Situation: Bill payment got reverted back, and got fined for late transaction

[Tonymathew]

November 9: Paid 34471 to HDFC card from sbiunipay using idfc select dc. Received message nextvday morning. "Dear HDFC cardmember, 34471 credited to your cc ending with xxxxxx". However, I had not recieved. However, I did not recieve message from idfc about debit.

November 12: Due date

November 20: Recieved message : 'Payment of amount 34471 was reverted back. Kindly pay urgently". Checked the statement, the amount that was recieved was reverted. Went to unipay, the transaction was showing failed. Checked idfc account statement, no debit even occured.

Nov 20: Paid the bill again

Nov 22: New statement. Financial charge of Rs 1635.

*** So the situation, to make it simple, hdfc messages about credited amount. Then a week after the due date, I was messaged that the amount was reverted back. And I am forced to pay 1635.

The bank did not send a reminder of reversed payment, did not remind of the pending amount, neither on sms or via mail. The reversal was intimated on 20th only

N.B.: Will be paying this fine anyway, as I don't want tension.

Plan to tackle.
1) Going to visit Branch tomorrow
2) Message customer service.
3) PNO
4) RBI ombudsman, as final resort, if all other options are closed.

Now all those, who knows about these rules, suggest me whether I am liable to be fined, or was it banks mistake, which can be flight and won?

Update:
Plan 1 failed outright.
November 27- BM denied it has nothing to do with HDFC, as payment was done via 3rd party app (unipay). He was saying, the bounce might have been due to insufficient balance, which prompt the fine. Showed him statement, there was more than 1 lakh in idfc at the time. He told to mail him formally. So mailed him and moved to next level (plan 2 and 3).

Update 2
November 27- GST component of 294 added now.. so total is now 1929

Update 3 -*FINAL UPDATE*
Nov 28- within 24 hours of mailing as per plan 2, the entire amount of 1635 was reversed, leaving aside the GST component (the government is earning quiet a lot huh!!)

P.S: Special Thanks for some people, whose comment motivated me to pursue this to any extent, which was not needed, afterall. And to those who could not stop ROFL... 🥳🥳.

NOT EVERYONE are experts at faking INNOCENCE.. 🕺💃

 

[Aniket]

Na bhayya if its already paid then how can we repay the sane amount since we do not get option once its paid in full.

Here you go 🙂:

If you have SA, BM/IB is first preferred method.

2) To make payments through it:
Payee/Beneficiary Name: As per your Credit Card(CC) A/c
A/c No. : Your CC Number
A/c type, if asked: Credit Card
IFSC: HDFC0000128

HDFC Bank Credit Card Bill Payment

Now pay HDFC Bank Credit Card bills online from any bank account!

www.billdesk.com

Note: You will find disclaimer; please make the payment only to the extent of outstanding on your HDFC Bank Credit Card. It will be at the discretion of HDFC Bank to reject any payment made above the outstanding on your card.

Bharat Connect which was previously known as BBPS. Almost, all are using BBPS only after RBI's direction.

 

[akshayhs]

New fear unlocked.

 

[Aniket]

New fear unlocked.

5 log hain list mein abhi tak 🤣 dhire dhire jab problem aarahe tab bata rahe kuch directly kuch toh kuch indirectly 🤣

 

[Sudbht]

Here you go 🙂:

In this method we can pay even if its paid in full previously?

 

[Sudbht]

5 log hain list mein abhi tak 🤣 dhire dhire jab problem aarahe tab bata rahe kuch directly kuch toh kuch indirectly 🤣

So this is going on from long time?

 

[Aniket]

In this method we can pay even if its paid in full previously?

Hindi mein likhe the tabhi kya?😐

Ussi ka toh ans diye hain bro 🙂

YES! 🙄
But don't held us responsible later when unfortunately it will be returned for any reason.



Or else, better make some txn and then pay...

 

[VISHESH_BANSAL]

In this method we can pay even if its paid in full previously?

Try with Rs.1 if you have doubt.

 

[Sudbht]

Hindi mein likhe the tabhi kya?😐

Ussi ka toh ans diye hain bro 🙂

YES! 🙄

Okay got it. I thought its a preferable method to pay cc bills via mentioned methods🫡 Thanks. My cc due date was on 21st will try to pay it now to avoid further charges.

 

[Aniket]

Try with Rs.1 if you have doubt.

In this method we can pay even if its paid in full previously?

Better, you do imps transfer to my CC A/c, you will get to know after that, I will share the screenshot whether it's credited or not, even when there's no outstanding, the confirmation is okay for you now @Sudbht ? 🙂

 

[Strange]

HDFC Netbanking is preferred if you have savings Account with HDFC

Maine mobile app me HDFC CC ko as beneficiary add karna chaha par hua nahi. Ye apne cc ko add nahi karne dete. HDFC Netbanking me konsa option hai HDFC CC bill pay karna hai?

 

[Aniket]

Maine mobile app me HDFC CC ko as beneficiary add karna chaha par hua nahi. Ye apne cc ko add nahi karne dete. HDFC Netbanking me konsa option hai HDFC CC bill pay karna hai?

Directly pay karye na, apne hi SAs se kaun beneficiary add karke NEFT/IMPS karta hai?🤣

CC Summary section mein jake pay karye directly... 🙂

Or else go to card>credit card>credit card payment> choose your account...

 

[theflash]

November 9: Paid 34471 to HDFC card from sbiunipay using idfc select dc. Received message nextvday morning. "Dear HDFC cardmember, 34471 credited to your cc ending with xxxxxx". However, I had not recieved. However, I did not recieve message from idfc about debit.

November 12: Due date

November 20: Recieved message : 'Payment of amount 34471 was reverted back. Kindly pay urgently". Checked the statement, the amount that was recieved was reverted. Went to unipay, the transaction was showing failed. Checked idfc account statement, no debit even occured.

Nov 20: Paid the bill again

Nov 22: New statement. Financial charge of Rs 1635.

*** So the situation, to make it simple, hdfc messages about credited amount. Then a week after the due date, I was messaged that the amount was reverted back. And I am forced to pay 1635.

The bank did not send a reminder of reversed payment, did not remind of the pending amount, neither on sms or via mail. The reversal was intimated on 20th only

N.B.: Will be paying this fine anyway, as I don't want tension.

Plan to tackle.
1) Going to visit Branch tomorrow
2) Message customer service.
3) PNO
4) RBI ombudsman, as final resort, if all other options are closed.

Now all those, who knows about these rules, suggest me whether I am liable to be fined, or was it banks mistake, which can be flight and won?

Update:
Plan 1 failed outright.
BM denied it has nothing to do with HDFC, as payment was done via 3rd party app (unipay). He was saying, the bounce might have been due to insufficient balance, which prompt the fine. Showed him statement, there was more than 1 lakh in idfc at the time. He told to mail him formally. So will mail him and move to next level.

Update 2
GST component of 294 added now.. so total is now 1929

I guess that SBI Unipay uses 2 accounts primary to receive the amount from users and secondary account to pay the bill amount to bank/receiver. So what might've happened is payment was unsuccessful due to some bug or something wherein the amount wasn't debited but it showed a successful response to their backend which triggered a payment from secondary account to your card. While reconciliation they found the error and may have contacted receiver bank and they initiated a refund for the same. This is just an assumption reading your situation and it could be false.

 

[Tonymathew]

Final Update - within 24 hours of mailing as per plan 2, the entire amount of 1635 was reversed, leaving aside the GST component