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Monzo Help - How to make a Section 75 claim on Monzo Flex
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href="/help/"><strong>Help</strong></a><span>/</span><a class="HelpBreadCrumbs_link__jG_t_" href="/help/monzo-flex/"><strong>Monzo Flex</strong></a><span>/</span><span class="HelpBreadCrumbs_link__jG_t_">How to make a Section 75 claim on Monzo Flex</span></nav></div></div><div class="Block_block__xuwlb Block_transparent__Rd3Yj Block_textLeft__uCVdg Block_paddingHorizontalMedium__4Hk68 Block_paddingVerticalMedium__AGKd3 Block_marginHorizontalAuto__3Oijt Block_marginVerticalNone__C1sx6"><div class="Block_contentContainer__SKVP7"><h1 class="Title_title__SEYIO Title_primary__ztUzQ Title_medium__PPW3f Title_left__yaXgz Title_addMargin___ly9N" id="how-to-make-a-section-75-claim-on-monzo-flex">How to make a Section 75 claim on Monzo Flex</h1><div class="DocumentMarkdown_DocumentMarkdown__9qnpk"><div class="Text_text__yIi78"><p><strong>How to claim from the Flex section:</strong></p></div><ol><li><div class="Text_text__yIi78"><p>go to the <strong>Flex</strong> feed</p></div></li><li><div class="Text_text__yIi78"><p>tap the transaction you're having issues with</p></div></li><li><div class="Text_text__yIi78"><p>scroll to the bottom to find the <strong>Something wrong? Get help</strong> button</p></div></li></ol><div class="Text_text__yIi78"><p>The transaction help screen will pop up and give you three choices:</p></div><ul><li><div class="Text_text__yIi78"><p>If you don’t recognise the transaction – Report Fraud</p></div></li><li><div class="Text_text__yIi78"><p>If you haven’t received the products or services you paid for – Dispute the Transaction</p></div></li><li><div class="Text_text__yIi78"><p>If you were overcharged, or expecting a refund – Dispute the Transaction</p></div></li></ul><div class="Text_text__yIi78"><p>We’ll ask that you reach out to the retailer and wait for two weeks for them to get back to you.</p></div><div class="Text_text__yIi78"><p>You’ll find more info in our <a href="https://monzo.com/help/legal-stuff/make-complaint-web">Making a complaint</a> help article.</p></div><div class="Text_text__yIi78"><p>And if you’ve got any other questions, reach out to us.</p></div></div></div></div><div class="Block_block__xuwlb Block_transparent__Rd3Yj Block_textLeft__uCVdg Block_paddingHorizontalMedium__4Hk68 Block_paddingVerticalMedium__AGKd3 Block_marginHorizontalAuto__3Oijt Block_marginVerticalNone__C1sx6"><div class="Block_contentContainer__SKVP7"><h3 class="Title_title__SEYIO Title_primary__ztUzQ Title_small__rAnKV Title_left__yaXgz Title_addMargin___ly9N" id="was-this-article-helpful">Was this article helpful?</h3><div class="article_helpfulOrNotButtonContainer__Dxk9q"><button class="Button_button__30ukX Button_fullWidth__L87a1 Button_secondary__X4hrj Button_center__53qAB" type="button"><span class="Button_text__d9Ltb">Yes</span></button><button class="Button_button__30ukX Button_fullWidth__L87a1 Button_secondary__X4hrj Button_center__53qAB" type="button"><span class="Button_text__d9Ltb">No</span></button></div></div></div></div></div><div class="article_articleListContainer__Xp1lY"><section class="Section_section__vMEm_ Section_secondary__EAXP9 stack Section_paddingleftmedium__A7mNG Section_paddingrightmedium__VmJd5"><div class="Section_contentContainer__AM_ay"><h3 class="Title_title__SEYIO Title_primary__ztUzQ Title_small__rAnKV Title_left__yaXgz Title_addMargin___ly9N" id="related-articles">Related articles</h3><ul class="HelpArticleList_articleList__8WTKM"><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/monzo-flex/editing-monzo-flex-monthly-payments/"><span>Editing your Monzo Flex monthly payments</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" alt="" loading="lazy"/></a></li><li><a class="HelpArticleList_article__ta2MN HelpArticleList_light__AsIE1" href="/help/monzo-flex/paying-extra-towards-a-monzo-flex-flex-purchase/"><span>Paying off extra and early with Flex</span><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_medium__7w8iY" src="/images/icons/light/chevron.forward.svg" aria-hidden="true" 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information</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" href="https://monzo.com/legal/privacy-notice/" rel="noopener noreferrer