This is how bad it has got. Good Evening Please be advised that this email, all attachments and content has been copied and sent by physical recorded delivery to the FCA and The Financial Ombudsman. It will also be used a an evidence disclosure in a claim for compensation should Monese Finance Limited not make reasonable amends in respect of compensation for the failures detailed below. Time Line of Events 24th June Following various compliance requests i submitted further details of transactions, details of source funds, customers, products - Monese claim not to have received - however based on their continued failures to respond i now question this. 25th June The above information was resent as requested. 2nd July - locked out of the account 12th July I requested the account be closed as not able to operate - NO RESPONSE 13th July - Re sent request to close account - NO RESPONSE 15th July - Chased Account Closure - NO RESPONSE 17th July - Chased Account Closure - NO RESPONSE 20th July - 07:12 Monese email to say they have decided to close my account - request acc details for transfer 07:48 Details supplied and noted that I had already requested account closure 12th July 08:51 Monese confirm receiving account details - Payment 7-10 Days 31st July Email sent to chase up payment and provide proof transfer was made (as has seen many social media posts that Monese not returning funds) and request od daily goodwill payment of £100 if copy of transfer can not be provided - NO RESPONSE 31st July - Sent end of day Chase Up on earlier Email - NO RESPONSE 4th August Sent Chase up - NO response 5th August - Call timed out 3 times 6th August - Call timed our 2 times 3rd time answered - someone from compliance will call 7th August - 07:17 Informed payment had bounced back - New detailed requested 13:50 Alternative Account Detailed Provided 14:13 Monese confirm new details received and 7-10 days for payment. 7th August Re requested copy of transfer to prove that it was made and bounce back had happened - NO RESPONSE 12th August - Follow up as no response to previous Email request for copy of bounced transfer - NO RESPONSE 17th August - Follow up email - NO RESPONSE 18th August - Follow Up Email - NO RESPONSE 19th August - Follow Up Email - NO RESPONSE 20th August - Follow Up Email - NO RESPONSE 21st August - Follow Up Email - copied to FCA and Ombudsman (FCA and Ombudsman Confirm receipt) Monese - NO RESPONSE 22nd Augiust FCA confirm details back 25th August Follow Up Email - NO RESPONSE 26th August - Monesse email saying that due to a recalled payment that the account was now going to be closed etc etc and payment would be made within 28days! 26th August - I responded highlighting that the charge back was because I could not refund the customer as the funds had been held, I was unable to fulfil the order and as the original funds had been held I could not buy stock and also not be sure who had paid. I believe that the above is a true and accurate chronology of events and clearly demonstrates that Monese's actions have been unreasonable. They have not responded to any of the reasonable requests made to answer why they have not provided a copy of the transfer that bounced, and then have not made the transfer to the alternate account. They have at no stage called me to try and resolve the matter either. Monese I demand my money is paid less the charge back within 48hrs - the charge back should also not be registered against my name or company as it is a direct result of your negligence. I attach copy of a proof of account in my name from Pre Pay Solutions to confirm that the bank details provided 7th August are correct. Furthermore I demand £100 per day compensation from either the expiry of the first 10 day period 31st July if you can provide proof that you made the transfer. If you can not then from 10 days after I requested the account to be closed being the 22nd July 2020. I reserve all rights to claim statutory interest on the principle sum from the date of the account closure request 12th June 2020. I await your urgent response