I thought the max a player could transfer on then was 20mil gil (and 5mil per retainer)? If so then you would have only lost 5mil and not 15mil if the entire 25mil was actually on your character before the transfer. But yeah it does mention gil limits when you are completing the transfer form online, so it's possible you didn't read it or misread it. SE also have no way of confirming whether a player has a disability, (not that I'm suggesting in any way it's being made up), so just think if many players used this reasoning to get something returned, it could be open to abuse you know. Still GMs can use discretion for certain things but it's down to them to follow the TOS as well.