Because the reason stated in the partial quote I used was “We only removed overdrafts for users who aren’t currently using their overdraft, or have ever used it in the past.”
Just because you’re not using a product doesn’t mean you should lose access to said product
That’s not the only reason though is it? 
it was a combination of that & this -
I think your missing what people’s issue with this is. Of course Monzo have the right and a moral responsibility to cancel the overdraft if there are new facts which determine the user is no longer eligble or might be in financial difficulty etc. We are just saying they should give people more notice of the changes even though they dont have too, they should
Yes thanks for re-quoting. The point is none of that helps if a customer was relying on the overdraft in the next few days and now it’s gone. All the chatting in the world won’t change the fact they had a £1000 buffer to cover emergencies and now they don’t.
So Rich,
If your blurb says ,"Once you’ve chosen your limits, we’ll ask you to read, understand and accept an overdraft agreement.
It confirms the amount of your overdraft, how much we’ll charge, and how you can cancel. It also explains that overdrafts are repayable “on demand”, meaning we could ask you to repay your overdraft immediately at any time, although we usually give you 30 days." Why are you not giving these users that 30 days???
I think I misunderstood that the overdraft was removed due to both a change in credit rating AND not using it were taken into effect here. Sorry!
However in that case, unless the person has suddenly had a credit blackhole and is a danger to themselves notice should still be given in advance.
Because they’re not asking users to repay anything.
No worries.
I’ve asked why Monzo doesn’t give notice 
I think you are missing the point. Whether Monzo have a ‘right’ to cancel overdrafts at a whim (which they do obviously), it would be decent and proper to give users a period of notice, particularly if they have never used it, as it won’t even cross their mind that it’ll be taken away.
Fully agree and I am gobsmacked by what happened. If you haven’t used an overdraft in 6 months or a year, it only means you had no need to use it.
Taking it away together with an oportunity to have a safety buffer when you might need it, is outright hostile in my opinion.
Does it mean that I need to keep using my Monzo overdraft and pay overdraft charges to be assured my overdraft will stay in place?
To be fair, I also didn’t quite take in the credit agency reference at first either - It seemed like “oh… you aren’t using it? We’ll have that back now… thanks”.
If there is a genuine reason due to a change in credit reporting, then fair enough!
Like others have said, the only unanswered question is the timescales of it.
I’d also be interested to know if anyone has had their overdraft removed, and their credit history hasn’t changed at all?
Without triggering @anon44204028 I have to say this is another example of Monzo’s bizarre attitude to overdrafts. I have over £900 in my account spread across the pots and main account (of which £600 is just sitting there for Xmas gifts etc),but would still be charged an overdraft fee if I went over my £20 main account buffer. It’s absolutely ludicrous. Alongside the possibility of losing an overdraft at a moments notice, this reflects rather badly on this aspect of the bank.
An overdraft is not the right way to pay for repairs/refurbishment/etc! This is presumably the kind of behaviour Monzo want to discourage. There are less expensive lines of credit for significant work like this.
If you give people a month’s notice, what if they then go £1,000 into their overdraft in that month and get themselves into a situation where they can’t pay it back? Remember, Monzo are only removing the overdraft where they are concerned that it would put the person in too difficult a financial situation.
I agree some notice (e.g. a couple of days) would be better, but I think a month is far too long for someone not using their overdraft, who is now considered a lending risk.
What’s an overdraft? The corner shop won’t even let me tick me a loaf till Friday 
Are you deliberately not reading the part where Monzo say they have found some new data in the credit report that changes their circumstance?
Whether you use the overdraft or not is a null point.
It has been taken away because of a change indicated in the credit report not due to the fact it wasn’t used.
The fact it was never used was why there was no notice as it does not look like it will cause financial difficulty.
If it will then they can chat in app
Another fall-out from this obvious mistake is that if you need to reapply for an overdraft in a few months, you will get hard credit check on your credit file. Totally unnecessary move by Monzo.
New data is being added continously to my report. If I am not told what data will affect my ability to hold and use Monzo overdraft, then I will have to ask. Just like I did above.
To be honest, surely removing an overdraft unused and a person’s credit history might of changed Is a sign of responsible lending. If someone’s already showing they are late on payments and could do without added chargers sounds proactive not reaction.
But what do I know? I’m in debt so ain’t in a place to comment !
Folks, generally if a thread gets auto-closed due to a huge amount of flags, it’s a sign that things have gotten a little too far, so this one will remain closed whilst we investigate.