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

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

     [ https://issues.apache.org/jira/browse/FINERACT-1839?page=com.atlassian.jira.plugin.system.issuetabpanels:all-tabpanel ]

Mihaly Dallos updated FINERACT-1839:
------------------------------------
    Labels: PepperSoup  (was: )

> 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
>            Priority: Major
>              Labels: PepperSoup
>
> {panel}
> *As a* user
> *I want to* _reverse a transaction posted before the loan account CBR_
> *in order to* meet the real transaction reversal scenario
> {panel}
> h4. *Background and details:*
> Standard practice is not to allow any reversal of old transactions once the CBR is posted on the loan account
> {panel}
> *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
> {panel}
> {panel}
> *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
> {panel}



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