GST Not reversed on reversal of fee

[bimanpaul]

I had purchased a phone on no cost EMI in 2022 but had to cancel the order immediately due to wrong delivery address.
Processing fee of Rs 199 + 36(GST) was charged for EMI conversion. But as the order was cancelled, I requested them to revert the processing fee.
To my surprise, processing fee was reversed but GST was not reversed. I wrote to customer care(L1 support) and they replied saying GST will not be reversed under any circumstances and it is mentioned in terms & condition document. Yes, this is still there in terms & condition document.
When I checked with finance ministry (GST) and they confirmed that if charges are reversed GST should be reversed.

Then, I wrote to L2 support & then to nodal officers but they reiterated the same reply of L1 support. Finally, I complaint to RBI Banking Ombudsman and they reverted GST. It took 4 months.

I am sure RBI must have received such complaint multiple times yet I see RBI is not directing HDFC to update their terms & conditions document.

Please refer Page 7 of attached HDFC Credit Card MITC.

 

[brightknight]

credit note is proof that bank has deposited gst amount to the government
i asked kotak for the same and they took INTERNAL APPROVAL for reversal of GST

okay. thanks.

BTW can you shed some light upon my scenario? would it be reported as Late payment in my cibil?

 

[Deleted member 11974]

it wont as there is 3 days grace period given
also if hdfc has reported late
you can ask them to get it rectified

 

[bimanpaul]

credit note is proof that bank has deposited gst amount to the government
i asked kotak for the same and they took INTERNAL APPROVAL for reversal of GST

I am not sure if credit note is the right word. However, we can seek proof that GST is deposited and won't be adjusted in future.

 

[Deleted member 11974]

I WROTE THAT IN THE EMAIL AND THEY REVERSED IT

 

[Ziggyler]

A twitter thread to Get GST reversal

How this works ?