I didn’t know the re-try thing existed!
I searched to try and about the timings mentioned above and found (old) threads talking about how Monzo try too early (2am), and try again too early (2pm) but nothing about a manual retry. That’s a clever feature.
I think this is the problem, with a lot of people, there are mixed messages being (rightly/wrongly) given around money management. People are told to be really wary about money going out their account unexpected, and so as a result people treat anything to do with money with the utmost importance. Maybe it’s just my mind that doesn’t add as much importance to it, compared to others. But it’s a fair point that maybe some communication or notification in the app may help.
But car tax doesn’t expire till the end of the month? 
I think “Notification” is the wrong term, there should be a banner in the app (for people with a DD that day), but not a push notification to people.
Yeah, I meant banner
You’ve got a few days yet…
Source: Vehicle tax Direct Debit payments: If a Direct Debit payment fails - GOV.UK
Most payments are executed between midnight and 3 am 
If payment is not in place on time, it may deliver a wrong message to a Landlord. Nothing is pushy here 
It’s possible that the reason there hasn’t been a notification from Monzo is that it may not a) be a problem in their systems - the BACs system itself may be backlogged or having problems and b) The transactions are still “within time” (before the traditional “close of business”) and so it isn’t technically a problem or delay. It could be that lots of other banks are suffering the same, but since Monzo is one of the few to give their customers “instant” notifications we notice it more rather than the banks who update once a day (or “mislead” by saying the DD has been confirmed left when it hasn’t: I believe that once Monzo has sent the notification to BACs that they “accept the charge” BACs then sends back a notification saying “Thanks, payment transferred” and if that latter one doesn’t make it to Monzo quickly, that’s what causes the apparent delay).
Is that poor dog lost? Or do dogs deliver the payments at 3? 
I think if a landlord is up checking their account at 3am, or if they’re upset if the payment comes in at a later time, their tenants should look to move out ASAP s as it’s a big red flag 
Hopefully no Roombas involved this time
Maybe that’s what BACS secretly stands for, BordA CollieS
In the olden days, anything that wasn’t operating normally received an in app banner, including problems that arose outside of their systems that still impacted them and their customers.
If the App tells my direct debit is being taken at 3am and it’s still there, greyed out and yet to be claimed by 10am, that’s indicative of a problem to me, regardless of whether or not it’s still within time
I recall a few years back when faster payments were not arriving instantly, but were delayed by several minutes. They were still within time, but we got a status page update and in app banner for that issue. Monzo have set a much higher standard than what we received today, and I think we should still hold them that. It’s one of the most crucial aspects about them that make them better than other banks.
It doesn’t tell you it’s taken at a time, it tells you it’s taken on a date
This is the kind of post that flagging is for.
I don’t think that’s quite right.
Overnight payments have been delayed (many times) for me, and haven’t (ever?) been alerted in the app or on the status page.
I’m not saying that that’s right, but I’d rather Monzo just fixed the underlying problem, rather than spend their energy on status alerts (note that I’m not saying dispense with them - they’re important and should be doubled down on!).
More generally, I’d expect these transactions to happen at a specific time, on the dot. I need to be able to trust that standing orders (in particular) happen at a specific time, otherwise bad things can happen in my financial set up. Indeed, I’d be keen for standing orders to come with a time as well as a date, but I might be getting ahead of myself there…
My bad! I’d never clicked into it to see, just always look at the feed and see the date.
Yes, at least NatWest do, it doesn’t even need triggering. If the funds are not present to allow the DD to go through first thing they try again at 3 p.m, and if I remember correctly sometime before midnight before the DD is bounced.
That sounds about right to me, but I don’t recall there ever being an incident that resulted in direct debits being delayed this significantly either (with Monzo).
I don’t think a banner is warranted if a payment scheduled for 3AM isn’t taken until about 5am.
I think they should dispel of a fixed time in place for something more general, because to me they’ve always felt like more or less like guidelines anyway, so I’m used to payments not being taken on time, but fairly shortly after.
I think when folks are used to waking up to their direct debits being taken, and they’re still pending 7 hours after they were due to be debited, then it’s an issue that perhaps warrants a little extra explaining from the bank, in my opinion.
Yep, making a rod for their own back when a batch process doesn’t work correctly and clear by the time specified.
Putting a time up just means everyone’s going to flood them with support requests. In the rare times a process runs late, you’ve not then got this DD saying yeah but I should have been cleared by 3am
