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Recover an HDFC autopay charge with Claude Code and the ombudsman

WorkedEvidence: Described by posterPosted Last checked

Claude Code helped Vishal Jayaprakash win Rs 11,228 from HDFC after a canceled autopay still charged Rs 9,551; refund took 65 days.

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  4. Send it, then read the answer before acting on it.
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Prompt

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What the prompt labels mean

The person didn't share their exact words, so we wrote this from what they described. We haven't tested it, and they didn't use this exact version.

A bank charged my card after I canceled autopay in their app and got written confirmation. Here are the emails, screenshots and timeline. Find which banking rules were broken, draft the internal complaint, and prepare the ombudsman filing after the required wait. Do not invent regulations.

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ChatGPT Gemini Grok Claude

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Our rewrite with extra checks. The poster didn't test it.

Before you start, ask me 1–3 short questions about the details below and wait for my answers. Once I've answered, confirm the plan in one line and run the whole task start to finish.

Goal: Build a documented bank autopay dispute through complaint and ombudsman steps.

Questions to ask me first:
- What was canceled, when, and what confirmation do I have?
- What amount posted, and what has the bank already said?
- Which regulator or ombudsman path applies where I bank?

Inputs (fill in or confirm):
- Bank: [HDFC]
- Cancel proof: [APP SCREENSHOT / MESSAGE]
- Charge: [AMOUNT / DATE]
- Case numbers: [LIST]
- Timeline: [FILE]

Rules:
- Cite rules only with sources I can open.
- Separate bank-first complaint steps from regulator escalation timing.
- Keep a single chronology.
- I submit filings myself.

Checkpoint: Rebuild the timeline and list missing evidence before drafting.

If you get stuck: If a regulation cite is uncertain, mark it unverified.

Verify before you finish: Drafts match the chronology and attach the right exhibits list.

Output: Timeline, rule map, bank complaint draft, and ombudsman packet checklist.

Done when: I can file and track until refund or a written decision.

AI tool

Claude Code

Outcome

Vishal Jayaprakash canceled a gojiberry trial autopay in the HDFC app and received written confirmation, yet Rs 9,551 still posted without the required 24-hour notice. After denials, blame-shifting and nine case numbers over weeks, Claude Code reviewed emails and screenshots, mapped broken rules (no 24-hour notice; charge on a canceled mandate; RBI ombudsman path after 30 days with the bank), and helped file with the RBI Ombudsman. After 65 days the full refund landed, including forex markup—Rs 11,228 total.

Evidence: Described by posterThe person describes what happened in words, without screenshots or video.

Source

Posted
by Vishal Jayaprakash
Last checked
Method:
How we verify

https://www.linkedin.com/posts/vishal-themonkwhocame-back_ai-consumerrights-bankingindia-activity-7476270307692138497-pG0i

Context: Date estimated from LinkedIn's 4-month stamp. Indian banking process; figures in rupees as published.

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