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FINERACT-2162: Added use cases for chargeback in case no chargeback rule and recalculation disabled

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tamasszabo-dpc
2025-02-04 20:24:21 +01:00
committed by Arnold Gálovics
parent 157a492bcc
commit 224e84a9c2
1 changed files with 318 additions and 42 deletions
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fineract-e2e-tests-runner/src/test/resources/features/LoanChargeback.feature
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@@ -3479,3 +3479,279 @@ Feature: LoanChargeback
Then Loan Repayment schedule has the following data in Total row: Then Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding | | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 105.0 | 0.0 | 0.0 | 10.0 | 115.0 | 35.0 | 10.0 | 25.0 | 80.0 | | 105.0 | 0.0 | 0.0 | 10.0 | 115.0 | 35.0 | 10.0 | 25.0 | 80.0 |
@TestRailId:C3406
Scenario: Verify full chargeback before maturity date - no chargeback rule - interest recalculation disabled
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
And Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
And Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.43 | 33.63 | 0.39 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 117.01 | 2.05 | 0.0 | 0.0 | 119.06 | 34.02 | 0.0 | 0.0 | 85.04 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 01 March 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 84.06 | false | false |
@TestRailId:C3407
Scenario: Verify partial chargeback before maturity date-1 - no chargeback rule - interest recalculation disabled
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for Payment nr. 2
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.43 | 31.62 | 0.39 | 0.0 | 0.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 115.0 | 2.05 | 0.0 | 0.0 | 117.05 | 34.02 | 0.0 | 0.0 | 83.03 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false |
@TestRailId:C3408
Scenario: Verify two chargebacks before maturity - no chargeback rule - interest recalculation disabled
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 15 EUR transaction amount for Payment nr. 1
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.43 | 31.62 | 0.39 | 0.0 | 0.0 | 32.01 | 0.0 | 0.0 | 0.0 | 32.01 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 115.0 | 2.05 | 0.0 | 0.0 | 117.05 | 34.02 | 0.0 | 0.0 | 83.03 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Overpayment |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | 0.0 |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | 0.0 |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | 0.0 |
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | 0.0 |
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.43 | 48.63 | 0.39 | 0.0 | 0.0 | 49.02 | 0.0 | 0.0 | 0.0 | 49.02 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 132.01 | 2.05 | 0.0 | 0.0 | 134.06 | 34.02 | 0.0 | 0.0 | 100.04 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 01 March 2024 | Chargeback | 15.0 | 15.0 | 0.0 | 0.0 | 0.0 | 82.05 | false | false |
| 01 March 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 99.06 | false | false |
@TestRailId:C3409
Scenario: Verify full chargeback before maturity date on different business date - no chargeback rule - interest recalculation disabled
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "15 March 2024"
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 2
Then Loan Repayment schedule has 6 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | | 50.43 | 33.63 | 0.39 | 0.0 | 0.0 | 34.02 | 0.0 | 0.0 | 0.0 | 34.02 |
| 4 | 30 | 01 May 2024 | | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 5 | 31 | 01 June 2024 | | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
| 6 | 30 | 01 July 2024 | | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 0.0 | 0.0 | 0.0 | 17.0 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 117.01 | 2.05 | 0.0 | 0.0 | 119.06 | 34.02 | 0.0 | 0.0 | 85.04 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 15 March 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 84.06 | false | false |
@TestRailId:C3410
Scenario: Verify full chargeback after maturity date - no chargeback rule - interest recalculation disabled
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "01 May 2024"
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "01 June 2024"
And Customer makes "AUTOPAY" repayment on "01 June 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "01 July 2024"
And Customer makes "AUTOPAY" repayment on "01 July 2024" with 17.00 EUR transaction amount
When Admin sets the business date to "15 July 2024"
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 5
Then Loan Repayment schedule has 7 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 |
| 7 | 14 | 15 July 2024 | | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 117.01 | 2.05 | 0.0 | 0.0 | 119.06 | 102.05 | 0.0 | 0.0 | 17.01 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
| 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
| 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
