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When stuck between bankers, lawyers and debt…

I had planned to not blog at all until next Ramadan. So I could pick up from where I left off in “The Waning Dusk Series”. But an incident tonight compelled me to login to my old WordPress again. I simply had to share this:

I am a freebie junkie. Whoever offers services of interest online, especially if they give a free trial, I always sign up and check them out. Even if I can do without them. I collect free templates from here and there, free sound effects, free software, countless trial versions, free stock images, free vector art, free fonts… you get my drift.

It so happened that I wanted legal consult and documentation for a website I am currently working on. Of course I googled. And of course there was a particular site that was offering legal services on a 1-week free trial. By default, I ventured there. I created my documents but to access them, I had to have either a paid account or a partially free account that bills users after a week of signing up if they don’t cancel their subscription.

So I entered my credit card details (my dad’s card details actually) fully intending to cancel the subscription within one week of usage. But as fate had it– I typed in the wrong fields. I typed in the ones that billed my card immediately to Rs. 40,000. The second I saw the $ sign, I killed all my browsing tabs in cold blood. All puns intended. It was one of those moments when the world stops moving before it comes crashing down. And I hoped against hope that the card was not processed. But then came the dreaded mail notification “Thank you for purchasing…” and it had the godforsaken invoice too.

I don’t think my world has ever come crashing down like it did at that moment. After taking a few seconds to make myself start thinking straight, I asked my father to call the bank to explain the situation and cancel the payment. The bank apologised that it cannot be stopped and suggested I call the people I made the payment to. At the same time, I was googling how long it takes for an online credit card transaction to actually appear as a purchase. And I was figuring out how long it would take for the bank to deactivate the card to render this payment null and void before it gets fully processed. While I was at it, I downgraded my mistakenly upgraded account pronto and sent a quick email to the said lawyers’ agency requesting a cancellation and profusely apologising for my blunder.

Having done all that, I stood up to pray 2 really intense raka’ahs of nafl prayers to get out of the fix. And an awful fix it was too. Stuck between bankers and lawyers. And debt that I would owe to my parents for something that I never really needed. Enough said.

No sooner had I finished supplicating when I heard the mailbox beep again. And guess what it said.

“We confirm that your membership access has been downgraded as of 12/31/2014. The xxxxx pending charge to your credit card ending xxxx has been reversed. Please allow up to 7 to 10 business days for the reversal to be reflected in your account.”

Subhanallah.

Allah accepted the prayer faster than it took for the amount to hit the credit card.

That’s the power of a nafl prayer. That’s what the Prophet (pbuh) used to do in difficult situations. And that’s something we need to do more often as well. Imagine if we pray two nafl raka’ahs every morning…

Also, the most important thing is to not panic in such devastating situations that appear seemingly irreversible. There is always a backdoor. Do your part, then pray like your life depends on it. Had I not downgraded my account immediately, contacted customer support and prayed for Ctrl-Z to happen, I might have ended up paying a lump sum for nothing. I am glad I did not sleep in utter depression and misery like my brain initially advised me to.

Alhamdulillah.

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5 thoughts on “When stuck between bankers, lawyers and debt…

  1. Ya Allah!
    I was actually holding my breath and was so so relieved to find how the matter got all solved till the end. Alhamdulillah for that. And this power of 2 rakaahs… ❤

    I needed to read this. Thank you for the wonderful inspiration, and mabrook on getting out of a huge (possible) mess!

    (Also, I understand how badly I've put this comment. But the point was that I really liked reading this right now.)

    • Jazak Allah for the candid comment. I appreciate it! 😀
      Yes, I was half-petrified during the whole fiasco myself. Don’t think I’ll be using credit cards for a while now. :p
      And it was only Allah’s Mercy that got me out of it. Alhamdulillah. It’s instances like these that make you believe, that Allah DOES respond to you pronto if you pray hard enough. 🙂

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