Hi I have no intentions of sending & will definitely be opening a UPI. Judging from this person's previous actions I can guarantee that she has no intentions of paying & has used bank deposit because she thinks if its marked from her end as paid that I won't be able to do a UPI (which I've already done on her first ID.) For some reason she has decided to play these games & I have no idea why. When I opened the first UPI I explained why I was doing it this way & she said OK, but obviously it wasn't OK!! Live & learn from these experiences.