diff --git a/app/config.py b/app/config.py
index 5845270..5c67b11 100644
--- a/app/config.py
+++ b/app/config.py
@@ -43,6 +43,7 @@ class Config:
     # SQLALCHEMY_DATABASE_URI = f"postgresql+psycopg2://{DATABASE_USER}:{DATABASE_PASSWORD}@{DATABASE_HOST}:{DATABASE_PORT}/{DATABASE_NAME}"
     SQLALCHEMY_TRACK_MODIFICATIONS = False
     # SQLALCHEMY_ECHO = True
+    OVERRIDE_COLLECTION_TRANCATION_ID = int(os.getenv("OVERRIDE_COLLECTION_TRANCATION_ID", 100))
 
 
     MAIL_SERVER = os.getenv('MAIL_SERVER','smtp.zoho.com')
@@ -60,7 +61,7 @@ class Config:
     BANK_CALL_COLLECT_LOAN_ENDPOINT = os.getenv("BANK_CALL_COLLECT_LOAN_ENDPOINT","/CollectLoan")
     BANK_CALL_TRANSACTION_VERIFY = os.getenv("BANK_CALL_TRANSACTION_VERIFY", "/TransactionVerify")
     BANK_HEALTH_CHECK_ENDPOINT = os.getenv("BANK_HEALTH_CHECK_ENDPOINT", "/system-health-check")
-    BANK_CALL_AUTH_ENDPOINT = os.getenv("BANK_CALL_AUTH_ENDPOINT", "/api/Auth/generate-token")
+    BANK_CALL_AUTH_ENDPOINT = os.getenv("BANK_CALL_AUTH_ENDPOINT", "/Auth/generate-token")
     BANK_GRANT_TYPE = os.getenv("BANK_GRANT_TYPE", "password")
     TEST_NO = os.getenv("TEST_NO", "2347038224367")
 
diff --git a/app/helpers/collect_loan_helper.py b/app/helpers/collect_loan_helper.py
index 7a1e603..369d4b2 100644
--- a/app/helpers/collect_loan_helper.py
+++ b/app/helpers/collect_loan_helper.py
@@ -4,9 +4,9 @@ from app.services.repayment import RepaymentService
 from app.services.loan import LoanService
 from app.helpers.response_helper import ResponseHelper
 from app.utils.logger import logger
-from decimal import Decimal, ROUND_HALF_UP
-from app.services.loan_repayment_schedule import LoanRepaymentScheduleService
-from app.enums.loan_status import LoanStatus
+from app.config import settings
+
+OVERRIDE_COLLECTION_TRANCATION_ID = settings.OVERRIDE_COLLECTION_TRANCATION_ID
 
 class CollectLoanHelper:
     @staticmethod
@@ -27,9 +27,13 @@ class CollectLoanHelper:
 
     @staticmethod
     def _build_collect_loan_payload(loan_data, repayment_data, data, collectionMethod):
-        debtId = str(loan_data.get('debtId', "")).strip().zfill(6)
-        t_id = ''.join(random.choices(string.ascii_uppercase, k=22))
+        logger.info(f"building CollectLoan endpoint with data: {loan_data}")
         
+        debtId = str(loan_data.get('debtId', "")).strip().zfill(6)
+        #this can be overridden based on config
+        t_id = ''.join(random.choices(string.ascii_uppercase, k=22))
+        if OVERRIDE_COLLECTION_TRANCATION_ID == 100:
+            t_id = loan_data['transactionId']
         return {
             "transactionId": t_id,
             "fbnTransactionId": loan_data['transactionId'],
diff --git a/app/integrations/simbrella.py b/app/integrations/simbrella.py
index 6d701bb..9a6a162 100644
--- a/app/integrations/simbrella.py
+++ b/app/integrations/simbrella.py
@@ -18,9 +18,8 @@ from app.services.salary import SalaryService
 from app.enums.loan_status import LoanStatus
 from app.models.loan_repayment_schedule import LoanRepaymentSchedule
 from decimal import Decimal, ROUND_HALF_UP
-from requests.exceptions import SSLError, RequestException,Timeout
+from requests.exceptions import SSLError, RequestException,Timeout,ReadTimeout, ConnectTimeout
 import sys
-from requests.exceptions import  ReadTimeout, ConnectTimeout
 import socket
 from app.helpers.collect_loan_helper import CollectLoanHelper
 
diff --git a/app/utils/auth.py b/app/utils/auth.py
index 6401cbb..34ed4fd 100644
--- a/app/utils/auth.py
+++ b/app/utils/auth.py
@@ -41,7 +41,7 @@ def get_headers():
 
     except requests.exceptions.RequestException as e:
         logger.error(f"Failed to get auth token: {e}")
-        return {"error": "Authentication request failed"}
+        raise
     except ValueError as e:
         logger.error(f"Failed to parse auth response JSON: {e}")
-        return {"error": "Invalid authentication response"}
+        raise