How to return an erroneous payment to MTS, Beeline, Megafon and Tele2

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The situation is by no means uncommon - you sent money to a friend, but he did not receive it. We began to look into it and found out that we had made a slight mistake in the details, so we made a transfer to a stranger. But it also happens the other way around - someone sent money to your account, but you don’t know who or why. What to do in such cases? How to return a transfer? Let’s look into the “Okay. Google."

Return Policy

All operators offer transfer of funds if the payment is assigned incorrectly. Despite the similarity of the procedure, it differs from one company to another. However, the strictest conditions for erroneous payments are on Tele2. It is also worth considering the general rules for refunding erroneous payments :

Both numbers belong to the same operator;
There is a receipt for payment (can be electronic)
The deadline for returning the erroneous payment has not expired.

If all conditions are met, you can cancel the erroneous payment to another number and make a refund to your phone. However, if the number belongs to another operator, then this is also not a problem, you just need to submit a statement about an erroneous payment to another company.

Contacting your mobile operator

If the cellular provider has already received the money, there is no point in bothering the bank - you need to contact the operator. Serious companies have adopted a clear procedure that allows in some cases (for example, if the payment amount is up to 500 rubles) to correct an erroneous transfer of money remotely, without visiting the operator’s branch and providing documents. To do this, just dial a short number and contact a specialist who can resolve such issues.

Naturally, a representative of the provider will check whether you really transferred funds. You need to be prepared to answer questions about the time, amount of transfer, and the number to which the money was sent. They may also ask for passport details and so on.

For a successful return of funds, the operator must meet several conditions related to the statute of limitations and the availability of money in the account to which the transfer was made. There will also be problems if the dialed number is very different from the correct one.

Return funds to Tele2

The Tele2 operator does not guarantee the transfer of erroneously transferred money. This is due to the fact that if the subscriber who received your erroneous top-up has already spent money, then there is nothing to return. Also, a refund of an erroneous payment from Tele2 is possible only if the errors in the number do not exceed two. It is also worth noting that if an online payment is made by mistake using a bank card, the operator recommends contacting the bank that issued the card to adjust the payment. This is one of the significant differences from other operators.

To return, you must contact the operator through the store, social networks, or chat on the website. The operator also notes that money can be credited to the balance throughout the day, and it is necessary to apply only after this period has expired.

Visit to the operator's office

Sometimes you can't do without visiting the office. This happens if:

a large amount was transferred,
the operator's representative refused to solve the problem remotely,
the money went to the number of another provider - this also happens.

The last option entails visiting the office of another operator.

Regardless of the specifics of the situation, you will need to write an application for a refund and provide documents confirming the fact of transfer of funds. You can confirm the operation by obtaining the appropriate certificate from the bank.

In case of subsequent proceedings involving government agencies, Sofia Tanina recommends submitting an application in two copies so that you can take one of them with you with a dated acceptance mark. If the outcome of the investigation is positive, the money will be returned to your account or bank card.

Refund payment to Beeline

Beeline has several options for how to return a payment in the event of an erroneous replenishment. This can be done both online and by phone, if the amount is no more than 3 thousand, and the error includes no more than two digits, and no more than four days have passed since the payment. On a separate section of the site you can indicate your cell phone number and receive a special code via SMS. You can also send a request from your number * 278 #, or call 07222.

If there are more errors, you will need to visit the operator’s salon. You can also send a completed application form by email, and you can download it from the website.

What to do if the operator fails?

The provider will probably not return anything if the client, whose account was mistakenly replenished, successfully spent the money. In this case, the issue can be resolved through the court. The Civil Code is a good remedy for intractable citizens; it contains such a term as “unjust enrichment.” We are talking about property obtained without legal grounds. Such funds must be returned to the victim.

According to Tanina, a claim should be filed against the subscriber who received an erroneous payment. The mobile operator will appear in the lawsuit as a third party. The court will consider documents confirming the erroneous transfer of funds, as well as requested papers relating to the proceedings conducted by the provider after receiving the victim’s statement. The judge will most likely order the defendant to return the money.

There is another option, which sometimes allows you to avoid communication with the provider and other non-trivial gestures. You can simply call the person to whom the money went and ask him to return it back.

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Refund to MTS

You can also return an erroneous payment to MTS, and unlike Beeline and Tele2, the conditions are more flexible in terms of the number of errors made - no more than three incorrect digits, or the sequence of up to four digits is broken. For a quick return, you will need to call the operator at 0890 and provide all the necessary information about the owner of the correct number, as well as from the receipt.

If more errors are made, then a visit to the MTS store will be required, where you will need to fill out a statement. You can download it in advance on the operator’s website, or you can get a form in the office. MTS guarantees a refund only if there is an erroneous payment to an incorrectly specified number. Money can be returned to a bank card within 45 days after submitting the application.

In what cases should you contact the police?

It should be remembered that even a bank employee does not have the right to force the recipient to return funds to you if you discover that you transferred them to fraudsters. He can only ask the recipient about it. How can you return the money transferred to the card if the bank informed you that the account owner was found, but the funds never arrived? According to the law, such situations are regulated by Article 1102 of the Civil Code of the Russian Federation “Obligation to return unjust enrichment.” Or in some cases - an article about fraud. Therefore, in order to defend your rights, feel free to contact the police, and this is where a copy of the statement written at the bank will come in handy.

