Really need some support on how I can get anyone to take any ownership at Monzo in my Right of Appropriation Request.
I was in an unarranged Overdraft of around £80 due to Monzo taking back a refund they gave me for a dispute. I believe this to be incorrect and have evidence but it is what it is, they won’t budge.
I might had a further refund incoming from another dispute and knew that if this refund was issued, I’d need the funds but they’d be swallowed by the overdraft.
Additionally, I have universal credit payments pending to come in my account on Friday that I need for priority bills.
I made the right of appropriation request for the refund, prior to the refund coming in and no-one has done anything about it other then tell me they’ll pass it to the right team to review. The refund has landed now and I can’t access it.
Additionally, the right of appropriation I have done for my universal credit payments has been raised and I keep being told it’s sat with the financial health team and they’ll be in touch when they can.
It’s stressing me out, not getting any updates and no-one is taking any accountability or making any attempts to help. I’ve never experienced this before and finding it incredibly poor.
Monzo gave you a date they’d take the money back (they’re quite reasonable with the timeframe in my experience)
This passed
You then raised a right of appropriation request because you wanted money from another refund to be used against it - essentially wanting an even longer loan of the money.
This hasn’t been done quickly so now you’re in an overdraft?
If this is what happened, I’m not really surprised Monzo wont budge.
I’m aware of what a right of appropriation is, given the line of work I do, and aware of how and when it can and should be utilised. The refund, is intended to be used towards priority bills, as is my benefit payment. It’s the fact they’re not responding to my right of appropriation request that is the issue.
Thank you Carlo. They’ve not reached the account we in reflected in my account balance yet, but you can see they’re a pending payment ready to hit the account tomorrow.
They advised me to do it before the payment lands in the account because if I don’t, they’ll automatically use the funds towards the overdraft which can’t be undone. But I’ve been trying to do this all week now end getting nowhere. Not even a response other than ‘the right team will review it and get back in touch’
If you’re disputing the declined refund, it doesn’t change anything that I mentioned.
While it’s not ideal, the initial people you speak with are frontline support. They can assist with general inquiries, and anything beyond that is escalated to the appropriate team for further action.
This is usually where delays can occur. If you continue to follow up, the frontline team can only ask for your patience while you wait. You’ll receive a response as soon as the responsible team has the capacity to handle your request.
Have you directly asked to make a complaint about the way it’s being handled? I think you should.
It sounds far less than ideal. If I were you I’d keep chasing and making a fuss in the hopes that eventually someone will take accountability and let you know what’s going on.
