Family psychology 

What to do if there are errors in transferring money between bank accounts. Euroset payments

Online transfers in Internet banks are quite convenient. They can be done at any time needed, without wasting time going to the bank office. To make a payment, it is enough to have a current account or card from which the debit will be made, and also to know all the details of the recipient of the funds.

If the recipient is serviced by the same bank, then it is enough to indicate his account for receipt. If the recipient's account is in another bank, then you will have to fill in all the data: BIC, INN, KPP, correspondent account, account, name of the bank and recipient. If you make a mistake, even in one digit, the money may not arrive or may be stuck in your accounts until clarification. This will require a subsequent contact with the bank to adjust the payment.

Sending transfers via Internet banking.

Why did the payment not reach the recipient?

In case of errors or technical failures, payments may not reach their addressee. There may be several reasons for this:

  • The details are incorrect. Payment information should be double-checked several times to avoid errors. The lack of even one digit entails difficulties in correctly delivering the translation. In most cases, a payment sent using incorrect details is returned to the sender, and in the transaction history the payment status will appear as “Not executed” or “Returned”. Sometimes money is returned not to the account from which the transfer would have been made, but to the “On demand” account or to the “Unidentified amounts”. In this case, bank employees contact the client and ask to make adjustments to the payment or return the money to the account. Money can also get stuck in the recipient bank's accounts. For example, the details of the account and its owner do not match. In this case, the amount will be sent to the sending bank, or the money will “hang” until a request is received about the fate of the payment.
  • Technical failure. Unfortunately, banking programs are still far from perfect and tend to freeze at the wrong moment. For example, at the time of sending the system crashed, and the money simply went to the wrong place or ended up in another bank account. Technical glitches are short-lived and usually everything is fixed fairly quickly. If the payment has not been received and the money has been debited from the sender’s account, then you need to write an application to search for the payment.
  • There is not enough money to send. This happens when the sender has not calculated the amount taking into account the commission. Most often, this becomes clear at the sending stage, and the system displays an error that there are not enough funds to complete the transfer.

Thus, when sending a transfer, it is worth monitoring the payment history and waiting for the transfer status to change to “Executed”. If the money has left the account but has not reached the recipient, then you should start looking for it.

When should you worry about payment non-delivery?

The transfer delivery time depends on many factors: which bank the money is sent to, in what currency, what amount, etc. If the payment amount exceeds 600 tr, then under 115-FZ the bank has the right to demand documents on the basis of which this payment is made, for example, a sales or gift agreement. Until these documents are provided, payment may be blocked.

Transfers within the bank take place within one day. Exception: payments made late may be processed the next day. Transfers outside the bank take longer (up to 3-5 business days). This depends on the speed at which money is credited to interbank accounts. For example, if a payment is made late on Friday evening, it may not be processed until Monday morning. As a result, the translation delivery time extends to a week.

Thus, if the transfer was not delivered within the bank within 1-2 days, and via interbank within 3 business days, then you should start looking for where it went.

How to look for a lost payment?

To search for a lost payment, you will need to write an application to the bank, indicating the date, amounts, and data for sending. Based on the application, the bank will begin to look for the missing payment first in its accounts, and then will make a request to the receiving bank. The sender can independently contact the bank where the payment was made and clarify whether it was received into the accounts at all. If the payment is really “stuck” on uncleared accounts, then you will need to make an official request and write an application to adjust the payment.

You can also submit a payment request via the hotline. The support service staff will forward the request to the responsible department for the execution of the client’s request.

To avoid confusion, the search steps will be as follows:

  • When you receive a message from the recipient that the transfer has not arrived, you need to come to the bank and submit an application to search for payment (if employees are unwilling to accept this application, it is worth recalling clause 2.14 of the 383-Regulations).
  • No later than 24 hours, the bank is obliged to send a notification about the possibility or impossibility of withdrawing the payment and affix a stamp on the application to accept the application for processing.
  • If the transfer is “successful”, then the bank gives a written response that the money has been debited from its accounts. But if the transfer does not reach the recipient, then the bank must contact its counterparty and make a request about the receipt or non-receipt of money into the account. If the money is credited to the specified account correctly, then the recipient of the funds is “cunning”, and if the transfer was actually not credited using the specified details, then the bank is obliged to find the transfer and return the money to the sender’s account.