Next, we again have two options for the development of events, the expert explains. In the first of them, the police refuse to initiate criminal proceedings. You will receive an official notification of refusal by mail at your place of actual residence (or the place where you contacted the police).

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The second option is to initiate a criminal case. In practice, this happens very rarely and, as a rule, under special circumstances - for example, when there are several victims. Or if the person appearing in your application has been transferred money by mistake more than once and he never returned it. In this case, the recipient's actions may be regarded as fraudulent.

How to return money to MegaFon

You can return an erroneous payment on your MegaFon phone by calling 0500. Having connected to a specialist, voice your problem, and the operator will help you in this situation if no more than two errors were made when specifying the number.

Like other Big Three operators, in other cases you will need to visit a MegaFon salon to submit an application. Separately, the operator notes that erroneous payments also include payments for a larger amount than planned. The problem is also solved after a visit to the salon.

Is it possible to return the transferred money if the police did not help?

The initiation of a criminal case is the basis for going to court. However, even if a refusal is received, you also have the right to turn to Themis for help.

“If all of the above actions do not bring results and the citizen ignores the return of funds, then you can go to court with a claim for unjust enrichment. In such a situation, you will also need a copy of the application from the bank, as well as a copy of the police refusal to open a criminal case. In addition, you can obtain an official confirmation of the money transfer from the bank and attach it to the case materials,” says Ekaterina Antonova.

It may also be useful to file a claim. It should be sent to the defaulter's postal address in the form of a letter with acknowledgment of receipt. When both of you are invited for interrogation, there is a high probability that the unscrupulous recipient will return the money to you at this stage, because this procedure is not a pleasant one. If it was not possible to reach an agreement even now, then you will have to, as they say, “go to the end” - file a lawsuit and wait for the court hearing.

It is important to know that through the court it is also possible to recover from the defaulter interest for the use of funds that do not belong to him and the amount of the state fee for filing an application, and even receive compensation for legal costs and moral damages.

Results

You can get your money back if you enter an incorrect number when replenishing from any operator, but it will take time. There are also certain restrictions, and in some cases a visit to the company's showroom is required to submit an application. The main thing to remember when replenishing is to save the receipt until the money is credited to your phone balance. If a mistake is made, then you should not delay the appeal. Operators allow two weeks for refunds, but they may not return the money if the recipient of your payment has already spent it.

Contact the bank

We usually top up our mobile phone account through a banking application. If immediately after the transaction you notice that you made a mistake with the number and the money went to the wrong place, you need to immediately contact your bank - there is a chance that the funds have not yet been credited to someone else's phone, then the financial institution will cancel the transaction and return the money. You can contact the bank via the hotline (the toll-free number should be indicated on the inside of your card) or via chat - online banking.

“Inform the hotline operator about the need to suspend the transaction and return the payment. In the future, you can duplicate the message in writing. Your message will be checked and, if the money has not yet been credited to the recipient’s account, it will be returned,” says the expert.

How to protect yourself from making erroneous money transfers?

And finally, some advice for those who are tired of double-checking the numbers of bank accounts or cards during financial transactions. Firstly, to optimize money transfers, you can create special templates in mobile banking. In addition, you can use a text editor, saving the numbers of frequently used accounts in it, and then copying and pasting them in the desired column during the translation. And of course, you can easily and securely transfer funds using the contact list in your mobile phone.

If you top up a scammer's number

Voluntary replenishment of someone else's phone number is not considered a mistake, since the combination of numbers will be radically different from your personal mobile phone. Therefore, the funds transferred to the scammers can only be returned through law enforcement agencies or the court.

Note! With a quick response, you can block the payment transaction through the bank or yourself, until the money is debited from your personal account.

Why can’t you call the subscriber to whose account the money was sent?

Calling the owner of an erroneously replenished phone number is the first thing subscribers try to do.

Rice. 1. Calling the owner of someone else’s number in most cases makes no sense

However, without knowing who the interlocutor is, you should not do this for several reasons:

You may be mistaken for a fraudster. There is a common fraudulent scheme involving topping up a mobile account and then asking to return the erroneously sent funds.
The owner of the number can quickly spend funds - transfer to another number, pay for purchases on the Internet, withdraw to a bank card, withdraw in cash. In this case, returning the funds will be problematic.
Time spent on negotiations will be lost to promptly block the transaction.

It makes sense to contact the owner of the erroneously replenished number if other attempts to return money have failed.

Note! The subscriber's refusal to return is not a violation of the law, since the funds were transferred voluntarily, without coercion or deception.

Canceling a transaction in Sberbank online

The easiest way to return what you spent and cancel the action taken is to use Internet banking, for this you need:

Irina Bolshakova

Bank loan officer

In 1 minute! Let's calculate overpayments using a calculator. We will offer a sea of profitable offers on loans, credits and cards, very flexible conditions. Shall we try?)

Log in to your personal account;
Go to the “Operation History” section;
Select the desired operation and look at its status (if it says “In progress”, then you can interrupt the transfer of funds and return the money sent to the wrong place);
Next, you should open the erroneous payment and activate the “Cancel payment” option.

The operation status will change after just 2-3 minutes. But it is important to know that in cases where the status has changed to “completed”, it will no longer be possible to use this method. In this situation, it is necessary to look for other ways to withdraw a Sberbank payment online.