diff --git a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanWritePlatformServiceJpaRepositoryImpl.java b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanWritePlatformServiceJpaRepositoryImpl.java
index 264470d93..67cf466ca 100644
--- a/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanWritePlatformServiceJpaRepositoryImpl.java
+++ b/fineract-provider/src/main/java/org/apache/fineract/portfolio/loanaccount/service/LoanWritePlatformServiceJpaRepositoryImpl.java
@@ -1226,9 +1226,6 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                     transactionId);
         }
 
-        final List<Long> existingTransactionIds = new ArrayList<>();
-        final List<Long> existingReversedTransactionIds = new ArrayList<>();
-
         checkClientOrGroupActive(loan);
 
         if (loanTransaction.isReversed()) {
@@ -1244,6 +1241,9 @@ public class LoanWritePlatformServiceJpaRepositoryImpl implements LoanWritePlatf
                     transactionId);
         }
 
+        final List<Long> existingTransactionIds = loan.findExistingTransactionIds();
+        final List<Long> existingReversedTransactionIds = loan.findExistingReversedTransactionIds();
+
         businessEventNotifierService.notifyPreBusinessEvent(new LoanChargebackTransactionBusinessEvent(loanTransaction));
 
         final LocalDate transactionDate = DateUtils.getBusinessLocalDate();