How long does it take for the transfer to be returned?

If the money has not been transferred to another bank, the amount is credited back to the client’s account within 1-3 business days. If the amount is transferred to accounts for clarification, then taking into account interbank requests, the return period may extend to a month. This is especially true for transfers abroad.

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Euroset payments

I took out a phone loan from Tinkoff Bank through the Euroset, one payment was made, then I received an email about payments being issued and then I discovered that in the document this is my old registration, where I have not lived for two years and this house no longer exists, what to do?

Hello! The debt can be collected in court. There is no element of fraud if at the time of submitting the application you provided correct information and made at least one payment.

It's not clear what your problem is? This does not affect your obligation to repay the loan in any way. Make all payments on time and you won't have any problems.

Help me figure out the Euroset. I paid the loan through Euroset. The Euroset employee did not process the payment and quit her job that same day. Now I'm overdue and there are penalties. What to do? It is possible to prove and compensate for damage from Euroset.

Oleg, good afternoon! Proof is only possible if you have a cash receipt from Euroset (this is a quick option). Everything is simple here: write an application and receive money or ask for it to be transferred to your account according to the original payment purpose. A longer option in the absence of a check (and it is not a fact that it will lead to the result you need) is to write an application to Euroset, in which you outline the situation and submit this application in person. There is a VERY weak hope that your visit to the Euroset salon, communication with the manager who accepted the money from you, and the FACT OF YOU TRANSFERING THE MONEY was recorded by CCTV cameras. In that case, you can try to resolve this issue. And I think that it is better for Euroset to solve it positively than to bear reputational risks. I will say right away that they will need time to conduct an internal check. But I repeat once again, it is not a fact that you will be able to resolve this issue positively in the absence of a cash receipt.

I paid for the loan through the Euroset salon on March 11, today I received an SMS from Zolotaya Korona: “Your loan payment has been returned by transfer 294572.” I called to clarify what this means. They said that the money was being returned. My wife called the bank (the loan was issued to her) to clarify the situation, they explained that the recipient’s name was spelled incorrectly, that is, the operator at the cash register made a mistake and indicated the recipient’s name incorrectly. During this time, 2 thousand penalties accrued. Who can I write a claim to and who will compensate me for the losses I have incurred? Give me some advice.

Good evening! File a claim against Euroset, you can file a claim for damages against this organization. All the best!

And who can have a claim if you yourself spelled the recipient’s name incorrectly? The Salon and the Bank acted in accordance with the law.

To pay or not to pay to Aimani Bank? I came to pay as usual in the Euroset, they told me the payment did not go through, I called Expobank from where I received a letter about the rights, but earlier I received a letter from Aymani Bank that the rights were transferred to Orange Bank, and this is what they answered at Expo Bank, pay through the Golden payment system Crown or Rosselkhoz Bank. I was there and the payment didn’t go through, I called Exapo again and they told me to pay through Sberbank online to some account. I gave my passport and bank details directly to Sberbank, where they told me that the account was wrong and they didn’t even take a commission, what should I do?

Alexander, you need to contact the bank that issued you the loan and find out what details you currently need to use to make the payment. If they don’t give you a clear answer, don’t pay, let them go to court.

I paid the loan through Euroset. In the Euronetwork, the payment went through, but the bank says that there is no money because of this, they counted the delay, the operator is habalit and doesn’t really explain anything, he says that he is not obligated to look for where the money went missing, what to do.

Understand the bank. If the operator does not answer, ask to call a senior manager or department head

Hello, Svetlana! Contact Euroset with a written claim and a demand for compensation for losses on penalties that the bank where you have the loan charged you.

When paying the loan to Euroset, the bank's BIC was indicated incorrectly, which I noticed only after 2 days. What to do and what to do?

return to Euroset and receive the transfer back. Having mixed up the bank's BIC - you sent money to another bank, but using your details, therefore the money there will not be able to find the correct account and will return back to the Euronetwork

Euroset lost the payment, because of this the bank charged interest on the late payment. What will the lawsuit be called to force them to pay that interest to the bank?

About compensation for damage.

The question is this. The mandatory payment date is May 23, I paid through Euroset on May 20, because... All bank branches in the city were closed. The payment arrived on May 24 and I was charged a fine of 1,000 rubles for overdue debt. Is this legal? The card expired a year ago, they won’t send me a new card by mail, I can’t check my balance, and it’s not very convenient to call each time. Maybe not pay such a bank at all? You pay on time, but still there are late payments and fines.

