My one for the day has just gone through too, so looks like they’ve given the box a kick
Did the work to bring this processing in house complete? I remember it being mentioned as in progress, but cannot remember the outcome
My one for the day has just gone through too, so looks like they’ve given the box a kick
Did the work to bring this processing in house complete? I remember it being mentioned as in progress, but cannot remember the outcome
Same here, most of mine went in the early hours but I’ve just had some pings to say a couple have just gone out. In a year or so of having a Monzo account, this hasn’t happened before.
Ditto, one of my three has just gone (the mortgage which is the most important one!).
I’m sure the milkman and the water company will payments shouldn’t be too far along.
I think there could be some clearer messaging in the feed perhaps to reassure customers if a direct debit is just awaiting processing (more so when the delay is extended).
My two greyed out DD’s have just gone out so I agree someone has restarted something somewhere It was starting to worry a tiny bit!
If it’s any reassurance, I once had my mortgage DD go out 3 days late with no detrimental affect to me. There seemed to be understanding on the Nationwide end that issues with the DD process were not attributable to the customer. It was a nervous few days though.
Still waiting for my Sky Mobile one to go out.
The infuriating thing for me these days when these things happen, is the status page either doesn’t update to identify the issue or is very slow to do so after the fact.
Also, what happened to the in feed items they used to provide as a notification when something wasn’t working?
The most 3 recent major issues that seemed to affect most/all customers were never acknowledged via the status page or in app notification. The in app messaging for issues was one of the things that made Monzo special to me.
Is a Direct Debit not going out in the morning a big issue? So long as it goes out on the day (as mentioned above), it’s a non-issue. Sure, it’s a bit unsettling, but (maybe it’s just me) I’d just leave it for a few hours and know that there’s a 100% chance that Monzo are aware and working on it.
I find it unsettling as they normally go out before I wake up. My payments today were for insurance and I realllllly didn’t want something to go wrong and for the insurance company to claim I wasn’t covered. I also start to think of other possible issues like “wait, was the renewal due? Did I forget to renew it?” Etc etc.
If Monzo could have a little banner in the app to just highlight the known issue then I wouldn’t have worried as much.
Feeding this back Tom
I would say it is. Depends how complex your financial setup is though. Mine is very heavily automated and issues like this in the past with other banks have led to direct debits not being paid. Being charged bank fees, and having services temporarily cut off for something that was the banks fault.
I’m not expecting the service to work 100% of the time, that’s unrealistic. But when things like this break, I do expect it to be handled better. I only knew this was an issue by visiting here this morning.
It’s how companies respond when things go wrong that has the biggest impact on my experience. Respond well, you’ll earn my loyalty. Respond not so well, and I’ll explore other options that do. I just miss, and would have liked the in app messages when there’s an issue to tell me what’s happened. I shouldn’t have had to come here or chat to them to find out.
Thank you!
But whether it goes out at 6am or at 12:00 or at 13:00, it makes no difference - so long as it goes out before the arbitrary cut off that day, and you’re protected by the Direct Debit Guarantee, which (I believe), covers customers against these issues where it’s the bank’s fault.
Sure, if it’s not gone out by lunchtime, reach out, but if it’s not out by 6am? Nah, just chill a bit.
Still no reported issues on the status page: https://monzo.statuspage.io/
The back-end will be playing catch-up after the Bank Holiday break
So things like the direct debit guarantee definitely provide some reassurance.
Given that 99% of the time I’ve been conditioned to have seen all direct debits have gone out in the early hours of the morning when in this case that isn’t true, naturally it doesn’t “feel” right and there’s nothing immediately obvious to let me know that the direct debits will be processed. That’s why reaching out for that reassurance via support / Twitter etc. is important to help maintain trust.
Monzo offers some great products and I’ve never been in more financial control in my life thanks to things like bill pots etc. I continue to trust them and things like feedback on experiences like today are useful so they can keep improving (as the old saying goes “feedback is a gift”).
I wouldn’t say it was a big issue for me, but it certainly caused me worry. My car tax was scheduled for today and had it not left my account recently, I’d be worried whether I could drive still
I wasn’t really worried but I’m not sure if that’s because I didn’t notice and then saw people on here had the same issue so I knew it wasn’t just me.
I think a notification in the feed would as @N26throwaway said would have saved a lot of worry today. I dread to think how many people have contacted support this morning (I’d love to see the data here, the spike or whatever) because most people aren’t on here and they might be worried. There’s even multiple people in this thread that despite realising it’s not a big issue, it’s not just them and it’s only a few hours late, still contacted support. A notification would have got rid of a lot of this.
I think the problem is expectation. It’s always gone out in the middle of the night so when it doesn’t people worry.
Should there have been a status page update? No, because it was in the allowed time frame.
A notification in app? Yes, because it was out of the ordinary. Of course that depends how many people had the delay
Well, in my case of an SO going out ‘late’, it was my share of the joint bills – and it meant that the DD for our mortgage bounced because there wasn’t enough funds in the joint account. So it had a pretty annoying knock-on effect.
I’ve fixed this by shifting my bills SO to the last day of the previous month instead of the first (which itself is a ball ache because with Monzo you can only set up a ‘last day of the month’ recurring payment if you’re currently in a month that has 31 days – I had to set up a single scheduled payment for the 30th this month, and then monthly from July 31st!)
If I have learnt anything from my time on banking forums (mainly this place) it is that whatever they do will generate extra traffic to COps
No notification? Goes up
In-feed notification? Folk who never had an issue get worried and also contact, so still goes up
Push notification? Holy war!
I don’t envy them their choice
Can you retry direct debits on a joint account?
Yes - it was good that our joint account is a Monzo account as I was given the retry button once my SO had dragged its arse over.
Do other banks even have a retry button, or is that just a Monzo thing?