external"><span class="Button_text__d9Ltb">Privacy Notice</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" href="https://monzo.com/legal/cookie-notice/" rel="noopener noreferrer external"><span class="Button_text__d9Ltb">Cookie Notice</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" href="https://monzo.com/legal/browser-support-policy/" rel="noopener noreferrer external"><span class="Button_text__d9Ltb">Browser Support Policy</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" href="https://monzo.com/legal/mobile-operating-system-support-policy/" rel="noopener noreferrer external"><span class="Button_text__d9Ltb">Mobile Operating System Support Policy</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" rel="" href="https://monzo.com/information-about-current-account-services/"><span class="Button_text__d9Ltb">Information about our Personal Current Account Services</span></a></li><li><a class="Button_button__30ukX Button_forceDarkMode__3L1AP Button_link__Slw7D Button_left__P5ZhN" target="_self" rel="" href="https://monzo.com/service-information/"><span class="Button_text__d9Ltb">App and Open Banking Performance</span></a></li></ul></div><div class="Footer_appStore__Qt14F"><a aria-label="Download on the App Store" href="https://we83.adj.st/?adj_t=1hkze67b&adj_engagement_type=fallback_click&adj_redirect=https%3A%2F%2Fmonzo.com%2Fdownload" class="AppStoreButton_appStoreButton__dXRYU undefined undefined null "><img width="150" loading="lazy" src="https://images.ctfassets.net/ro61k101ee59/47R5HVs5mn8kaXIb4IgfMJ/678738cebf35e278307695136c1be015/Download_on_the_App_Store_Badge_US-UK_RGB_blk_092917.svg" alt=""/></a><a aria-label="Get it on Google Play" href="https://app.adjust.com/1h1d1pik?engagement_type=fallback_click&fallback=https%3A%2F%2Fmonzo.com%2Fdownload&redirect_macos=https%3A%2F%2Fmonzo.com%2Fdownload" class="AppStoreButton_playStoreButton__9Tg16 undefined undefined"><img width="191" loading="lazy" src="https://images.ctfassets.net/ro61k101ee59/hegpnNpXJdP4GkCOqHf5K/5a7d44685d8703460ca8db539f8401d5/google-play-badge.png" alt=""/></a></div><div class="Footer_social__VBPnO"><a class="Button_button__30ukX Button_link__Slw7D Button_center__53qAB Button_hasIcon__Ld0T9" target="_self" href="https://twitter.com/monzo" rel="noopener noreferrer external" aria-label="Twitter"><span aria-hidden="true"><span class="Button_iconWrapper__O6cIh"><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_large__iaiuX Icon_image__k9H8J" src="/images/social-logos/dark/twitter.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__30ukX Button_link__Slw7D Button_center__53qAB Button_hasIcon__Ld0T9" target="_self" href="https://www.instagram.com/monzo" rel="noopener noreferrer external" aria-label="Instagram"><span aria-hidden="true"><span class="Button_iconWrapper__O6cIh"><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_large__iaiuX Icon_image__k9H8J" src="/images/social-logos/dark/instagram.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__30ukX Button_link__Slw7D Button_center__53qAB Button_hasIcon__Ld0T9" target="_self" href="https://www.facebook.com/monzobank" rel="noopener noreferrer external" aria-label="Facebook"><span aria-hidden="true"><span class="Button_iconWrapper__O6cIh"><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_large__iaiuX Icon_image__k9H8J" src="/images/social-logos/dark/facebook.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__30ukX Button_link__Slw7D Button_center__53qAB Button_hasIcon__Ld0T9" target="_self" href="https://www.linkedin.com/company/monzo-bank" rel="noopener noreferrer external" aria-label="Linkedin"><span aria-hidden="true"><span class="Button_iconWrapper__O6cIh"><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_large__iaiuX Icon_image__k9H8J" src="/images/social-logos/dark/linkedin.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__30ukX Button_link__Slw7D Button_center__53qAB Button_hasIcon__Ld0T9" target="_self" href="https://www.youtube.com/monzobank" rel="noopener noreferrer external" aria-label="Youtube"><span aria-hidden="true"><span class="Button_iconWrapper__O6cIh"><img class="undefined Icon_icon__QfSMz Icon_transparent__PlIcz Icon_large__iaiuX Icon_image__k9H8J" src="/images/social-logos/dark/youtube.