Hello! Illegal of course. File a complaint with the State Central Bank of your subject

A loan was taken out from Trust Bank. On May 6 I made a payment through Euroset. There is a certificate from Euroset that the money was transferred to the bank, but it did not arrive in the account. Today is write-off day. Starting tomorrow, the bank threatens fines...

what is the question?

We paid for the loan through Euroset, but the payments did not go through. The bank said that the money had not been received and recommended contacting Euroset to clarify the situation. But another problem is that a briefcase with documents was stolen, including receipts from Euroset. We contacted Euroset, they replied that it was not possible to restore the checks, and it was also impossible to find the payment without a check. Tell me what to do in this situation!?

Hello Yes, according to the terms of the contract there are overdue dates

Hello! Unfortunately, we can only hope that there is a briefcase with documents.

An erroneous cash payment was made through the Euroset branch to a Beeline mobile number.

The amount is not small.

There is a Euroset sales receipt.

Will I get my money back?

File a complaint with the operator; if it doesn’t return, tell them to go to court.

Loan in Russian standard 40 thousand rubles. The last payment on 01/08/16 was made on 01/06, through Euroset, there is a receipt. Now (a month and a half later) they call, they say the payment is overdue, it only arrived on January 11, and at the moment the fine is already 1,400 rubles.

Courts usually significantly reduce interest rates, penalties, and fines. If it comes to court, you can send an Application to the Court asking for a deferment or installment plan; if the court refuses, you can try to resolve this issue with the bailiffs. It is advisable to repay the principal debt whenever possible. Neither bankers, nor, especially, collectors can force you to pay, they have no authority, and if they threaten, extort, insult, then based on the fact of threats, extortion, etc., you can file a complaint with the Police or the Prosecutor's Office. Officials of the Federal Bailiff Service of Russia (Bailiffs) can enforce the Court's decision, and this is still far away, but if it comes to court, they can not seize all the property in accordance with Article 446 of the Civil Procedure Code of the Russian Federation. For information: Article 14.8 of the Code of the Russian Federation on Administrative Offences. Violation of other consumer rights 1. Violation of the consumer’s right to receive necessary and reliable information about the product (work, service) being sold, about the manufacturer, about the seller, about the performer and about the mode of their work - entails a warning or the imposition of an administrative fine on officials in the amount of five hundred to one thousand rubles; for legal entities - from five thousand to ten thousand rubles. 2. Inclusion in a contract of conditions that infringe upon the rights of the consumer established by law - entails the imposition of an administrative fine on officials in the amount of one thousand to two thousand rubles; for legal entities - from ten thousand to twenty thousand rubles. 3. Failure to provide a consumer with benefits and advantages established by law - entails the imposition of an administrative fine on officials in the amount of five hundred to one thousand rubles; for legal entities - from five thousand to ten thousand rubles. Article 333 of the Civil Code of the Russian Federation. Reduction of the penalty If the penalty payable is clearly disproportionate to the consequences of the violation of the obligation, the court has the right to reduce the penalty. The rules of this article do not affect the debtor’s right to reduce the amount of his liability on the basis of Article 404 of this Code and the creditor’s right to compensation for losses in cases provided for in Article 394 of this Code.

How can I get my money back if the payment was transferred to an expired bank card through the Euroset, and the money got stuck and the check was unfortunately lost?

you need to file a claim against the person who has this money stuck in his account

Hello, The operator should keep a copy of the receipt.

We paid the loan through Euroset, the payment did not arrive, the check was lost, what to do.

Write a complaint to Euroset and demand compensation for the damage.

08.15 a payment was mistakenly sent to Russfinance bank in the amount of 2810 rubles through the Euroset cash desk. By calling the bank's hotline they reported that the money had already been sent back on August 5, 2015! All the numbers they give us say that they have no money! The search has been going on for 3 months already, where should I turn?

write an official letter to the bank where you sent it by mistake and let them answer you and then to the prosecutor’s office

Nonsense, with the prosecutor's office, since all methods of jurisdictional protection have not been exhausted. Write a complaint to the bank and Euroset. I hope you still have your receipts. And file a claim if there is silence or a negative answer. And only when you are sure that the money has been stolen, you can write a statement to the police

My payment was made (loan repayment) through Euroset and the bank was not indicated correctly, I immediately wrote an application for a refund. A month passed, I did not receive any calls or SMS messages from the Golden Crown, and no one stopped the money transfer; it went through safely. (I didn't need this). How and to whom should I write a claim to Zolotaya Korona Bank?

