Having the same issue as a lot of other reviewers on here. Ordered my phone early September, cancelled it a week later & still waiting on my refund. Kept being told due to covid & staff shortages it would take longer than usual...... two dates that I was told refund would take place have passed without being refunded. Raised dispute early November to be told 12 weeks before this would be sorted...... & absolutely no help from Monzo as they say MasterCard set out their guidelines ........ but now I’m told it will be at least March 3rd now because QMF only accepted the dispute last week (the date they said they would pay me my refund). It’s not fair to be out £400 pound for something I never received, & that the card issuer isn’t doing more to help either.......... anyone any advice on what I can do next......anyone actually get their refund????