breathing Space to allow you time to seek third party financial advice.
Further help and support available to you
National Debtline
Offering free and independent debt advice.
Visit National Debtline or call 0808 808 4000
StepChange
Free debt advice from impartial experts.
Use their Money Health Check to get back on track or call 0800 138 1111
Money Helper
Offering free and impartial money advice as well as tools to help improve your finances.
Visit Money Helper or call 0300 500 5000
Citizens Advice
Offering free, impartial advice on debt and money, work, benefits and more.
Visit Citizens Advice or call 03444 111 444