On XXXX XXXX, 2015 I went online and entered the relevant information on XXXX to transfer XXXX {$500.00} to my sister 's account in XXXX. Up to today, XXXX XXXX, 2015, 23 days later, the funds have not been applied to the account and neither has it been returned to me. 
I sent the funds in time to arrive before XXXX XXXX to pay towards a mortgage that is in arrears. The non-payment of these funds has resulted in additional complications for the property that was placed on an auction list. Payment before XXXX XXXX ( when another mortgage payment came due ) was important in order to reduce the accrued debt to below 1 month. With the non-payment, an additional month has been placed on the outstanding amount removing the breathing room necessary to accumulate sufficient funds to bring it current. I am stressed, worried and presently scrambling to sell the property so as not to lose financially. 

I requested a refund on or about XXXX XXXX, with the aim of sending it through another money transfer system. They suggested that they would pay the fee to do this. Up to today I still have not received my refund. The last communication from XXXX which came in this week, XXXX saying that the funds were in the account but it is not. Just today the local XXXX affiliate/company contacted my sister asking what type of account does she have. She told them again and provided a screenshot of her account. 
XXXX 's service has been wholly unacceptable, unreliable and highly unfair to me, placing me into unnecessary difficulties. 

XXXX - XXXX XXXX XXXX XXXX XXXX 
