I thought that they had initiated a chargeback? Or at least we know that they could, if you have a valid issue.
It sounds like the only difference is that they haven’t reversed the transaction for you -
From my understanding they launch a dispute and it can take 45 days until it’s resolved. Until then the money stays debited.
That’s my understanding too but that’s quite the same thing as
It’s not a credit card. Monzo has always said it’s a [prepaid] debit card. There are different rules, rights and obligations for each.
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I personally had a good experience with Monzo chargebacks. Granted, it was a small amount (I don’t know how much you lost here) but they sent me a Google Form to fill in and 20 days later a “Chargeback completed” transaction appeared in my feed.
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It’s not the same thing at all.
Right guys I’m gonna have to stop this here, it’s not really moving anything forward or changing my over arching sentiment.
Unfortunately today I learnt I can no longer use Monzo for all my spending due to the way it handles disputes. It’s why it’s in beta for me to test out these things…
Maybe Starling / Monzo or another company will launch the app-first card with the protection I want but until then I will just have to revert to normal credit cards.
Happy Friday!
What, precisely, do you want? Tom has previously stated this is something they want to work on. Here’s your chance.
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There’s no such thing as a free lunch, and ultimately I believe the cost associated with providing the purchaser protection is reflected in the (typically) higher fees charged to the vendor for credit card transactions. Personally I almost never use my credit card, because I assume it will cost the vendor more, and frankly I don’t think that’s fair on them.
When I last bought a car, the dealership told me I could pay for it with my credit card, but they would pass on the charge to me (would have been about £150 if I recall). I paid for it with my debit card, no problem. 
I know you can’t please everyone all the time, but personally I’m happy using a debit card for everything, even though I have an equivalent credit card I could use too. I’d much rather all my transactions were visible in the one place than hived off in a credit card account until such time as it is paid off.
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I feel the opposite - the vendors have factored the cost of consumers using credit cards into their prices, so if I use a debit card, not only do I lose out on the points and protection, I’m also increasing the vendor’s profit margin.
The points program on my BA Amex is worth between 5 and 10 k per year for me, it will take a lot to get me to move all that spend to a debit card.
Jim, I think you make a great example where you and I differ and why this is important to me.
I paid for my car via credit card at the dealership and was happy to swallow the fee. Why? 13 months later the breaks had serious problems and I was looking at a hefty bill, I asked the dealership to fix this as it should have lasted more than 13 months - they refused.
I then mentioned I would go via my card - they agreed that same day to fix the issue for me. It’s an extra layer of protection that I find is essential.
Also the other other poster many a valid point many credit cards come with rewards, sometimes really good ones. However that’s another conversation.
I’m surprised they fell for your threat to use section 75. As I understand it section 75 only covers breach of contract (companies that havent delivered because they either went bust or simply didn’t send you the item). Dodgy breaks would be covered by whatever warranty applies (I assume you had no extended agreement and yours expired after 12 months), they certainly aren’t a breach of contract since you enjoyed your car for 13 months.
I would be willing to bet that had you contested that transaction under S75, it would have went the merchant’s way.
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From my understanding it is a breach of contract as this wasn’t wear and tear. You expect the breaks of a car to last longer than 13 months
It’s similar to the PPI breast implant scandal the time frame doesn’t have to be a year.
For what it’s worth, the car I bought (a modest Hyundai) came with a 5-year warranty. Something did break in the first few weeks (the mechanism of the driver’s electric window) and the dealer picked up our car from work, fixed it and returned it to us same day no problem and no charge.
You actually only need to pay >£100 on the card to get the full protection not the whole cost.
I made sure to pay the deposit on my car using the credit card to get this, then paid the rest by bank transfer to save on fees.
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And how many patients got refunds under S75 because of their exploding breasts?? 
I’m starting to think you are trolling us, if so, good job you are doing in fairness!!
That case may have been medical malpractice, and/or breach of health laws and regulations, not strictly a breach of contract as doctors delivered on what was agreed, albeit illegally, I.e. everyone walked out with larger breast as agreed. In fact, the responsibility lied in the third party manufacturer which would render S75 pointless by virtue of not being the direct merchant in original transaction. You will find that any money recovered by patients was paid as damages and not a refund on transaction. Sure as hell not VISA or MasterCar’s responsibility. What next, Grenfell tower residents getting all their rents back through S75. Hope they didn’t pay them using a Monzo card 
It’s got nothing to do with timeframe alright, you are still either not understanding S75 or purposefully being disingenuous.
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Me troll? take the sentiment of me using an extreme example to back up a point of another example as demostration of the protection I need from a Monzo transaction dispute.
The card should protect me so that purchases are of Satisfactory quality, As Described, Fit for purpose, And last a Reasonable length of Time. Simples.
What other pre-paid cards do this?
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LMGTFY…
What I needed & expected from monzo, we’ve established is not what’s on offer
The examples you give to explain what you need is not provided by any card in the market, not even credit cards. What you need is a series of insurance policies, warranties and criminal solicitors 
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I just cannot get my head around why you’d expect any of what you have said from any card… just confused.
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