Hello! Demand money in court 1102 of the Civil Code of the Russian Federation

Submit your claim in writing to Zolotaya Korona. If you need help drafting, contact a lawyer.

The bank closed all its branches in the city. And he offers to make payments either to other banks or to the Euronetwork, accordingly with a commission, what should I do?

Evgeniy, you should send a letter to the head office. State the situation and explain that you want to repay the loan payments, but you are not able to due to the closure of all branches and terminals in your city. Inform that due to the inability to make payments, you are suspending their payment, you believe that the inability to receive payments is the fault of the bank , therefore, no penalties can be applied to you, please officially offer, by sending a stamped letter to your address, to provide you with payment details.

Hello! Write a complaint to the Central Bank of the Russian Federation

I paid the loan through the Euroset, the operator made a mistake and transferred my money to another bank, the bank does not return the payment. What to do?

submit a written complaint to the bank, then to the court. You can also complain to the Central Bank of the Russian Federation.

If this is an operator error, you need to contact Euroset with a complaint and offer to return the money. If refused, file a lawsuit. If the operator’s error cannot be determined, then file a claim demanding the return of the money to the bank that received the payment.

Contact the person who accepted your payment. From your question it follows that the payment went “to the wrong place” due to his fault. You also entered into legal relations with them, and not with the bank.

Euroset made an erroneous payment in the amount of 10,000 rubles. to Beeline phone number. After payment was made, the check was thrown away. If this error was detected, we contacted the Euroset office to issue a duplicate check. The employees provided a sales receipt. When contacting Beeline for a refund, the refund was refused due to the fact that a sales receipt was provided, and not a duplicate cash receipt. Employees refuse to issue a duplicate check, citing the fact that they do not have special equipment for this. I contacted the Euroset hotline and they said that they couldn’t issue a duplicate because it was illegal. Tell me, is it possible to get a duplicate of a cash receipt?

Perhaps your request is also legitimate. First of all, you should contact the seller and find out on which cash register the receipt was printed. Some cash register models print duplicate receipts. The check will have the same date and details. You should not contact craftsmen who, using special programs, will make a copy of the check according to the specified parameters. After all, this will be nothing more than forgery of documents, which threatens with criminal sanctions (Article 327 of the Criminal Code of the Russian Federation). Despite the fact that you have faded sources, you will present the controllers with a deliberately forged document. Not even a copy, but a fake. If you cannot obtain a duplicate, you will need to check with the seller. The act will become additional evidence; it will confirm the transaction that took place and the amount. But all this can be done with wholesalers; a regular retail store will not provide you with such documents. But judges believe that a cash receipt is not the only document that can confirm expenses. A receipt from a parishioner may well replace a cash receipt (Resolution of the Federal Antimonopoly Service of the Volga Region dated August 9, 2010 No. A55-30723/2009). Retail purchases, as a rule, are accompanied not only by the issuance of a cash register receipt, but also by the execution of a sales receipt (written out by hand, printed on a printer, or all on the same cash register). If the sales receipt is available, compiled in accordance with all the rules, the information on it has not faded, then consider that the expenses have been confirmed. Sometimes sellers print a sales receipt on thermal paper, like a cash receipt, which means it can also fade. But in the event of a possible dispute in court, you still have the opportunity to try to recover the lost check using court requests (for example, a copy of the cash register control tape). And if the case comes to court, then petition for the appointment of an examination.

I paid the loan payment through the Euroset, but the payment was not received. I contacted the Euroset so they could sort it out. None of the employees can say to which number they sent the invoice. We only have the name of the bank on our computer. I myself found out which account they sent the money to. They said they would correct the error and send the money to the correct account. Only the bank charged me a penalty for late payment. Who should pay it? And how to force the Euroset to admit its mistake?

Good evening! Write an official complaint to the Euroset indicating all the circumstances of the case, attach copies of documents (which should clearly indicate that the fault for the erroneous payment is not yours, that is, you indicated the correct account and Bank). If you do not get an answer after 10 days, go to court.

