[jira] [Created] (FINERACT-1839) Reversal on the loan account after CBR

["Mihaly Dallos (Jira)" <ji...@apache.org>]

Mihaly Dallos created FINERACT-1839:
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             Summary: Reversal on the loan account after CBR
                 Key: FINERACT-1839
                 URL: https://issues.apache.org/jira/browse/FINERACT-1839
             Project: Apache Fineract
          Issue Type: Improvement
            Reporter: Mihaly Dallos


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*As a* user
*I want to* _reverse a transaction posted before the loan account CBR_
*in order to* meet the real transaction reversal scenario
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h4. *Background and details:*

Standard practice is not to allow any reversal of old transactions once the CBR is posted on the loan account
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*Challenges (as we allow reversal of old transaction after CBR)*
 * Undo/Edit of the previous transaction should result in reverse and replay of the CBR transaction which is not standard behavior for CBR Transaction

 * If the Edit amount of the previous transaction unfolds new unusual scenarios which are difficult to handle

 ** if the modified amount is lesser than the CBR amount - then the loan has to be reopened considering CBR as a type of reverse transaction and handling all the complexities of repayment and amount allocations

 ** If the modified amount is greater than the CBR amount - then the loan should be treated as overpaid and hence enabling a new scenario of CBR

 * Handling the transaction and repayment schedule linkage complexity once we consider CBR for the opening of the loan account
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*Proposed solution*
 # Reversal of refund can happen long after the *chargeback transaction.* In this case acount balance needs to be increased by the reversed amount.

 # If delinquency calculation is the concern then the CBR transaction has to be reversed manually to adjust and replay the previous transaction
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