I know, that’s what I said.
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I know. What I mean is, just because it worked for someone else doesn’t mean it would work here, I know you are not saying that 
Unless we do, as was the case in the one where the decision was overturned, and may also be the case if OP comes back with more transparency.
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So I checked the message again and noticed something, my message says they are closing my joint account with the wife, her message says they are closing her current account, joint account and kids accounts so it seems it is just her affected.
In response to some of the comments above, yes we both reside in the UK and probably spend too much money in Greggs 
Interesting about the comment about too many chargebacks and the wife said she had done a few lately for orders she placed on DH Gate she had issues with so maybe this is the reason why. We will drop Monzo a message to see what can be done.
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Ding ding. We have a winner!
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Mystery solved then.
Most probably nothing.
Your wife will have to find a new bank, and you might be able to set the kids accounts up on Monzo yourself. But no clue on that.
Good luck 