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a></div></footer><div class="Footer_copyrightNoticeContainer__EkNwP Footer_forceDarkMode__38lE_"><div class="Footer_copyrightNotice__zOafW"><div class="Text_text__yIi78 Text_forceDarkMode__2DDJQ Text_marginBottom__lTNIK"><p><strong>Existing customers can get help via the app</strong></p></div><div class="Text_text__yIi78 Text_forceDarkMode__2DDJQ Text_marginBottom__lTNIK"><p><small>Monzo Bank Limited is a company registered in England and Wales (No.09446231). Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our financial Services Register number is 730427. Our address is Broadwalk House, 5 Appold St, London EC2A 2AG.</small></p></div></div></div></div></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{"category":{"displayName":"Monzo Flex","webSlug":"monzo-flex","countryCodes":["GBR"]},"relatedArticles":[{"fields":{"platforms":[{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"editing-monzo-flex-monthly-payments","countryCodes":["GBR"],"availableInLocale":true,"question":"Editing your Monzo Flex monthly payments","answer":"You can edit your monthly payments at any time so all the control is in your hands. Here’s how:\n\n- Tap the __Home__ icon in the menu bar\n- Tap on the Flex card to see your Flex feed\n- Scroll down to ‘Payment settings’\n- Tap Edit instalments\n\nJust choose the purchase you want to edit and change the number of payments.\n\n__Things to keep in mind__\n\n- If you’re paying 0% interest and you switch to a longer instalment plan, we’ll charge interest at your personalised rate [here](https://monzo.com/-deeplinks/flex-credit-agreement). You also won’t be able to switch back to 0% interest as this benefit is linked to the monthly payment you originally chose. There's more on this in our help article about [interest rates on Flex](https://monzo.com/help/monzo-flex/interest-rates-for-monzo-flex-1)\n\n- If you choose 3, 6 or 12 monthly payments, you can switch to 24 monthly payments at any time to reduce your monthly payment to the minimum amount.\n\n- If you only pay the minimum each month, it’ll take you longer, and cost more, to pay off your Flex balance.\n\nNot keeping up with payments may negatively impact your credit score. Ts\u0026Cs apply. ","buttons":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"4duAcK6nJSaYK6aYcGmcWw","type":"Entry","createdAt":"2018-12-03T08:15:06.399Z","updatedAt":"2024-08-13T12:52:15.884Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":53,"revision":6,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpButton"}},"locale":"en"},"fields":{"internalDescription":"start-chat-button","uri":"monzo://support_chat?from=button-help-article","platforms":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"1UKSUTAqsgwo0EI44o4a2S","type":"Entry","createdAt":"2018-02-08T18:37:16.405Z","updatedAt":"2025-02-26T07:53:28.576Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":36,"revision":10,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"platform"}},"locale":"en"},"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"2xEqCSAqgICyYqAC0yEO6q","type":"Entry","createdAt":"2018-02-08T18:36:58.516Z","updatedAt":"2025-02-26T07:53:28.540Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":30,"revision":7,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"platform"}},"locale":"en"},"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}}],"buttonText":"Get in touch"}}],"rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"editing-monzo-flex-monthly-payments","excludeFromOutsourcing":false,"copLabel":"lending-eligibility","product":"retail","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"paying-extra-towards-a-monzo-flex-purchase","countryCodes":["GBR"],"availableInLocale":true,"question":"Paying off extra and early with Flex","answer":"You can pay early or extra with Flex whenever you want. Here’s how:\n\n1. tap the __Home__ icon in your app’s menu bar\n2. tap __Flex card__\n3. scroll to the __Payments section__\n\nHere you can choose to:\n\n- pay early: Make your normal monthly payment early\n- pay extra: Pay off extra towards a purchase.