My personal circumstances need not come into this thanks.
This is me commenting on the delay Monzo has compared to other organisations.
No mountain here just the facts!
With a bucket load of spin and personal narrative. This is a highly circular debate now so it’s time to either move on or close the topic down.
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Drew, judging by the number of my posts that are systematically flagged and removed, I can assure you that the oral crew don’t perceive me as particularly sympathetic to Monzo. But in this case even I have to say that you’re being too harsh on Monzo.
To be fair to Monzo, in the circumstances, they came up with an answer by the FCA deadline of the 14th April. Yes, later than some others but on time.
If you believe this so emphatically, may I ask why you think Monzo didn’t implement it sooner?
Using your opinion let’s flip this with faster payments- technically a faster payment would have met the payment conditions if it is successfully transferred by the end of the next banking day.
Would you be happy if Monzo did this with payments - no? as it’s by the deadline what could you have to complain about?
I get others points of you. Obviously people don’t have the ability to see others. Monzo did it just by the deadline and notified customers on deadline day or the day after.
I just see this as poor customer service.
Given all the talk from Tom in the past about being more than a bank I thought they would t leave things until the deadline?
I think that it is clear that you have no point to argue so are moving goalposts.
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Question 3 perhaps - but the others? 
This thread wrapped up nicely, right about then 
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Not any more.
This demonstrates something about the ‘engaged element’ of the Monzo customer base.
SCA implemented early = Complaints
FCA compliance at deadline = Complaints