The ombudsman 
You need to pay them when they demand the payment not ahead of time by the looks of it.
In the app on Flex Build they have triggers to meet in form of leaves for each month they pay to get the increase.
I hope they complained to Monzo first, waited for the outcome or 8 weeks then went to the ombudsman who will side with Monzo
you can pay early which pays the scheduled date early it’s pay extra that does not work with the schedule, anyway after speaking to an agent I think the experian credit score changes was a contributing factor as even though the other 2 agencies scored were going up experian score dropped 500 points cause of the changes and any monzo is dropping ussknf them, see I kept to the flex T&C exactly and the 1st 2 leads were completed even paying early yet the final one musr of been around the time experian made there changes making it seem like I dropped 500 points when the other agencies showed scores going up
to make things more confusing 2 months later they have me a business overdraft of 1000 lol but I prefer how flex works hence why I really really stuck to it’s terms and yet was disappointing in the end?
Oh, oh. The Ombudsman said they wouldn’t be able to help here, but I may ask again. Now I know about the Equifax changes, which led to users appearing to have dropped in a big way, although the other agencies were increasing for me.
This really isn’t an ombudsman issue. Like not even close to being one.
Also just as an aside, for clarity if you can use punctuation where possible, it will make reading your concerns just a bit easier for us. I struggled to understand what your problem was at first.
well the leaf icons changed color and were completed paying early, yes you can let it take payment on schedule but it’s no different paying off early, I know this as I confirmes it, it was the final leaf that6 didn’t change status or color and the scheduled payment date passed even though it was paid. also as to the leaf system I guess that’s only a feature of flex build not flex. support is saying it failed because of issues of non monzo banks, but all credit agencies show i flex never missed a payment for 5 months. 2 agencies scores increased during the first few months on flex build scheduld yet experian shows no missed flex payments again however the score dropped 500 points on the final month which is due to experian changing how there scoring works. so it’s either issues with non monzo banks with issues that caused failing the final leaf or it was the experian change that caused the final leaf issue which is why monzo is going to drop using experian.
then several months later I opened a business bank account for my sole trader ship and somehow was offered an overdraft of 1000 which I assumed would be harder to get compared to flex. it was monzo whi said to take it up with an Ombudsman which I did but they suggested they may not be able to assist with this scenario. but I’m ongoing to try again I think now I have more info etc, I also want to see if I can get to the bottom of why my flex increase was denied hey later was offered a 1000 overdraft? something can’t be quite right with this?
sorry about the punctuations something isn’t quite right with my swift keyboard
Oh jeebus. I hope you’ve had a lovely day
What resolution are you looking for?
Neither Monzo nor the Ombudsman will disclose how lending criteria are determined, no bank does. Eligibility is influenced by many variables, including timing, account activity, type of account and other factors, which can vary from case to case.
There is no logical basis for the assumption that this is based on leafs.
Not that this is an airport that needs some kind of departure notice but for me this £100 change is the kicker to close flex. It’s already been something I’ve been thinking of doing because transactions are just so hidden once you’ve paid them off but flexing over 3 month on subscriptions etc has actually been a main driver for me using it. While I do appreciate the interest & payments visibility over traditional credit cards, the transaction history is much worse.
Hi everyone,
I’m Ligia, a Product Marketing Manager on the Flex team here at Monzo 
Today we’re launching a few changes to how you view and manage your upcoming Flex monthly payments in the Monzo app.
Over the last few months we’ve been exploring how we can simplify the experience, and make it easier to understand how much is due and your options for paying back.
So we’re introducing a brand new screen called ‘Manage payments’ 
It’s home to all the info and actions related to your upcoming monthly payment, in one, easy-to-find place.
Here’s what you can do from the new ‘Manage payments’ screen:
See all your upcoming Flex monthly payments at a glance in a graph
Make your next payment early, or reduce or increase the amount
Get a clearer view of when payments for new purchases are due
See a detailed breakdown of all the purchases behind each monthly payment
Pay towards your whole Flex balance with ‘Pay extra’
Adjust your payment settings (your default payment option, your payment due date, and where to pay Flex from)
As part of this change, we’ve moved ‘All upcoming payments’ to the new ‘Manage payments’ screen, and renamed it ‘View all purchases’. We know that understanding exactly what you’re paying back each month is an important part of Flex, so we’ve made sure it’s still easy to find in its new home.
These changes are being rolled out at the moment, so you should start seeing the new experience in the app soon.
We’ve been testing these changes for a while, and made some tweaks based on early customer feedback – and now we’d love to hear yours. We’ll keep an eye out! 
I’ve had this for a while - have I been inadvertently beta testing it? 
Just went to check and it literally changed before my eyes.
Quite like it having explored it.
I have this now too. I like what I see.
Me too - it’s a much better visual
I like this. Nice visualisation.
This looks good. However one feature I still think is really missing from Flex is the ability to make instalment payments for multiple purchases in one go, rather than having to go into each item, make a payment, then go back into the next one.
So eg I have 10 purchases and want to make the next instalment payment early for 5 of them. At the moment that’s 5 individual transactions I have to do rather than selecting the 5 transactions and saying “make payment early”.
So I was having a mess about in the app just now and thought I’d click through the overdraft menus to see if Monzo would offer one (don’t need it just browsing) and it popped up with this screen.
Could this also be why my flex limit is £250 and I’ve never been offered higher?
I didn’t link my bank as I get paid into joint Starling, which is actually connected via my Extra sub anyway… 
@TheoGibson I don’t suppose you would be able to shed any light on it?
Probably down to two people’s salary being paid in, Monzo can’t align responsible lending.
You could earn £10k, but your partner earning £50k, Monzo might give you a £2k overdraft based on £60k income, but actually should have only offered £500 say.
So is this a Monzo issue? Never come across this with any other bank/credit card before
I wouldn’t know, it was just a total guess from a risk pov.
