Alright so, Some time in February I had been selling something, the person said I had defrauded them, as I didn’t send the item, it was just taking long in the postal services, so I gave them the delivery fee back and they got to keep the item. So they got rid of their complaint to their bank. Monzo closed my bank at the time because of this, after I showed them everything, they said it was an error, issued me 60£ credit and reopened my account. Now recently I’m July, my monzo got hacked but I got the account bank after doing some identification processes, they put a temporary block on the account and after some time they locked it. They told me to check CIFAS. I also applied for a savings account with santander which caused them to do a credit check and they closed the account cause of the monzo CIFAS (I had Santander years before I had monzo).
So I done a DSAR and it seems I got a CIFAS from monzo in February for “retaining unlaw credit” Cat 6. I got a final response and monzo said they can’t do anything I’ve escalated this to the Financial Ombudsman. I’m 16 and just starting college I need a card to recieve my bursary and go forward with my school lunches “it’s all done via card”. I also got rejected at interview stage by mcdonalds because I do not have a bank. Is their anything you think I should do to get one I’ve applied for my local credit union but I need a bank urgently even a basic one.
just checked with my local Cu, they don’t offer accounts anymore. Also I’ve complained to CIFAS directly. Any other methods of getting a account, my bursary form came today.
Monzo is not the only resource you have available. Try some others. Just be warned that they won’t be able to help you unless you tell the truth and not what you’ve told us.
tbutz
(🏳️🌈 Producer of "low value commentary")
15
As far as I see it, your option is either a Credit Union or a “bank” who will offer you a debit card but charge you a fortune for the privilege. That’s it.
Kinda difficult since they’ll need your details also they need access to your email for the magic link. Did you not fall for and be money mule and you just said you got hacked to protect yourself?
Honestly is the to success, however I recommend apply for the basic of the basic account that has 0 credit. Tell the bank clerk before you apply as if you apply to to many at once that can damage you further.
What you’ve said 100% didn’t happen. I don’t care what you did but I’m not going out of my way to help someone that can’t be honest.
You’ve got yourself into this mess, put in some effort to get yourself out of it. I’ve already helped you but you can’t be bothered to do anything yourself it seems.