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My Payment not yet Transfered to My Bank Account

why My Payment not yet transferred to my Bank Account.the payment sent to me on 5th of this month and today 4th day past.But not transferred to My Account.This is also happen last time with that time i received after 20 days from the date of payment.I attached My United Bank Limited,s account but payment was wrongly sent through Habib Bank Limited.Please Resolve My issue Urgently.