It doesn’t allow quoting of the whole post. But I apologise if you think I’ve taken your position out of context, it wasn’t my intention
I disagree with any barrier to contacting customer services at any company.
I like to speak to people, some people don’t .
Ian, with respect, Monzo should have a) lawyers they run these changes past before implementing them as part of their due diligence - I know the organisations I work for always have and b) take these considerations into account when designing/thinking about a product or change.
It shouldn’t be for customers to point this out and legal obligations are not one of those things which should fall into the ‘we will do it and change it if anyone complains’ development model.
It reminds me of the time the earlier Monzo Plus team announced they planned to introduce a lottery for metal cards - until I and @Rat_au_van mentioned their were specific laws that needed to be met for such things - and no one ever heard of the proposal again.
Edit: besides if the FCA believe Monzo is in breach of their TCF principles, I suspect they would get a rap on their knuckles for doing it in the first place, even if they corrected it later. The FCA takes those principles very seriously
me too and thats the only way this will be answered , its all very well Monzo being accused of breaching rules on the forum without Monzo defending their position , if they are in breach they should change the function , not sure whether you need to be affected by it to complain about it , but from some of the posts here , some forum posters are affected by this …open an official complaint and lets see their answer
and running it past their legal team presumably informed their decision , we are assuming lots here , and that doesnt mean its defensible in court or at the ombudsman, if they are in fact in breach of the rules
There’s an assumption here that Monzo hasn’t done just that. I’ve said before that I disagree with the hiding of the chat button, but I’d find it difficult to accept that Monzo hadn’t at least thought it through and taken legal considerations into account.
I have a chat button at the bottom of my help page always have been a user since October 2016 used support twice in those nearly 4 yrs
I bet Dan is really glad he said something!
but we love speculation on the forum …
Yes, as you and @anon95680666 state there are assumptions being made but Monzo’s history doesn’t necessarily fill me with confidence that they have taken these issues into account.
So we’re down to making up stories based on assumptions? Again?
It’s either an issue or it’s not. None of us know. So either raise it formally and find out or don’t but rumours and whispers growing in momentum with each repeat are just pointless.
Hmmm. What’s the point of the forum again…?
I am quite happy for you to make an official complaint - not that you need my permission of course … - and see what the Monzo official answer is to the difficult to find - for some - chat function…is it discriminatory or breach any FCA rules ??? I dont know, and maybe put this assumption to bed one way or the other 
I’d like to report a bug.
Observed issue: Help button displays for a Liverpool fan
Expected behaviour: The user is banned
I would actually like to thank @Dan5 for taking part in this forum and contributing when so many other staff don’t - and for doing so in his own time etc.
If only Monzo had more staff willing to do the same.
I don’t mind speculation but it’s funny how there’s never positive speculation isn’t it? 
it can be informative of course , it can also be destructive, a potential issue has been raised about the possibility of Monzo being in breach of FCA rules and potentially equalities rules, if that alleged issue is not resolved it becomes yet another possibly unfounded stick to beat Monzo with - maybe on this issue they need beating …I would hope not , as a regulated UK bank, now I dont have the issue , Im not going to complain , several posters have said how much the issue affects them , one of them should officially complain and let us know the outcome from the Monzo perspective
Exactly what Ian said. Probably a better summing up than I could give.
I think you’ll find the dance-off was peak Monzo Community. 
I think that’s the crux of it for me.
There can absolutely be speculation over whether Monzo takes legal advice on its features. I’d find it mindbogglingly uncomputable should Monzo not be doing that.
But the fundamental is that legal advice or not, should someone think that something isn’t legal then it needs to be tested in court or by the competent authority. Otherwise I worry that we’re in the territory of making unfounded and unsubstantiated slurs.
I am, it might not always be received positively, and I’m happy people have a whole range of views.
Ultimately when @simonb mentioned a few months ago we were making difficult decisions which would make some people unhappy - this is one of those. The vast majority of people don’t have the chat button access on the help tab - they have it on relevant help pages instead. Some groups (and I don’t know what those are - but I believe one of them is customers who are classed as vulnerable for example) still have the help button.
I appreciate all the feedback about help articles and I’m happy to feedback any specific examples of help pages which people feel could do with reworking or should have the chat button which don’t.
We are moving towards self-serve as much as possible and you’ll see more of this coming 
wouldn’t Monzo have to know those customers were vulnerable ie they would have had to identify themselves to Monzo to get the " feature" ???