I’ve always found the in app chat really good in the past, but now I have had my first real issue with a payment Monzo and I am now stuck waiting for a specialist. Its been almost 26 hours now, since the first person escalated it, and after I asked for an update today a different customer support just asked a few basic questions then sent the same message saying they are escalating it to a specialist. This has already cost me a late payment fee (that the other company happily refunded after a short telephone call). How long does it take to get a response from a “specialist”. I can get issues like this resolved with just a phone call with other banks. What if this was something more time sensitive like a mortgage payment?