Monzo Baking

Terry_Towelling

May I just say something on behalf of the 'self-important, flouncing, conspiracy theorists'? There are different ways of approaching a thread. You can take it at face-value and offer whatever assistance you can. Nothing wrong with that at all. Alternatively, you might have a more 'robust' approach, and that might extend to 'calling out' posters for seeming to have made stuff up. You don't see the 'robust' posters criticising the 'face-valuers' for their approach, so it is a little galling to see criticism levelled the other way.

Sometimes there are posts that are so obviously 'troll posts' and they are quite easily 'called out'. Sometimes they are a little more subtle, and sometimes it is impossible to say without some robust questioning to see if everything hangs together.

There are some aspects of a post that scream 'troll', but it wouldn't be appropriate to reveal all of these hallmarks lest our serial trolls (quite a few are from the same person with a different username) use this intelligence to adapt their approach.

In this thread the opening paragraph is just guff designed to enlist our sympathy/empathy - it's a smokescreen. And then we have the sentence:-

As soon as i did my monzo account was frozen, i appreciate this happens from time to time so carried on as normal expecting it to be sorted soon

What?! No one has this attitude to their bank account being frozen and, in general, it doesn't happen from 'time to time'.

Then this:-

I'm own a small marketing agency the employees a couple of people, i pay myself on invoice as a director and did so just before the most recent bank holiday in August

Nice bit of detail (largely irrelevant, with poor grammar and spelling) to get us sniffing in the right area. No one took the bait, so I asked how the employees were paid lest they get the same account-blocking problem - OP never answered. Why?

Anyway, as far as Monzo is concerned, they will have only seen bank transfers from one account to another, so all OP needed to say was that he made a transfer from his business account to his personal account (which seems, from his grammar, to be the way he always pays himself).

Banks don't close accounts for fun - they have reasons. If OP's activities have all been so innocent, why should this happen? Hence the need for robust questioning to see if there is anything else under the surface that might have caused it. Frankly, it doesn't look like it ever did happen and most of the information in the thread looks dubious.

If you don't like what I'm writing here, fine, but (to my mind) it doesn't make my approach any less valid that anyone else's

jonnygee2

@OP Monzo wrote a blog post about this https://monzo.com/blog/2019/04/04/why-we-block-freeze-close-monzo-accounts

Flobberchops

davidwatts wrote: »

Shocking that no one's done a gag about using your loaf, having fingers in lots of pies or having your cake and eating it given the thread title!

Evidently Monzo didn't knead OP's dough.

System

Terry_Towelling wrote: »

May I just say something on behalf of the 'self-important, flouncing, conspiracy theorists'? There are different ways of approaching a thread.

One of which is to say nothing. If you think a poster is a troll, or that the issue is fabricated, just ignore it and move on. Some posters on this forum are evidently far too self-opinionated to do that. Maybe they're trying to increment the number of posts they make, trying to elicit 'thanks' (usually from their circle of cronies) or are just compensating for other problems they have in their off-line lives.

johndavid29c

Im in the same boat, some of the replies here are shocking. People seem to think because it hasn't happened to them it doesn't happen. Hang your head in shame. Getting a kick out of kicking people who are already down

Terry_Towelling

scgf wrote: »

One of which is to say nothing. If you think a poster is a troll, or that the issue is fabricated, just ignore it and move on. Some posters on this forum are evidently far too self-opinionated to do that. Maybe they're trying to increment the number of posts they make, trying to elicit 'thanks' (usually from their circle of cronies) or are just compensating for other problems they have in their off-line lives.

Yes, that is an option, but who are you to dictate that we do this? Offering an opinion on something else is not being self-opinionated, or what you've said would be construed as self-opinionated. For you to have this opinion says more about how you view other people than it says about the way they view themselves.

System

Terry_Towelling wrote: »

Yes, that is an option, but who are you to dictate that we do this? Offering an opinion on something else is not being self-opinionated, or what you've said would be construed as self-opinionated. For you to have this opinion says more about how you view other people than it says about the way they view themselves.

There is a rump of posters on here who post things like that when faced with any real or perceived criticism. Their logic suggests that there should be no dissent because any criticism in the original post is re-used in an attempt to nullify the comments made by the dissenter and thus render it void. It's like the Monty Python contradiction sketch. They try and turn your comments back on you and clearly feel very clever in doing so. I say it as I see it, I'm sure you do too. There are a few people on here who have posts of well over 1,000 who think they rule the roost. I do indeed have a fairly low opinion of these people so of course what I say does indeed say a lot about how I view some other people.

Terry_Towelling

scgf wrote: »

There is a rump of posters on here who post things like that when faced with any real or perceived criticism. Their logic suggests that there should be no dissent because any criticism in the original post is re-used in an attempt to nullify the comments made by the dissenter and thus render it void. It's like the Monty Python contradiction sketch. They try and turn your comments back on you and clearly feel very clever in doing so. I say it as I see it, I'm sure you do too. There are a few people on here who have posts of well over 1,000 who think they rule the roost. I do indeed have a fairly low opinion of these people so of course what I say does indeed say a lot about how I view some other people.

Well, we are agreed then, aren't we?

Do be careful how you level your opinions of people on here. You perhaps need to distinguish between having a low opinion of the person and a low opinion of their approach, or what they write. You yourself have said that they may be compensating for something in their lives, so maybe they need your sympathy and non-judgemental Buddhist thinking rather than criticism - but it's up to you.

Do I mind being criticised? Well, I don't particularly like it (who does?), but it happens, and if it seems wrong, I'll probably 'have a go' back. I'm a perfectly normal person, but I do have an 'abnormal' life, so maybe I am compensating. To be honest, If I could have my old, normal life back, I'd not even be on here at all.

System

Point taken. You've given me cause to think.

antrobus

depressedworker wrote: »

.....
I'm own a small marketing agency the employees a couple of people, i pay myself on invoice as a director ....

I know it's not the question you're asking; but what do you mean by paying yourself 'on invoice' ? You should apply PAYE to your director's remuneration and report under RTI as with the other company employees.

P.S. Maybe the receipt of round sum payments from a Ltd bank account into a personal bank account is a red flag on the Monzo algorithm? I have no idea; it's merely speculation.