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UNAL. My friend was in the exact same spot a few days ago. He sent 10k to someone by mistake. Fortunately, it was to the same account he sent money a day before when paying for his swiggy instamart order so we were able to find the delivery boy’s number. However, the twist here was that the delivery boy was using his friend’s UPI QR Code instead of his own and we had to negotiate with the friend several times.
We played good cop bad cop. I threatened him with police complaint and legal notice and my friend was being nice and saying “yes I made a mistake. I am a student please return my money bla bla bla”. At first he sent 4k and then was saying he won’t be able to send the full amount because there will be some “tax” cut from his account. I very strictly told him UPI has no charges and if he doesn’t send the remaining 6k I’ll take legal action. He sent the 6k next morning thankfully.
Of course, we filed a complaint to both SBI (my friend’s bank) and NPCI about this transaction.
I hope you get your money back OP. But, the bottom line is, if the recipient refuses to consent to the reversal transaction, there isn’t much you can do about it.
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