Just to follow up on , the ONLY thing that I can think of is I had a fraud on my Monzo account a few years ago (card details were compromised somehow - possibly a website breach?) resulting in a dodgy couple of transactions for about £200 which is documented here:
TL:DR - chargeback refused; I challenged; I won. Monzo will have likely got this back from the merchant so no net loss to them.
, the ONLY thing that I can think of is I had a fraud on my Monzo account a few years ago (card details were compromised somehow - possibly a website breach?) resulting in a dodgy couple of transactions for about £200 which is documented here: