I have a current dispute raised for a charge back due to booking a taxi and being over charged and the taxi not fully completing the final destination and not arriving at the agreed destination. This was raised on the 13th October and was accepted on the 21st October , my question is why won’t they give me a temp refund. I have advised and there is a vulnerability marker on my account
A vulnerability marker doesn’t entitle you to an immediate temporary refund.
Temporary refunds are only in certain situations and banks don’t have to provide them. Monzo will be in the process of asking the merchant what happened, they have 42 days to respond.
You should receive a response no later than 2nd December 2025.
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Unless the disputed amount is an obvious duplicate, seriously overcharged (i.e. £1,000 instead of £10.00 for a taxi journey) or there is a “high probability of fraud” (i.e. the merchant has “history”, card details cloned etc), most banks will be unlikely to give a temporary refund without investigation.
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What? 
This sounds like something that is going to be tough to prove.
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Sorry if I’m oversimplifying this but:
If you used a ride sharing app (like Uber), shouldn’t an overpayment be disputed with them first, and only look at chargeback if you don’t get anywhere with them? Chargebacks can risk account closures and being blacklisted from their services in some cases.
If it’s with a local taxi firm or independant cabbie (like a london black cab), you pay when your ride is finished (in most cases), and the price shown on the card machine is what is paid and can’t be changed after the fact?
Even as a vulnerable person, surely chargeback shouldn’t be the first thing you attempt unless you are suspecting fraud, and then it’s a fraud claim, not a chargeback?
It depends, some companies have apps and you pay the journey up front, but there’s sometimes no tracking to adjust the amount paid if the journey is cut short.
Uber and similar local apps near me track the journey and driver and if the journey changes, the charges are increased or reduced.
Ok, but if you’re using an app, it’s still a dispute with the company that runs the app, or the local taxi firm first then, surely? Even with no tracking. If theirs issues with certain drivers, they would need to know.
Resorting to chargeback as your first step seems a bit excessive, and means any driver error/abuse is skipped so can keep happening.
I might just be overthinking with my logical brain. I dunno.
[OP may have disputed with the taxi firm/app provider, but they haven’t mentioned it, so only going off what was shared]
I booked new tyres at ATS, and they arranged an appointment two weeks later. When I arrived on fitting day, they informed me that they had no tyres available. They made no calls or attempts to contact me. The guy asked to contact the main office for a refund, but the main office asked to contact a local garage instead. I then opened a dispute with Monzo and received my money back the next day through a chargeback…
If there’s no tracking it’s just hearsay between the two.
OP pushing for a temporary refund is a bit suss tbh. There needs to be more proof the journey wasn’t fulfilled.
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That was my concern.
It’s straightforward to dispute if it was Uber (or a similar service) since they track both the charges and where the vehicles have been etc. But if it was a more traditional taxi service and payment was made upfront, like town centre taxi ranks near me, then there’s really no proof.
Hopefully, they’ve already tried to dispute it directly with the taxi firm first, as @BurnyCubbers77 mentioned. But if the chargeback has already been raised and it’s just based on their word against the company’s, it’s unlikely the chargeback will be successful.
It’s been fully disputed with Bolt taxis all that side and investigating have been done from Monzos side and dispute has been accepted. All evidence was submitted
I fully disputed this with bolt, complained that the agreed price paid before I ev n the taxi was dispatched was paid, the taxi driver faid we to reached the correct drop of point and ended up at the correct destination and a totally different address. So never effectively fulfilled the job
I’m assuming Bolt have rejected your claim then? What did they say?
If an address is in Bolt then the driver knows where to go and there is a map they follow. Seems odd to be dropped off somewhere else, other than if you put the address in wrong.
It’s worth noting too that on these apps the “cost” presented at booking is not always the cost at the end, once the trip has been completed and any time or journey deviations are taken into account.
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That’s a very quick acceptance for a chargeback 
Are you sure you’ve not been refunded in advance and it’s still being investigated in the background? They sometimes do this, and state they will take the money back if unsuccessful.
It’s not within regulation to refund temporarily. These types of transactions are always up front so it’s unlikely the chargeback will be successful as OP would’ve accepted the cost when booking.
Being Bolt, and having used their services, it’s very much cemented that the merchant is correct.
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No. They have not refunded, I just went around in circles from one advisor to another. The point I tried to make to them was the final drop of point was not where the driver ended up, so in my view, they never honoured the booking
It was booked via an app, and there tracking, the booking was set and paid upfront with pickup and drop off addresses ( correct ones) as showing in my app, the updating receipt shows the drop off at a totally different address
You used a taxi service to deliver cigarettes to your friends house?
First of all be careful you’ve put so many addresses on here and it’s public, we can see where you and your friend live.
So you used it to transport cigarettes? Interesting use but I suppose it’s still supposed to arrive to the same place regardless.
From maps the distance between the intended place and the actual place is about 11 minutes drive away. Quite a distance. The issue is I guess that cigarettes can’t say “this is the wrong address”
Looking at the times though; I don’t know how Bolt shows it but your receipt shows a 15:06 order but then the order shown from the driver is not that time. Is that usual?
It does seem odd that the official maps shows the incorrect end point. So far as I know the driver can’t alter this, so it doesn’t look to be their fault.
That being said Bolt don’t seem to be really assisting you here; seems bad customer service.
You’ll just have to wait for Monzo to respond, and I would imagine ultimately this might be a case of taking the loss; but if you are determined then you’ll just have to escalate it upwards with Bolt and then I presume onto small claims court.
Whatever the outcome, I’d certainly be switching to a proper delivery company after this. They ask for a delivery code for this exact reason.
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