I made another loan payment to the bank through the Euroset salon. However, the money did not arrive. A month later it turned out that it was necessary to pay the amount plus a late fee. Euroset says they sent the payment. The bank says the money has not arrived. All receipts are available. Please help me file a claim against the salon.

It would be more expedient to pay the loan in another way, and then demand funds from Euroset.

We promptly repaid the next payment to the Bank through Euroset. The payment arrived at the bank a week later. After three months, the Bank called and reported a penalty. We have payment receipts in our hands. Euroset gave a printout stating that the payment was activated and sent on time, but the money arrived in the bank a week later due to the long weekend (May holidays). Firstly, the borrower paid the installment amount on time before the due date of the payment schedule, as usual, three days in advance. Is the Bank right in charging a penalty, because the payment amount was sent to the bank in the usual manner and on time according to the payment schedule. If I’m wrong, where should I file a complaint? Is the Bank right to report the penalty after a long time? What date is considered the date of payment, when the payment is sent or when it is received? In tax legislation, for example, even if the payment is paid on time, and information about the payment is received from the Bank a week later, then the date of payment is the moment of payment. This point with the bank is not clear to me. Thank you for your answer.

Read your loan agreement, it says what is considered proper payment. Tax laws do not apply in any way to your relationship with the bank.

I paid for the loan at OTP Bank through the Euroset. Once again I made the payment, signed the check and left. A few days later the bank called and said that the money had not been deposited into the account. I checked the check and there was Home Credit Bank instead of OTP Bank (I have a second loan from this bank). The Euroset employee says that Home Credit will not be able to make a refund from an open account. And in general, it’s your own fault that you didn’t look when you signed the check. Tell me what can be done in this situation.

Write an application to the bank for the return of the erroneously transferred amount

We paid the loan on February 25, 2015 through the Euroset, OTP BANK calls and threatens that the payment has not been received! What to do?

Hello! Send them a scan of the payment document and let them deal with the intermediary themselves

Good day. I paid off the Alfa Bank loan through the Euroset, the check is in hand, the Euroset said: the payment has gone through, Alfa Bank calls 10 times a day from 7 am and claims that the payment did not arrive, and the check is not proof, and demands that we deal with the missing payment ourselves and pay again. This payment was the last repayment of the loan.
Irina.

Hello! This is their problem. File complaints with the Central Bank of the Russian Federation in your region and Rospotrebnadzor

We made a payment on the loan through Euroset, the check was lost, the payment did not go through. They refuse to refund the check.

write a complaint

I made a loan payment to Russian Standard Bank through Euroset on January 5, already on January 11, but my payment never arrived, now I will be charged interest. What should I do?

Do you have a receipt? As a rule, the check contains a telephone number where to contact if the payment has not gone through.

    At what points can you pay for a loan using the “Zolotaya Korona – Loan Repayment” service?

    ​Customers of any bank in the Russian Federation can pay loans and top up accounts using the “Zolotaya Korona – Loan Repayment” service at the following points:

    • Euroset salons;
    • Beeline offices (PJSC VimpelCom);
    • MegaFon sales and service offices;
    • Svyaznoy stores (only in the Far Eastern Federal District);
    • Shoe stores KARI;
    • Branches of the Federal State Unitary Enterprise "Russian Post"

    You can also pay for loans at the cash desks of partner banks of the Federal System “Gorod” and at banks participating in the “Zolotaya Korona – Money Transfers” service. Find the address of the location convenient for you in the “Where to pay” section.

    ​

    You can pay off loans from any bank or microfinance organization in the Russian Federation online: on or in the mobile application “Loan Repayment” (6+) from Zolotaya Korona. Download from AppStore and GooglePlay. The service is provided to owners of cards issued by Russian banks based on the payment systems Visa, Mastercard, Maestro, MIR. The operation is only available if the card supports 3D Secure technology.​​

    How to find the nearest point for loan payment?

    Can I pay a loan online?

    Yes. There are several ways to pay for a loan or top up your account via the Internet: on or in the mobile application “Repayment of Loans” (6+) from Zolotaya Korona. Download from AppStore and GooglePlay.​

    Contrary to popular belief, transferring money to an erroneous account is quite difficult. Because the account number is created based on an algorithm that, to a large extent, eliminates random errors during manual entry (for example, rearranging adjacent digits or entering a different digit). You can find more accurate information on this topic in this article.

