I tried opening a Monzo account recently, only to have the application denied.
I was told to contact CIFAS, which I don’t understand, as I don’t believe I have a marker there anymore.
I have however submitted a Data Subject Access request, to check.
(I had a Cat.6 for a short period of time, as my elderly grandmother paid me for foodshopping, then reported the payment as fraudulent when she forgot what it was for. I was assured by her bank, HSBC, that it had been removed)
I also contacted Monzo by email, but they have informed me that they are unable to comment on account denials.
As well as this potential marker, my address given and the one on my driving license do not match, as I have recently moved (this is now being updated!)
I also have a low credit score due to a friend using my debit card/overdraft for a shopping spree back in uni, and me being unable to get, or pay the roughly £3k back…
Would Monzo refuse a basic account, with no lending or overdraft features, for any of these reasons?
Has anyone got an account, having been in a similar situation?