\n\nAnd we don’t charge any fees for this.","buttons":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"4duAcK6nJSaYK6aYcGmcWw","type":"Entry","createdAt":"2018-12-03T08:15:06.399Z","updatedAt":"2024-08-13T12:52:15.884Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":53,"revision":6,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpButton"}},"locale":"en"},"fields":{"internalDescription":"start-chat-button","uri":"monzo://support_chat?from=button-help-article","platforms":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"1UKSUTAqsgwo0EI44o4a2S","type":"Entry","createdAt":"2018-02-08T18:37:16.405Z","updatedAt":"2025-02-26T07:53:28.576Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":36,"revision":10,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"platform"}},"locale":"en"},"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"2xEqCSAqgICyYqAC0yEO6q","type":"Entry","createdAt":"2018-02-08T18:36:58.516Z","updatedAt":"2025-02-26T07:53:28.540Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":30,"revision":7,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"platform"}},"locale":"en"},"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}}],"buttonText":"Get in touch"}}],"rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"paying-extra-towards-a-monzo-flex-flex-purchase","excludeFromOutsourcing":false,"copLabel":"lending-eligibility","product":"retail","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}}],"id":"missing-a-monzo-flex-monthly-payment","countryCodes":["GBR"],"availableInLocale":true,"question":"Missing a Monzo Flex monthly payment","answer":"You can catch up with your monthly Monzo Flex Card payments in the app. We don’t charge extra fees if you’re late.\n\nWe’ll give you 7 days from the date of your missed payment to catch up. It’s important to pay right away if you can, otherwise it’ll affect your credit score. And you won’t be able to flex anything you buy while you’re behind.\n\nIf you haven’t caught up within 7 days, we’ll try to take a smaller amount (your minimum payment) by switching 3, 6 or 12 monthly payments to 24 monthly payments at 29% APR representative (variable). There's more on this in our help article about [interest rates on Flex](https://monzo.com/help/monzo-flex/interest-rates-for-monzo-flex-1).\n\nIf we still can’t take the payment, we’ll let the credit reference agencies know that you’re behind.\n\nUnless you’re on a monthly payment plan with 0% interest, we’ll still charge interest on your outstanding balance, minus the amount of your minimum payment, from your original payment date. \n\nIf you only pay the minimum each month, it’ll take you longer, and cost more, to pay off your Flex balance.\n\nIf we asked you for a deposit when you applied for Flex, you can use this to make your monthly payment. To do this:\n\n- Tap your Flex card \n- Tap catch up on missed payment \n- Choose if you would like to catch up on the missed payment or switch to minimum payment \n- Tap the toggle to use your deposit .\n\nRemember, if you use your deposit to make your monthly payment, you won’t be able to use Flex until you top your deposit up.\n\n__We’re here to help__\nIf you’re having money troubles or struggling with your repayments, it’s always best to get in touch with us so we can help.\n\nYou can also [get free and impartial advice from any of these charities](https://www.moneyhelper.org.uk/en/money-troubles/dealing-with-debt/use-our-debt-advice-locator). And anything you tell them stays between the two of you.","buttons":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"4duAcK6nJSaYK6aYcGmcWw","type":"Entry","createdAt":"2018-12-03T08:15:06.399Z","updatedAt":"2024-08-13T12:52:15.884Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":53,"revision":6,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpButton"}},"locale":"en"},"fields":{"internalDescription":"start-chat-button","uri":"monzo://support_chat?from=button-help-article","platforms":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"1UKSUTAqsgwo0EI44o4a2S","type":"Entry","createdAt":"2018-02-08T18:37:16.405Z","updatedAt":"2025-02-26T07:53:28.576Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":36,"revision":10,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"platform"}},"locale":"en"},"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"2xEqCSAqgICyYqAC0yEO6q","type":"Entry","createdAt":"2018-02-08T18:36:58.516Z","updatedAt":"2025-02-26T07:53:28.540Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":30,"revision":7,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"platform"}},"locale":"en"},"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}}],"buttonText":"Get in touch"}}],"rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"missing-a-monzo-flex-payment","excludeFromOutsourcing":false,"copLabel":"lending-eligibility","product":"retail","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}},{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}}],"id":"monzo-flex-and-section-75","countryCodes":["GBR"],"availableInLocale":true,"question":"Section 75 Protection and Monzo Flex","answer":"You get the same purchase protection for any purchases you flex that you’d usually get with Monzo.