SBI deducting EMI for cancelled product

83°
Post Emperor
dark.demon

Hi All,

I purchased an item on Amazon on Oct 8  on EMI (amount rs 15223.90 ) 

and then I canceled that product and repurchased the same item at the amount (RS 14993.08) on EMI ( this is a valid EMI and the order is received )

now as my card limit was very low so I paid around 30000 rs (excess amount ) before ordering the item a second time. 
due to this, I did not pay much attention to statements in Nov 2023, Dec 2023, Jan 2024 but now when I saw all of a sudden two entries for EMI and then quickly confirmed in Nov 2023 (two EMI) I am shocked .

please guide me on how to approach this now. 

image

here is a 

image

screenshot showing the Oct 2023 transaction for the two orders  

1. Green color highlights the first EMI transaction of RS 15223.90 done on AMAZON. (D)
2. The magenta color highlights the Second EMI transaction of RS 14993.08 done on AMAZON. (D)

3. The yellow color highlights the refund received for FIRST EMI as the order was canceled. (C)

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Deal Lieutenant Deal Lieutenant
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image

Post Emperor Post Emperor
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Moye moye sob

Beacon Beacon
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EMIs need to be cancelled manually by calling customer care even if you cancel the order. Call customer care and ask them to cancel EMI and subsequently refund the generated EMI amount.  

Post Emperor Post Emperor
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Ohhh..
I ordered and cancelled the order within 12 hours..
And got the refund .. then for which thing they are going to charge emi ( no item against that emi )
I am understanding the logic ..is this legal ..
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Helpful Helpful
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while writing a request through email and twitter, seek in a clarification way, why & for what purpose the emi is running when the transaction itself is being cancelled and refunded by the merchant.Depending to their reply you can proceed with next step.

Post Emperor Post Emperor
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Ok..I just wrote to the pno team let's see..

Benevolent Benevolent
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Ongoing emis are mentioned in the the statement bill. You didn't notice?

Post Emperor Post Emperor
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I generally don't see statements..payment done in advance ,I always view history/transaction once in 90/120 days..

Post Emperor Post Emperor
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Update:

They reversed the charges , cancelled the EMi

And converted the card to LTF

replyuser
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