Absolutely disgusted with m&s bank! Had pet insurance for our dog for a number of years and sadly had to have him put to sleep on 22 December 2017. Rang and told them of this and was advised to cancel direct debit. Today I’ve received a letter advising we owe them £170 and are now subject to a default notice!!!! Never claimed a penny over the years and paid in excess of £50 per month. Come on m&s where’s your compassion