\n\nSo if you've got an issue with a transaction, we can try to get the money back from the retailer by [raising what's called a 'chargeback'](https://monzo.com/help/payments-troubleshooting/chargebacks-current-account \"raising what's called a 'chargeback'\") for you.\n\n__It's quick and easy to flag a problem with a transaction in the app__\n\nSimply go to the Flex feed and tap the transaction you’d like to report. Then scroll to the bottom where you’ll see in red text ‘Something wrong? Get help’. \n\n__You might be covered by Section 75 if you’ve used your Flex card__\n\nWhen you buy something with your Monzo Flex card, you might also be covered by Section 75 of the Consumer Credit Act 1974.\n\nThat’s as long as the goods or services you bought are between £100 and £30,000 and aren’t paid for through a third party or agent. (There’s more about this below.)\n\nSection 75 only applies to transactions made with your Monzo Flex card.\n\n__Under Section 75, both the credit provider and the retailer are responsible__\n\nUnder Section 75, the credit provider (that’s us in this case) and the retailer or supplier are jointly responsible if something goes wrong. \n\n__How Section 75 covers you__\n\nYou might be able to get a refund if the goods or services you’ve bought are:\n- faulty\n- not delivered \n- not fit for purpose, of satisfactory quality or as described.\n\n__Section 75 could also cover you if:__\n\n- the company you’ve bought from goes out of business before you get your goods or services \n- the description of the goods or services doesn’t represent what you actually received. \n\n__When can you claim__\n\nThere are a few things to bear in mind about Section 75.\n\n- The value of the goods or services must be between £100 and £30,000.\n- You must've purchased at least a part of the goods or services on your Flex card.\n- You’ll only be able to claim on purchases made for yourself (you can’t claim if you use your virtual card to pay for someone else’s purchase).\n- The company you pay for the goods or services must be the same who provides them (not a third party or agent).\n\nA good example of this is when you buy plane tickets. If you buy through a travel agent instead of an airline, then Section 75 might not apply if the flights are cancelled. This is because the payment you made was to a third party or agent and not to the supplier of the goods or services (the airline).\n\nAnother example is if you pay for something on a marketplace platform, like Amazon Marketplace. You might not be covered in this case as, although you’re buying through Amazon, you’re not actually paying the seller of the goods directly.\n\nSection 75 only protects you when you use your credit card directly to pay for goods or services, so things you’ve paid for by money transfer won’t be covered.\n","rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"monzo-flex-and-section-75","excludeFromOutsourcing":false,"copLabel":"lending-eligibility","product":"retail","isUrgent":false}},{"fields":{"platforms":[{"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}},{"fields":{"internalDescription":"Web (Desktop and Mobile)","platformId":"web"}}],"id":"How-do-refunds-work-in-Flex","countryCodes":["GBR"],"availableInLocale":true,"question":"How do refunds work for Monzo Flex","answer":"Refunds depend on how you used your Flex card – whether you paid with the card like normal or flexed a past transaction from up to 2 weeks ago.\n\nYou can [read more about the two ways to pay](https://monzo.com/help/monzo-flex/Two-ways-to-flex). \n\n__Refunds for a flexed Monzo current account transaction__\n\nIf you paid with your current account card and flexed it after, a refund will come back to your current account. You can use that refund to pay off the Flex monthly payment by paying extra or keep it in your current account and just pay off the remaining amount on your Flex payment date.