“I am really sorry I have not got the money..whole day I have been going from one money gram to another, I have been to 16 money gram but none have given me the money... All of them told me if the sender is foreigner then they will be not able to pay the money...Foreigner cannot send the money through Western union as well as money gram.. The sender should be Indian origin only then they can pay..”
Is this the fault with Moneygram or the agents in Kolkata? It's hard to believe that all 16 could be wrong (it's upsetting too that the student tried so hard -- I put that down to youth and inexperience.)
This worked, and I eventually recovered two refunds (minus Moneygram's charge).
The situation has improved greatly - I have much worse stories from two decades ago, including the loss of A$2000 (the Indian bank claimed to have not received it). But it is still far from ideal.