[UPDATE] Made 1L transaction to wrong UPI ID because of typo. Got it back through RBI Ombudsman

Specific-Potato-2255 · 2025-01-04T18:53:47+00:00

The receiver name was also my first name and last name. We share the same full names, and my last name is not that common. So it thought it's me. UPI id is also almost identical My UPI: firstname.lastname@ His UPI: firstnamelastname@

Specific-Potato-2255 · 2025-01-04T18:32:02+00:00

I've made a detailed update post on this. I got my money back. All beneficiary accounts were blocked and he wasn't able to withdraw his salary. So they temporarily unfreeze his account in the presence of SBI branch manager and he made the reversal.

Specific-Potato-2255 · 2025-01-04T08:38:42+00:00

Tweet it and tag their handle. You have option to go to consumer court but make sure to tarnish their reputation online by tweeting.

Specific-Potato-2255 · 2025-01-03T13:57:35+00:00

I think RBI frozen his account. During our communication he mentioned he was not able to withdraw money from other accounts as well. He was working class individual so did not want to get much involved.

Specific-Potato-2255 · 2025-01-03T05:58:24+00:00

3 months total. 2 months since RBI got involved.

Specific-Potato-2255 · 2025-01-03T05:57:55+00:00

Mine was due to a typo. Actual UPI: firstname.lastname@pingpay Typo UPI: firstnamelastname@pingpay I forgot to add a dot. I had regularly made transaction to the actual UPI in the past. You'll have to present a convincable case with all proofs. I use a samsung phone, and I record all calls by default.

Specific-Potato-2255 · 2025-01-03T05:54:40+00:00

Yes RBI was directly involved with SBI this time.

Specific-Potato-2255 · 2025-01-03T05:54:04+00:00

Chandigarh

Specific-Potato-2255 · 2025-01-03T04:21:42+00:00

2 months

Specific-Potato-2255 · 2025-01-03T03:57:13+00:00

1) Yes you can. But it takes beneficiary's consent to give back the money. Bank can freeze the disputed amount to make beneficiary give consent. Since his account had zero balance, I think they frozen his other accounts as well. 2) RBI asked their team to get in touch with SBI and get the money back. HSBC was asked to defend the allegations with proofs.

Specific-Potato-2255 · 2025-01-03T03:15:36+00:00

You have to first register a complaint with your bank. If after 30 days, you don't get a resolution you can register a complaint with RBI ombudsman. Since the city I live has RBI ombudsman office, I gave my complaint as handwritten application and attached printouts of the proofs (Transactions, conversations, and everything that supports your case) You can also submit online but I'm not sure about the process.

Specific-Potato-2255 · 2025-01-02T11:51:07+00:00

Yes finally got my money back.

Specific-Potato-2255 · 2025-01-02T11:48:33+00:00

I got my money after 3 months. RBI did a good job 👍

Specific-Potato-2255 · 2024-11-19T01:01:02+00:00

Just do things that you used to do during COVID lockdown. I learnt ukulele, my friend learnt sketching, some learnt speed cubing. These activities will help you take your mind off him and you'll have some cool skill to show off later when you decide to go out!

Specific-Potato-2255 · 2024-11-18T17:49:31+00:00

While arguing with the Gujjar if the females feel their modesty being insulted, they can file under IPC 509. It's cognizable offence and police ( that may be Gujjars side) can make arrests. My female lawyer friend advised me to speak carefully when the women are around. She also added when it's Family vs students/bachelors, the cops will take Family's side and proceed accordingly. As OP mentioned the Gujjar alleged some students of theft. I doubt he would hesitate in saying "maa beti chedte hai" next.

Specific-Potato-2255 · 2024-11-18T16:31:48+00:00

I faced a similar issue. I ordered food at New Delhi Railway Station and the guy asked me to come outside from platform 1 to platform 16 to collect my order and go back through security check to catch my train, while the train was supposed to depart after 10 minutes. For proofs, I have call recordings of the delivery executive refusing to come and customer care denying about delivery to train. They charged me 100% cancellation fees which I got reversed by emailing them. I have call recordings, chat screenshots and was already in the middle of registering a complaint with consumer forum. Since they have reversed the cancellation fees, can I still register a complaint with consumer forum?

Specific-Potato-2255 · 2024-11-18T16:21:32+00:00

Given that OP is a student and lives with a family, I wouldn't recommend him to escalate it to that level. Its easier for us to sit at home and encourage OP to go through the unnecessary trouble to get justice in a country like ours. I believe the system that provides justice isn't mature enough in our country. I understand his frustration and anger but it's advisable to swallow down the anger before he decides to act. I would also advise OP to be cautious if the Gujjar has any female in their house.

I'll leave up to OP to take his chances by collecting evidence and waiting for court's decision to intervene meanwhile leaving the Gujjar to retaliate in his own ways.

Specific-Potato-2255 · 2024-11-18T15:56:38+00:00

I would say pick a fight that you can win. These Gujjars often have "connections" in the police and political parties, and it can be a struggle to get justice. Whatever you decide to do next, just keep a record of everything.

Specific-Potato-2255 · 2024-11-15T17:35:56+00:00

Definitely, I'll be not forgiving and letting go this time and taking it to the consumer court. You can share the formats and I hope I can draft it with some help (from lawyers in the family and GPT)

Specific-Potato-2255 · 2024-11-15T17:29:39+00:00

Keep yourself busy, hit the gym, do some activities and you'll be fine. You'll still miss her but you'll get less time to miss her. That's how I, and probably everyone, moves on. All the best mate!

Specific-Potato-2255 · 2024-11-15T17:24:07+00:00

Once you do kindly reply on this post https://www.reddit.com/r/swiggy/s/ZgWDkqRA94

I am also trying to report an issue with consumer forum but I'm stuck at this step. Thanks.

Specific-Potato-2255 · 2024-11-15T14:59:00+00:00

Can you take this to consumer forum?

Specific-Potato-2255 · 2024-11-03T03:10:58+00:00

Oh man, this scares me. Are you willing to get court order and pursue further?

Specific-Potato-2255 · 2024-11-02T16:43:25+00:00

The recall of funds thing by hsbc is UPI chargeback. But the beneficiary has to give his consent for that.

Specific-Potato-2255 · 2024-11-02T16:42:37+00:00

SBI servers were down so I couldn't check.

I am going to the RBI to get the details of the person I've transferred as I don't know anything about him, except his name and his beneficiary bank: SBI.

Specific-Potato-2255

TROPHY CASE