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.
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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…?
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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 
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I’d like to report a bug.
Observed issue: Help button displays for a Liverpool fan
Expected behaviour: The user is banned
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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.
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I’m glad he did.
At the very least it’s sparked an interesting discourse, and provided some insight, and brought to light a few potential issues. And yes a bit of speculation thrown in too.
We now have a better understanding of the state of the chat button feature too, that the rollout is complete, and the change is intended to be a permanent one.
I get that you don’t like speculation, but it has its uses. It can raise questions, provoke thought, challenge perspectives and open your mind. Though it’s void of certainty, objectivity and fact, it’s a useful mental exercise, in my opinion.
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I don’t mind speculation but it’s funny how there’s never positive speculation isn’t it? 
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I would say that depends on what’s being discussed. For a lot of people I think the chat changes are negative, so it will naturally gravitate towards negative speculation.
If you recall that thread from the day before plus dropped. There was a ton of positive, and excited speculation. Monzo’s community was at its best that day.
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
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Exactly what Ian said. Probably a better summing up than I could give.
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I think you’ll find the dance-off was peak Monzo Community. 
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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.
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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 
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wouldn’t Monzo have to know those customers were vulnerable ie they would have had to identify themselves to Monzo to get the " feature" ???
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That’s right, and there are several ways we can identify that and in which customers can make us aware of that themselves. 
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I think you’ve misunderstood the point I’m trying to put across. I’m fully aware that Monzo switched to hiding the chat button but for some people it seems to be back.
I’m wondering this too. When we had the whole Plus card envelope debacle I definitely had to search for ‘contact’ to be able to speak to someone and get a new card ordered.
If I go to my app today the button is back, but judging from the posts here it’s not back for everyone. I’m not sure how long it’s been there, but I noticed it earlier in the week when I needed to speak to the team.
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Ive had this form in the app , and have had it for a long time , I dont think Im classed as a vulnerable customer - I think it works very well , starting at the search box " how can we help you " then scrolling down through a few FAQ screen ending up at the chat button
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Personally, I feel almost all of the FAQ should have the chat option.
At the moment, there are FAQ where I can select ‘No’ to if my question was answered and instead of being offered the chat function, I’m just told ‘Thanks for the Feedback’
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Just to add, when I tap the search box I also have a ‘I can’t find what I’m looking for button’. When you tap it chat opens immediately and Spotify starts playing Lionel Richie.
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