Sales is complete when you give a product & get the value or the money.If the product had been given on credit then interest is to be charged for the same period. Normally to acheive the sales target such things happen .The target should be such that it should be acheivable or else it would only be credit sales & no revenue will be realised. Retention of clients is must but not at the cost of losses.Good clients will always be with you if you provide the right type of service. Penalising the client will be good only in the short term.But clients and organisation are meant to be long term. Corrections are to be taken at branch levels. Branch Managers should be made responsible for right information.Any misleading infomation to be credited from the Branch's salary. Training to be given to all employees on cases pertaining to fraud,so that they do not commit such fraud.The final consequence of such frauds should also be made public.