Request a written explanation before transfer
Ask for the proposed payer’s name, capacity, relationship to the claim and reason for using a different account. Request a message stating the invoice or file reference and intended amount. Having this information before transfer helps accounts identify the payment purpose instead of relying on an assumption after funds arrive.
Review payer details under your procedures
Check the name shown on the transfer, account details and payment reference, and apply your internal, banking and accounting procedures. If information is incomplete or the transaction raises a question about the source or payer, delay confirmation and seek the appropriate specialist review. Do not describe the payment as accepted before checks are complete.
Identify the debt to which funds will be allocated
If several invoices are outstanding, ask which invoice or balance the payment covers. Record the amount, receipt date, payer name and the reference used for allocation. Where the payment does not cover the full claim, use the partial payment balance guide to show what remains outstanding.
Do not confuse the payer with the debtor
Receiving a transfer from another party does not automatically justify changing the customer name or reissuing the invoice in that party’s name. Preserve the original transaction records and seek review for changes affecting the party or accounting data. If the debtor requests a revised invoice, see the invoice reissue guide.
Issue a precise confirmation after reconciliation
The confirmation may state that a defined amount was received from the named payer and allocated to a particular invoice or balance, with any remainder clearly identified. Avoid a full release or account-closure statement if the complete balance has not been paid. For a requested release, see the release letter before payment guide.
When should you request a claim assessment?
Request an assessment if the debtor will not explain the payer’s relationship, a later request is made to return the funds, the parties disagree about allocation, or part of the debt remains without a clear plan. Prepare the invoices, statement, debtor’s message and transfer record using the claim document checklist. THIQA specialises in debt collection and receivables recovery inside Oman. Creditors outside Oman may request assistance against a company or individual inside Oman. Request an assessment and send the transaction summary and balance.
General information, not legal, banking or accounting advice or a guarantee of recovery. The appropriate process depends on the records and applicable verification procedures.