Refunds - paying more than cash & credit available

 Hi

We are using Oracle Financials to record AR transactions that occurred in another system. One problem this raises is that Oracle AR will not allow us to refund more than the sum of available credit memos and receipts on a particular customer. In practice, we can find ourselves in this position if, for instance, we agree to refund a customer, and then same day the customer's bank takes the money by Indemnity Claim. Surely other companies must occasionally over-refund a customer? How do they deal with this in Oracle AR?

I'd be grateful for any suggestions.

Kind regards

Warren