My understanding is when a transaction is flexed, your account is credited for total sum, minus the first instalment that’s automatically deducted. I don’t think it matters if your account is in credit or overdrawn.
A bit of an update to my case, I had a response from the specialist department who told me they are unable to refund my Flex payments, but dud point me in the right direction towards financial help from charities.
I am at the end of my tether, this is a second day in this process if you like where things have gone bad to worse. May as well just end it all, because I’m not good enough.
Aaron please reach out to the Samaritans to talk through how you are feeling. They will be able to listen and help you feel more positive about your next steps. I’ve been where you are, with £0 til payday, and I promise it will pass.
You can call them from your mobile for free on 116123.
Sorry to hear this hasn’t been resolved in the way you anticipated. You can ask the chat advisor to raise a complain, and our customer advocacy team will review everything that’s happened and let you know what the next steps are.
As mentioned above by @Stompy, if you do feel you need to discuss how you’re feeling, or just want someone to discuss this with, the Samaritans are absolutely amazing to deal with.
Their service is free from a landline or mobile, and their number doesn’t show up on your phone bill or anywhere else so it’s completely discreet, you don’t even need to give away your real name if you’d rather not.
There’s also a free chat room available to talk over messaging if you’d prefer:
hey buddy its hard i know and i can understand how you feel i suffer from clincial depression and when the black dog talks to you there is no shutting it up , as they have said you have your over draft to use just now , ok it will make things tiight for now , but you will get out of it , if you feel you cant talk to some one SHOUT have a free text service on 85258 , please speak to some one about this , there are so many people who would miss you from their lifes if you werent here
I’d second the speaking to someone as others have suggested.
I know it’s not always the most comfortable conversation to have but if there are any friends/family/colleagues who could lend you a little until payday, you might be surprised how much people want to help with little questioning.
Take care of yourself and remember that there are always always options available.
You’ve already received some very helpful advice to help you get through this situation for now so I won’t pile on to that.
I do have one thing to add though, which hasn’t been mentioned yet, that may be worth you exploring so Monzo can be better equipped to help you in such situations in the future. They have a fantastic vulnerable customers team, the one element of support they absolutely nail in my view.
You can reach out to this team in app by navigating to certain help articles. You can find instructions here. Be as open as you’re comfortable with.