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.