Debt or rather "owed" pot?

[awjdean]

I can think of three possible solutions to your problem:

1. You could request the amount for the people who owe you using the Request feature in the Payments tab. Although, you’d need the ability to track these pending requests, which currently isn’t possible. The ability to manually send request reminders could also be useful.

You can vote for the ability to track pending requests here:

Track pending money requests sent from Payments tab

Now that Monzo allows directly requesting money from friends, it will be great if there is a tab to keep track of all these pending requests! Right now if my friend does not respond to my request I won’t be able to see a record of my request on the app at all. Even if my request is rejected all I get is a notification and thereafter no record of it will remain anywhere. Edit: Tracking of unpaid requests can be done if you split the bill from an existing payment. But if you request directly fro…

You can vote for the ability to manually send request reminders here:

Manually send Bill Split reminders

If you split a bill with someone and they don’t pay, there should be reminders that are sent automatically after a period of time (a week perhaps?). Maybe even give the person requesting it the option to send the nudge in the first place. Makes the awkward conversations to pay up that bit easier and feel less personal. [image]

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2. The ability to add notes to pots could also help since you’d be able to create a pot, set the goal as the total amount you’re owed and then put a breakdown of what you’re owed and why as a note on the pot.

Add descriptions / notes to pots

What do you all think of the ability to give a longer description to a pot. Instead of a pot called “holiday” with a goal of £1500. I want to be able to provide a description of the individual things I’m saving for. Say, “plane” £400, “hotel” £500, “spending money” £600. I would suggest a second larger (description) text box, could provide this functionality.

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3. A Shared Tab could be used to do what you’ve suggested:

• Create a Shared Tab with the person(s) who owe you money.
• Add a manual transaction for the amount they owe you.
• When they pay you back you can get them to add the amount they’ve paid you as another manual transaction.

Although the ability to partially settle a Shared Tab would help them easily pay you back when they can.

You can vote for the ability to partially settle a Shared Tab here:

Partially settle a Shared Tab

It would be nice to be able to pay a tab only partially if the amount of money in the account is not enough to pay it 100%. I found myself in a position when I want to repay immediately part of it but I can (example shared monthly mortgage ) but I don’t need to repay the rest. We’d love to use the shared tab but It cannot work like that. Could it be useful? We could use the “request money” feature but we want to keet track of all transactions in the shared tab, it is easier.

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Since you’d like to see a full transaction history between you and the people who are paying you back, I think option 3 if the best idea (as @StuartMac suggested).

If it’s a small amount and you think the other person would be able to pay you back in one go, then personally I think option 1 (with the ability to track requests in the Payments tab) is the best option.