Thank you all for your responses, amazing the concern and support provided by the Monzo community, I wish that support from the bank was as efficient and supportive.
@StuartK appreaciate your knowledge and would accept that as a valid responce from the vendor or Monzo, if that were the case I would have simply requested/or expected Monzo to make me aware of this when the issue was raised nearly a year ago now. That being said, (not that you can change this) surely if we are moving with the times and technology progresses this needs to be recognised, i now don’t use a high street bank and even when I did I haven’t received bank statements via snail mail for about 8 years. I don’t get any utility bills through the post, council tax bills, phone bills or any other dragonious method of delivery to prove my address details(not within 3 months anyhow, February I will receive my council tax ransom/bill for the year)
And that being said, I can provide my bank statements downloaded in a much more secure way than being posted and passed through numerous hands before potentially being received by me (only use Starling & Monzo) to get £x00,000 mortgage or to provide documents needed for a DBS check but for address verification for a (again wait for it as this makes another mockery) an Online only vendor, no physical footprint of stores anywhere.
Now surely that is ironic?
I shouldn’t even be waisting mine, the people reading this, or more importantly Monzo customer support staffs time. Chargeback is a process recognised by Visa and MasterCard to provide support and assurance that the consumer has an opportunity to right any wrong doing by any individual or company that denies access/responsibility/failure to provide the services that were paid for in good faith prior to receiving said services.
Monzo will not lose out in terms of momentary value, that being said they are unlikely to lose brand, custom, confidence or face by not supporting the ones that are backing them to make a difference but they should really follow through with what they apparently stand for… banking with a difference and personal touch.
I can tell you now that NatWest, HSBC, Santander, Barclays, Metro, Nationwide, Lloyds any legacy bank would have supported their customer first them looked to recover funds from the vendor.
Maybe challenger banks aren’t the way to go, all these features, bells and whistles don’t actually matter if they aren’t prepared to provide the support that we as customers expect from our banks.
I might be one of only a few to experience this, although there are many other posts saying the same thing, maybe it’s due to not actually knowing the process or rules to support, maybe it’s just too much hassle to support customers when they have so much code to write, maybe it’s just because they actually don’t care about doing the right thing by the customer regardless.
Maybe challenger/high street/online banks are actually all the same as the banking mongruls all have made out about retail bankers