BOB has charged interest despite paying on time

[DealHunter786]

Thanks all for the inputs..

Sent an email to BOB CRM on 20th.. no response yet and the TAT mentioned in the email is 5 working days. So no option other than to wait. I have paid the Aug bill amount now. Since there is still outstanding amount, it allows me to pay more now. Can I go ahead and pay that reversed duplicate credit amount only or pay Interest + GST along with the reversed duplicate credit amount while I wait?

 

[NAB]

Thanks all for the inputs..

Sent an email to BOB CRM on 20th.. no response yet and the TAT mentioned in the email is 5 working days. So no option other than to wait. I have paid the Aug bill amount now. Since there is still outstanding amount, it allows me to pay more now. Can I go ahead and pay that reversed duplicate credit amount only or pay Interest + GST along with the reversed duplicate credit amount while I wait?

Make full payment including all. And keep fighting for the refund.
If you will do the partial payment, situation will get worse.

 

[aam.aadmi]

Thanks all for the inputs..

Sent an email to BOB CRM on 20th.. no response yet and the TAT mentioned in the email is 5 working days. So no option other than to wait. I have paid the Aug bill amount now. Since there is still outstanding amount, it allows me to pay more now. Can I go ahead and pay that reversed duplicate credit amount only or pay Interest + GST along with the reversed duplicate credit amount while I wait?

Pay the dues minus the interest or late payment fees and ask for card closure with no dues certificate

 

[DealHunter786]

Pay the dues minus the interest or late payment fees and ask for card closure with no dues certificate

I don’t want to close the card though

 

[DealHunter786]

Make full payment including all. And keep fighting for the refund.
If you will do the partial payment, situation will get worse.

Even before the bill generation right?

 

[NAB]

Even before the bill generation right?

Yes, they are calculating the interest on the whole amount anyways.

 

[DealHunter786]

Yes, they are calculating the interest on the whole amount anyways.

Ok I have paid the dues including interest and GST to avoid complications. Now have to fight with them and ask for a refund..

 

[DealHunter786]

BOB is giving me a dhoka by sending this ambiguous email response without clarification on the interest charged. I'm considering waiting until the next statement and taking it up to the RBI Ombudsman.

 

[NAB]

BOB is giving me a dhoka by sending this ambiguous email response without clarification on the interest charged. I'm considering waiting until the next statement and taking it up to the RBI Ombudsman.

View attachment 66631

It would help if you asked them again for the reversal, as it's their fault.

 

[DealHunter786]

It would help if you asked them again for the reversal, as it's their fault.

Yeah replied asking the reason for the interest. Also mentioned that I would go to RBI ombudsman if this is their final decision.

 

[dileep]

BBPS payments are almost instant, so if you are not seeing any unsettled transactions in BoB app and no SMS was sent by BoB, then yes, it has failed.

The amount is usually settled and shown under transactions in 2 days, so you may chose to wait as well unless due date is not close.

As expected 1st payment credited after 4 days I paid twice now account is -38k is there any way to get back that to bank account from bob card

 

[_amit_]

As expected 1st payment credited after 4 days I paid twice now account is -38k is there any way to get back that to bank account from bob card

If its actually twice and not a glitch, you have to email them to get it back if you do not have bob account.

They will ask where to credit the extra amount so you have to share the account details.

 

[DealHunter786]

Thanks all.. the charges have been reversed.

 

[peregrine0falcon]

Since we are discussing this BOB thing, I tried paying for BOB by HDFC debit card 3 months back and it failed and BOB mailed that dues have been cleared but I knew it wasn’t, so, I paid again using net banking and now from last 2 statements its just says -1960 (overpaid). I am not using that card now and waiting to see how long will it take for BOB to fix this mistake.

 

[RupayMan]

Since we are discussing this BOB thing, I tried paying for BOB by HDFC debit card 3 months back and it failed and BOB mailed that dues have been cleared but I knew it wasn’t, so, I paid again using net banking and now from last 2 statements its just says -1960 (overpaid). I am not using that card now and waiting to see how long will it take for BOB to fix this mistake.

Hope you checked the hdfc debit statement for any charges after it got failed.

 

[peregrine0falcon]

Hope you checked the hdfc debit statement for any charges after it got failed.

Oh yes I did multiple times and its all good. I usually pay bills the same night they get generated (paranoid by nature).

 

[_amit_]

Thanks all.. the charges have been reversed.

Which email and content changed their mind?

This might come in handy as they probably will do the same in future with someone

 

[DealHunter786]

Which email and content changed their mind?

This might come in handy as they probably will do the same in future with someone

Multiple follow ups to crm, nodal officer & pno. I don't know what exactly worked 🙂

 

[DealHunter786]

Since we are discussing this BOB thing, I tried paying for BOB by HDFC debit card 3 months back and it failed and BOB mailed that dues have been cleared but I knew it wasn’t, so, I paid again using net banking and now from last 2 statements its just says -1960 (overpaid). I am not using that card now and waiting to see how long will it take for BOB to fix this mistake.

Is the credit for the failed payment reflected in the BOB statement? in my case, they corrected after around 50 days.

 

[peregrine0falcon]

Is the credit for the failed payment reflected in the BOB statement? in my case, they corrected after around 50 days.

Yes it says paid 1960 2 times. Well 50days have passed so let’s see. First payment never loaded the otp page so HDFC failed it instantly and no deductions were even made.