The bank will tell you the details of the procedure - call the hotline and describe everything that happened to the specialist in detail. Try to prepare information that will allow you to quickly identify the payment: at what time, to what details, how it was made. The specialist will check the data provided and tell you how to act in the current situation.
How events may develop:
Money is written off as payment for goods or services - the bank can try to issue a chargeback. Sometimes this will require you to provide a set of documents that will confirm your case - for example, a copy of the claim to the store, checks, receipts, various conclusions and much more. Usually, bank support specialists are interested in solving the client's problem. Therefore, they will tell you what documents you can use as evidence.
Money transferred to third parties on your initiative - here everything tongliao mobile number database is much more complicated. You can contact the bank. But most likely, it will not be able to initiate a chargeback. By confirming the transfer, you agree with the correctness of the entered data and the bank carries out the transaction. How to return the money in this situation? Sometimes you have to contact the bank that issued the recipient's card. Here they ask you to write a statement and attach a receipt that confirms the fact of the transfer. After that, the bank contacts the recipient. Only with his consent can it return the erroneous transfer.
It is important to understand that the bank is not all-powerful. If you sent funds to a person, not an organization, then it is almost impossible to make a return payment solely on your initiative. How to return the transferred money in this situation? Contact the recipient's bank and hope that the latter confirms the erroneous receipt. If not, the only option left is to go to court. The exception is fraudulent actions. If you were forced to make a transfer, you should contact law enforcement agencies as soon as possible.
Can you sue if the recipient refuses to return the money?
Not all recipients of erroneous transfers agree to return funds to their owners. A court can force a person to do this - the situation has signs of unjust enrichment.
How to return money transferred to an individual's card if he refuses to send it back voluntarily:
Prepare a statement of claim and a set of documents confirming your right. Do not forget to attach the application to the bank that issued the recipient's card - your copy should have a mark of acceptance.
Send the application and documents to the court - to the magistrate's court if the transfer amount is less than 50 thousand rubles, or to the city court if you sent more.
Participate in the court hearing, state your position and present evidence.
Since the defendant is unknown, the data of the bank issuing his card can be indicated in the claim as the defendant. The court will have to request information from the latter about the person who received the transfer, and then involve him in the consideration of the case.
Please note that the practice is ambiguous – unjust enrichment can be proven only in some cases. How to return money to the card in this situation? File an appeal. Court proceedings are rarely simple. But there is still a chance of success.