    In the vast majority of cases, it turns out that the account number we entered by mistake simply does not exist. It is often possible to identify an error already at this stage - most banks (including Sberbank) automatically display the name of the institution in which the specified account is opened. If such information does not appear, you should check the entered data again.

    However, it may happen that the money will not be transferred to where we need it. There may be several reasons for this:

    • we sent a transfer to a non-existent account
    • we sent a transfer to an inactive (closed account)
    • we sent a transfer to an existing account, but to the wrong person

    Depending on the specific situation, we will have the appropriate return procedure.

    Transfer to a non-existent account

    This is, in theory, the safest case. This situation generally rarely happens, because the bank's system automatically detects an obvious error in the account - the number is too short or an error in the checksum. So we simply cannot confirm such a translation.

    However, it happens, especially when transferring to other banks, such a transfer is still sent. But, don't panic. Even if such a transfer “leaves” the bank, it will be automatically canceled by the receiving bank.

    However, you will have to wait a little for a refund - in theory, up to one business day (like any other transfer), in practice this period can increase to 2-4 days. If after this time the transfer amount has not been returned to our account (and you are sure that the account does not exist), you should contact the bank and file a claim.

    Bank transfer to a closed account

    From time to time the deposit rate changes, this pushes us to change the account. Enterprises do the same. It may happen that, due to habit or lack of knowledge, we make a transfer to an already inactive account.

    Returning money in this case is somewhat more difficult than in the previous one. The problem is that an inactive account remains “correct”, which means the system will not generate an error message. This translation will be sent!

    First of all, we need to reassure people who think that our funds may fall into the hands of someone else. Old account numbers - unlike, for example, telephone numbers - are not transferred to new owners, which means no one will take possession of the account that once belonged to you.

    In such a situation, you should also contact the Bank to fill out an application to close the inactive account and receive funds received from it.

    Transferring to the wrong person

    This is the most difficult case. The account to which we sent the transfer exists and is also active, so an automatic refund is not possible. What can be done in such a situation?

    Sometimes such a transfer can be canceled. This should be our first step. Naturally, it needs to be completed as soon as possible. If the transfer has not yet been transferred to the interbank system, then the bank employee will be able to cancel it.

    If you contact too late, then all that remains is to fill out an application for a disputed transaction and hope that the recipient will return the money on their own. However, the bank cannot independently cancel transfers credited to the recipient's account. Therefore, if other options for return are exhausted, you can contact the police with a statement of unjust enrichment of the “erroneous” recipient.

    What to do if there is an erroneous translation

    The basic rule is: We always communicate with employees at your bank, and never at the recipient’s bank. The bank of the transfer sender has all the data relating to the transfer, and on your behalf will try to find out the fate of the transfer. But, due to bank secrecy, we cannot expect the bank to provide us with information about the personal data of the person who received our transfer.

    What can our bank do? Most likely, he will contact the recipient's bank to provide information about the erroneous payment purpose. This information will be passed on to the recipient and they will be encouraged to return the funds intended for someone else.

    In general, we are dealing with unjust enrichment; the recipient of our transfer is obliged to reimburse us for the amount - even if he has already spent the money.

    However, it must be remembered that the legal process can last for months, and this will require expenses. It is much better – if possible – to resolve such disputes peacefully.

    What else is worth remembering

    Remember that the more data we provide, the easier it will be to get our money back. In this regard, it is worth filling out – if possible – all fields in the transfer form.

    Suppose we send money to our children to pay for housing in another city, but we made a mistake in the account and sent the money to the wrong person.

    Let's consider two situations:

    1. We do not provide any information in the purpose of payment, or indicate only “for rent”;
    2. We indicate the first name, last name, address of the recipient of the transfer, the recipient's bank, and in the purpose of payment we indicate the period for which we are transferring money.

    In the second case, it will be much easier to defend your rights!

    The claim should include as much information as possible about the transaction - date of execution, amount, return period, recipient's account number, and ours (as well as the number to which the return must be made, preferably it should be the same account from which the transfer was made) .

    It is also important to know that banks may charge a fee for intermediary in the return of funds. Because the fault lies on the client’s side, and the bank is forced to do additional work.