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Income and Expenditure Assessment

Complete our income and expenditure assessment, so that we can understand your situation and give you support
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Get personalised financial support

If you've missed a bill or payment, or think you might do soon, let us know as soon as you can. Answer a few questions on our income and expenditure assessment to give us a better idea of your current financial situation. This can help us to give you personalised support, no matter what financial difficulty you might be experiencing.

What to expect

We've teamed up with consents.online to give you a safe and secure way to tell us about your income and expenditure. It should only take 10 to 15 minutes to complete and it won't impact your credit rating. You'll only need to complete this form once, even if you hold multiple products.

We'll ask you for:

  • basic information about yourself
  • your current employment status
  • your current monthly income and outgoings - such as your salary and mortgage payments or rent

Please read the steps below, to learn more about how we can support you:

Step 1 - Submitting the form

It's important that we understand your situation and work with you to find the right solution. Please complete an Income and Expenditure form.

The form asks you about your monthly income and outgoings such as salary, mortgage payments, rent, utility bills and outstanding balances with other lenders so please have this information to hand. Please also ensure the email address you provide us with is correct and up to date.

If you require support on how to complete the form, please use our 'Chat' service, located at the bottom right of the page. Our agents are available between 8am-6pm Monday to Friday and 8am-4pm Saturday. When starting a chat, please ask “I need help with my I&E form.”

The Income and Expenditure form opens in a new tab, so if you're using the 'Chat' service as well as completing the form, you'll need to switch between tabs.

Step 2 - What happens next?

Once you’ve submitted the form, we might need to speak to you to discuss the options we have available to support you. You can talk to our specialist team using our ‘Chat with us’ service or call us on 0800 313 4966. Lines are open 8am-6pm Monday to Friday and 8am-4pm Saturday. 

FAQs

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.

Chat with us online

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'.

Give us a call

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.

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

Set up digital banking for your credit card or Everyday Savings Account, and access your accounts safely and securely at your convenience.