I was a customer of Opulentus until a few years back for their canada immigration services but I am not aspiring anymore. Since I was transacting with them until 2017/18 (don't remember exact date/year but it was around 4--5 yrs back), I had registered their bank account as payee in my ICICI bank account (because, I was paying to them online). Again, I am not transacting with them any more for the last 4 yrs or more.
On 31Jan2022, I made a payment of 20k INR to Opulentus account again by mistake from my ICICI iMobile app. I wanted to pay to my father (payee registered as Papa) but selected Opulentus by mistake (as payee list appear in alphabetical order, "Opulentus" was appearing just above "Papa", so I made a careless mistake).
I immediately notified Opulentus as well as bank on email. Bank took an application from me in writing to pursue my case and they connected on my behalf with Opulentus. As per the bank they contacted Opulentus multiple times in the last 1.5 months (over mail and phone both) but they are not giving debit consent. Now, according to bank they cannot withdraw and pay me back until Opulentus gives a consent. Also, as per the bank, Opulentus account is dormant and also that the bank has blocked the deposited money (so even Opulentus cannot use it)).
What can I do to get my 20k INR back? Are there legal ways to do it? I am sure Opulentus cannot just say no to my request when I have already mentioned that the payment was a mistake.