Marks and Spencer bank is the only bank I have had trouble with trying to get a refund on my credit card (all of which are Mastercard).

Having had holidays cancelled I had paid deposits and balances with several Mastercards with different banks. All other banks credited my cards within a couple of days. Except M&S who make the process difficult, wanting receipts, invoices, etc and even a month later I am still waiting for some idea of where they are up to.

This is pathetic and I have never known anything like it. I am switching all my accounts with M&S to other banks. You can't even pay a cheque in on their app.

M&S say they need to gain 'evidence' of the dispute. Yet all other Mastercards with my other banks haven't needed anything, and said it's up to the company to dispute it, not the customer (i.e me) once you've been credited.

M&S don't even reply to complaints or letters. There is no incentive to have accounts with them.