Well done! This was good. Actually made me laugh. Good for you!
1 Like
Yes, I was part of some testing a very long time ago. Can’t even recall what was it actually… I still have the t-shirt somewhere.
I’m amazed that not one single person could possibly accept that maybe Monzo could have made a mistake. These threads always end up with people jumping up and down telling the person that they were ‘obviously doing something dodgy’. Newsflash - Monzo, nor any human who works for them, nor any AI which they use is perfect.
Maybe the OP is a crook and deserved to have his account closed. But why so much joy in telling them to accept it and move on? Do you get a kick out of it? Do you not accept things at face value any longer? I hope none of you are ever on a jury.
8 Likes
Nice, thats pretty sweet. So on a serious note. Ignoring what any other user has posted. Have you legit done something that would make Monzo think twice about having you as a Customer?
Im not being disrepsectful, im not trying to say you have done something wrong but legit it does concern me Monzo account closures because people are so vocal about them whereas they are not with other banks
If you look on MSE or similar, there is a thread for every single bank. All full of people who have done nothing wrong and are having their accounts closed. Look on Facebook, there’s groups for all the banks. Reviews on the app stores. Tweets on Twitter.
This isn’t a Monzo problem, it’s everywhere.
2 Likes
Do you have a source for this? Otherwise I’m not sure how you can say so. If you do something illegal maybe, but if Paul Rippon wants a business account for his Alpaca business and the terms specify no Camelid based businesses I wouldn’t find it at all unusual for him to say “I know the T&Cs say no Camelid based businesses, but that was because of Tom’s innate fear of Bactrian Camels, not Alpacas, and now he’s gone” and the board might say “ok, just for you Paul, but don’t tell any of your alpaca farming mates or they’ll all want one.” Rules are put into place for all manner of reasons, not just legal or regulatory, and sometimes for reasons that are entirely irrelevant later on, so exceptions can always be made.
1 Like
I honesty been looking at all my transactions to understand why me? I downloaded the history and printed everything (it’s bad but just wanted to check it properly - I’ll plant some trees) been going through page after page just to remind myself of everything.
I have not found a single transaction that would raise any alarm. Again, really tempted to post the history but I will refrain because of advice from others above.
I completley agree, it just feels more common here because i spend more time here. I dont go on MSE
2 Likes
What if you genuinely didn’t do anything wrong? Don’t get me wrong until few hours ago I would have said something along the same lines because it never happened to me and I never did anything wrong.
2 Likes
Ask the FCA 
. What was all that for,
If Tom Blomfield started money laundering using his Monzo Account it would get closed. That makes no sense. Why am i even replying to this
I don’t either, but when this was brought up one of the other times, I found loads of threads for all the banks to prove the point.
All the people that are so certain they are innocent, never come back with “I was right. Ombudsman found in my favour and I had done nothing wrong”. Funny that.
1 Like
The ombudsman cases i have read are always not upheld. Im not sure if thats because there was never any wrong doing or just because its in the Terms and Conditions. Who knows?
Because you haven’t understood it I assume.
You said if a co founder broke the terms and conditions their account would be closed. Something being against the terms and conditions doesn’t necessarily make it in any way illegal. It may just mean someone at Monzo HQ has decided they don’t want it. If that is the case then they can also decide to make an exception.
Possibly not, I think the point i am trying to make refers back to the OP explaining they were a Investor and early customer, my explanation was along the lines of it not mattering who you are?
But that is where your example didn’t work. Clearly there is no difference between a crowdfunding investor and any other customer but in terms of founders or investors it’s perfectly possible there’s one rule for them and one for us. If Passion Capital wanted all their banking with Monzo and ordinarily they wouldn’t be able I could quite imagine that if it was legally ok and insurers and such were ok with it, special dispensation would be made and a way would be found to do it, ditto co founders. I understood what you were trying to say, the example itself just didn’t really hold true as in life there is often one rule for the norms and another set entirely for those at the top of the tree.
Calm down sherlock, i think your looking into it a little bit too much. Jesus christ. @AlanDoe lets get this topic locked before @ysconhb spits out another cuppa tea
I’ll be closing the topic for now and if there’s much I can add I’ll make sure to do so tonight. 
6 Likes
Just for clarity on this subject, if you feel Monzo have made an incorrect action on your account you can email our team at help@monzo.com where we will then be able to take a closer look and either change the decision or confirm the stance we’ve already given.
Speculating that someone has “done something wrong/dodgy” isn’t going to help anyone in this scenario but I’d also reinforce the fact that we’re unable to access accounts over the Community so can’t reverse any decision on the Community itself.
9 Likes