WHERE TWO SETS OF DOCUMENTS ARE PRESENTED UNDER ONE COVERING LETTER

QUESTION

Em chào anh,

Em cũng đang làm thanh toán quốc tế tại Ngân hàng, hiện em đang có thắc mắc về L/C, anh có thể giải đáp giúp em không?

Ngân hàng e phát hành L/C trị giá USD122,040, cho phép giao hàng từng phần.

Bộ chứng từ về đến ngân hàng, hối phiếu ký phát đòi tiền USD122,040. Tuy nhiên có 2 bộ chứng từ cho 2 lần giao hàng riêng biệt (2 B/L thể hiện tàu khác và ngày B/L khác, Invoice, 2 Packing list, 2 Quality Cert.)

Sếp em bắt bất hợp lệ là đáng lẽ phải đòi tiền riêng rẽ chứ không đuơc Combined payment.

Em chưa rõ vấn đề này lắm. Anh có thể giải thích thêm đuợc không anh.

Em cảm ơn.

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ANSWER

Hi,

Bạn đọc Q&A dưới đây của Mr. Old Man để so sánh với ý kiến của sếp bạn nhé:

WHERE TWO SETS OF DOCUMENTS ARE PRESENTED UNDER ONE COVERING LETTER

QUESTION

Dear Mr. Old Man,

The L/C allows partial shipment. Two sets of documents are presented under one covering letter for full claim amount. However, one set is compliant while the other is discrepant.

1) Can the beneficiary make such a combined presentation?
2) Can the issuing bank refuse two sets of documents because one set does not complying or just refuse the discrepant set and pay the complying one?
3) Is there any ICC opinion on this case?

Thank you.
H.
………………….

ANSWER

1) Yes. However, it is advisable for the beneficiary to present sets of documents under separate covering letters to avoid payment delay where one set complies and the other does not.

2) The issuing bank can refuse the set which does not comply and must honour the compliant one.

3) Yes. Please refer to R670/TA581rev. Here is their related conclusion:

QUOTE
Where multiple presentations are made on the same day under the same L/C, a presenter would be well advised to create individual schedules in order to avoid any potential delays in situations where some presentations comply and others do not.

Where more than one complete presentation of documents is made under one cover letter or schedule for the full amount of all the presentations, the presenter should be advised of the discrepancies in respect of the presentation(s) that do not comply. An issuing bank or nominated bank may request the beneficiary or presenter to provide agreement for the settlement of individual amounts for those presentation(s) that do comply. This does not negate the issuing or confirming bank’s obligation to honour the presentation(s) of documents that do comply.
UNQUOTE

Best regards,
Mr. Old Man