Financial activity often leads to errors, among which incorrectly sent funds remain one of the most common problems. Thanks to the improvement of the service of modern banks, most companies in such a situation meet the client halfway, offering to return funds through remote banking services. Such a solution allows you to correct the situation by receiving your own funds back without wasting extra time.
It covers such points as drawing up a letter of return and transferring the letter to the counterparty. Useful material will allow you to quickly figure out how to eliminate the negative effects of the situation that has arisen.
Contacting the bank in case of an incorrect transfer
It is not difficult to guess that first of all you need to contact the bank whose services the client used for the transfer. For the bank, an incorrect transfer is not an error, which the client should also remember. All steps to complete the transaction are performed as required. For this reason, the bank accepts the payment for processing and tries to complete the transaction as quickly as possible. At the same time, the bank can provide the client with documents indicating that the payment was actually made.
What Rospotrebnadzor can check
If a problem is detected in a timely manner, you should act in this way - inform the bank about the error and ask them to carry out the procedure for canceling the payment.Modern banks value their customers, so they fulfill the request if little time has passed from sending the money to detecting a problem.
Otherwise, when the payment has already been made, you must obtain a statement of the transaction. Next, you should contact the organization that received the money by mistake. To contact the recipient, use the formal letter form to request a quick refund. To do this, you need to indicate the details by which the recipient of the money can transfer it back. It is better to duplicate the message by email and to the phone. The requirement to return funds to the current account is legal and it is guaranteed to the citizen by Article 1102 of the Code of the Russian Federation. If the counterparty needs additional time, do not panic. If after a reasonable period of time the return is not made, then legal action should be taken.
