You are far more patient than a lot of us would be! What is stopping you from just sticking with another bank? Have you checked all your credit files and submitted a SAR to CIFAS? I checked all my credit data and submitted a SAR to CIFAS which came back all clear. I knew it would come back all clear, but Monzo’s decline message mentions they use credit data and CIFAS data, so wanted to make sure there wasn’t any errors in the data somewhere. It might be an idea for you to do something similar? There has got to be something that keeps tripping the decline for you.
On that basis, I just conclude this bank don’t want me a customer, which they’re completely entitled to do so and nobody is automatically entitled to a bank account. I don’t know if it’s a case of them toughening up their customer acceptance policies, or if it’s an issue from when I had an account before, and the data wasn’t completely wiped when I asked to sign up again as I did use the CASS. I’m not going to keep at them though and beg them, as I’ve got set up elsewhere and it’s entirely Monzo’s prerogative who they want to offer accounts too.
I just don’t understand why with you, you’ve applied 5 times and they’ve had you do it that many times either. That’s either a clear failure of technology or a clear indicator they don’t want you as a customer. If you desperately want a fintech and mobile bank, have you tried Starling Bank?