Several ‘We want to improve JA’s’ comments from peeps here over the last few years. But no timescales. And no further comments. The apparently increasing cases of ‘Computer says no’ for JA applications.
Where there’s smoke n’all. I would REALLY like to have that niggle removed.
All said & done - still no alternative to the JA as it stands, but please put some development into it.
Can’t get used to your new pic revels lol but I like it. On topic, can’t see why any bank would stop joint accounts but a version 2.0 of monzo joint accounts sound good.
I think there must be, I got rejected, both myself andy partner have credit score @960+, we are both on a good wage, neither of us has any credit card debt or any best for that matter other than the mortgage and that has only around 30% of the property value left to pay, if they are rejecting everyone then surely they should remove the apply for a joint account option from the menu.
Unsure if I could be correct saying this (so if I’m wrong please tell me and I’ll remove it) but how do you know it’s you that’s the issue and not the person you are creating the joint account with that is forcing it to get rejected?
Keep up the way off mark speculation about them getting wound down. Staff are regularly saying that they have people working on making these accounts better, they wouldn’t be working on this if the plug was getting pulled. Still also see plenty evidence of people coming along saying they’ve just applied for a JA and got one.
Just because someone comes along saying they’ve been declined doesn’t mean something is been wound down.
Careful with the context there, “wound down” isn’t in my posts.
Jumped on my posts for the bits you don’t like, not the whole balanced personal opinion.
But then again, I’m obvs whipping people up to keep a spotlight on something that should be better. And it’s clearly working, so I’ll keep it up.
She also is at the top of her credit score, great wage, no debt etc etc etc.
I’m ok with the decision of they would let us know why so we can make the necessary changes, all we are after is a central location for our money life, which I believe is what Tom’s goal was way back in the day.
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I also got my parents to apply for a joint account, they are I’d imagine even less of a risk than me, they are retired, no debt, no mortgage etc etc etc…
Doesn’t really make sense, though does it? If both are eligible to hold Monzo accounts on their own what possible additional risk does Monzo take on by them holding a joint account?