\n\n__Refunds if you used Flex at the checkout__\n\nIf you paid with the card, the refund might come into your current account, but more often it will directly go towards paying off the purchase.\n\nIf the refund is for the full purchase amount, there will often be some left over which we’ll put back into your current account.\n\nSo, if you bought something for £30, flexed it over 3 monthly payments and then sent it back for a full refund, you’d see £20 of the refund paid off the purchase, and your first payment of £10 refunded to your current account.\n\nIf you’ve been told by the retailer that they’ve sent you a refund, it’s always worth checking the purchase to see if some of the balance has been paid off, and whether a smaller amount has come back to your current account at the same time.\n\nMost refunds will come back within a day or two but sometimes they can take up to 2 weeks, so it's always worth checking your flexed purchases and your current account.\n\nIf you receive a refund after closing your Flex account, we’ll put the money in your current account.","buttons":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"4duAcK6nJSaYK6aYcGmcWw","type":"Entry","createdAt":"2018-12-03T08:15:06.399Z","updatedAt":"2024-08-13T12:52:15.884Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":53,"revision":6,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpButton"}},"locale":"en"},"fields":{"internalDescription":"start-chat-button","uri":"monzo://support_chat?from=button-help-article","platforms":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"1UKSUTAqsgwo0EI44o4a2S","type":"Entry","createdAt":"2018-02-08T18:37:16.405Z","updatedAt":"2025-02-26T07:53:28.576Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":36,"revision":10,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"platform"}},"locale":"en"},"fields":{"internalDescription":"Android Current Account","platformId":"android_uk_retail"}},{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"2xEqCSAqgICyYqAC0yEO6q","type":"Entry","createdAt":"2018-02-08T18:36:58.516Z","updatedAt":"2025-02-26T07:53:28.540Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":30,"revision":7,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"platform"}},"locale":"en"},"fields":{"internalDescription":"iOS Current Account","platformId":"ios_uk_retail"}}],"buttonText":"Get in touch"}}],"rules":[{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"135w06l84nck"}},"id":"445MmwP7tYkke66kCk0Uuu","type":"Entry","createdAt":"2018-02-11T21:49:53.782Z","updatedAt":"2025-03-13T09:19:15.140Z","environment":{"sys":{"id":"master","type":"Link","linkType":"Environment"}},"publishedVersion":58,"revision":9,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"helpRule"}},"locale":"en"},"fields":{"internalDescription":"Base Browsing Content - Makes articles visible for ALL customers in search results / \"See our help categories\"","ruleId":"base-browsing-content"}}],"webSlug":"How-do-refunds-work-in-Flex","excludeFromOutsourcing":false,"copLabel":"lending-eligibility","product":"retail","isUrgent":false}}],"article":{"question":"How to make a Section 75 claim on Monzo Flex","answer":"__How to claim from the Flex section:__\n\n1. go to the __Flex__ feed \n2. tap the transaction you're having issues with \n3. scroll to the bottom to find the __Something wrong? Get help__ button\n\nThe transaction help screen will pop up and give you three choices:\n- If you don’t recognise the transaction – Report Fraud\n- If you haven’t received the products or services you paid for – Dispute the Transaction\n- If you were overcharged, or expecting a refund – Dispute the Transaction \n\nWe’ll ask that you reach out to the retailer and wait for two weeks for them to get back to you.\n\nYou’ll find more info in our [Making a complaint](https://monzo.com/help/legal-stuff/make-complaint-web) help article.\n\nAnd if you’ve got any other questions, reach out to us.\n","webSlug":"monzo-flex-and-section-75-claims"}},"__N_SSG":true},"page":"/help/[category]/[article]","query":{"category":"monzo-flex","article":"monzo-flex-and-section-75-claims"},"buildId":"x3FIn8fPDwKLiDGlMxA2H","isFallback":false,"gsp":true,"scriptLoader":[]}</script></body></html>