| 15 July 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | false | false |
@TestRailId:C3411
Scenario: Verify two chargebacks after maturity date - no chargeback rule - interest recalculation disabled
When Admin sets the business date to "01 January 2024"
And Admin creates a client with random data
And Admin creates a fully customized loan with the following data:
| LoanProduct | submitted on date | with Principal | ANNUAL interest rate % | interest type | interest calculation period | amortization type | loanTermFrequency | loanTermFrequencyType | repaymentEvery | repaymentFrequencyType | numberOfRepayments | graceOnPrincipalPayment | graceOnInterestPayment | interest free period | Payment strategy |
| LP2_ADV_PYMNT_INTEREST_DAILY_EMI_360_30 | 01 January 2024 | 100 | 7 | DECLINING_BALANCE | DAILY | EQUAL_INSTALLMENTS | 6 | MONTHS | 1 | MONTHS | 6 | 0 | 0 | 0 | ADVANCED_PAYMENT_ALLOCATION |
And Admin successfully approves the loan on "01 January 2024" with "100" amount and expected disbursement date on "01 January 2024"
And Admin successfully disburse the loan on "01 January 2024" with "100" EUR transaction amount
When Admin sets the business date to "01 February 2024"
And Customer makes "AUTOPAY" repayment on "01 February 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "01 March 2024"
And Customer makes "AUTOPAY" repayment on "01 March 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "01 April 2024"
And Customer makes "AUTOPAY" repayment on "01 April 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "01 May 2024"
And Customer makes "AUTOPAY" repayment on "01 May 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "01 June 2024"
And Customer makes "AUTOPAY" repayment on "01 June 2024" with 17.01 EUR transaction amount
When Admin sets the business date to "01 July 2024"
And Customer makes "AUTOPAY" repayment on "01 July 2024" with 17.00 EUR transaction amount
When Admin sets the business date to "15 July 2024"
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17.01 EUR transaction amount for Payment nr. 5
Then Loan Repayment schedule has 7 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 |
| 7 | 14 | 15 July 2024 | | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 117.01 | 2.05 | 0.0 | 0.0 | 119.06 | 102.05 | 0.0 | 0.0 | 17.01 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
| 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
| 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
| 15 July 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | false | false |
When Admin sets the business date to "15 July 2024"
And Admin makes "REPAYMENT_ADJUSTMENT_CHARGEBACK" chargeback with 17 EUR transaction amount for Payment nr. 6
Then Loan Repayment schedule has 7 periods, with the following data for periods:
| Nr | Days | Date | Paid date | Balance of loan | Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| | | 01 January 2024 | | 100.0 | | | 0.0 | | 0.0 | 0.0 | | | |
| 1 | 31 | 01 February 2024 | 01 February 2024 | 83.57 | 16.43 | 0.58 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 2 | 29 | 01 March 2024 | 01 March 2024 | 67.05 | 16.52 | 0.49 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 3 | 31 | 01 April 2024 | 01 April 2024 | 50.43 | 16.62 | 0.39 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 4 | 30 | 01 May 2024 | 01 May 2024 | 33.71 | 16.72 | 0.29 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 5 | 31 | 01 June 2024 | 01 June 2024 | 16.9 | 16.81 | 0.2 | 0.0 | 0.0 | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 |
| 6 | 30 | 01 July 2024 | 01 July 2024 | 0.0 | 16.9 | 0.1 | 0.0 | 0.0 | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 |
| 7 | 14 | 15 July 2024 | | 0.0 | 34.01 | 0.0 | 0.0 | 0.0 | 34.01 | 0.0 | 0.0 | 0.0 | 34.01 |
And Loan Repayment schedule has the following data in Total row:
| Principal due | Interest | Fees | Penalties | Due | Paid | In advance | Late | Outstanding |
| 134.01 | 2.05 | 0.0 | 0.0 | 136.06 | 102.05 | 0.0 | 0.0 | 34.01 |
And Loan Transactions tab has the following data:
| Transaction date | Transaction Type | Amount | Principal | Interest | Fees | Penalties | Loan Balance | Reverted | Replayed |
| 01 January 2024 | Disbursement | 100.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100.0 | false | false |
| 01 February 2024 | Repayment | 17.01 | 16.43 | 0.58 | 0.0 | 0.0 | 83.57 | false | false |
| 01 March 2024 | Repayment | 17.01 | 16.52 | 0.49 | 0.0 | 0.0 | 67.05 | false | false |
| 01 April 2024 | Repayment | 17.01 | 16.62 | 0.39 | 0.0 | 0.0 | 50.43 | false | false |
| 01 May 2024 | Repayment | 17.01 | 16.72 | 0.29 | 0.0 | 0.0 | 33.71 | false | false |
| 01 June 2024 | Repayment | 17.01 | 16.81 | 0.2 | 0.0 | 0.0 | 16.9 | false | false |
| 01 July 2024 | Repayment | 17.0 | 16.9 | 0.1 | 0.0 | 0.0 | 0.0 | false | false |
| 01 July 2024 | Accrual | 2.05 | 0.0 | 2.05 | 0.0 | 0.0 | 0.0 | false | false |
| 15 July 2024 | Chargeback | 17.01 | 17.01 | 0.0 | 0.0 | 0.0 | 17.01 | false | false |
| 15 July 2024 | Chargeback | 17.0 | 17.0 | 0.0 | 0.0 | 0.0 | 34.01 | false | false |