u/theListe9er

As a software freelancer I have made more than 10 types of financial application but every few days I get a call asking for a software with either dual book keeping or Kachcha Bill Pakka Bill application or ability to delete a transaction completely before creating the monthly gst report. I know this is illegal and personally unethical too for me and the client knows it too but pushes me if I can build. So I am curious now that are there developers who are intentionally building these features? Have you came across any such application? What is the legal consequence for developers if they do this?

Intro: 7+ Years experience with MNCs, migrating their legacy softwares and building tools/SAAS applications from scratch.

Quick self boast: The general idea of my presence in my company is if I am added in a call, we will get to a resolution.

My Area of Expertise: Finding completely invisible Bugs in code. Finding a way to develop any kind of UI/UX Design.

My Cost & Availability: Only Available on Weekends for call. Cost is $30/hour or $100 for a bug fix and review of entire codebase (2 Days time required)

Tech Stack: There are very few tech stack which I have not touched, past 7 years I have worked with Angular & Springboot primarily, but I can help you in Python & React codebases too.

My Credibility: Checkout fun park portfolio at aditya-thakur.github.io, check sparkmithila.com for all the SAAS softwares I have built. This is what a fun project looks like for me - timeloom-eta.vercel.app

**Pre story you can skip :**

Last year I bought a term insurance, this year I wanted to surrender that because I bought a different one from another bank. I send a surrender email on exact renewal date in the morning. They replied in afternoon giving a link to follow. Link produced error, emailed them, they asked to submit multiple documents to continue surrender from backend. Next day evening I got a message from my bank that second year premium has been deducted.

**Main story part :**

I had never given any consent for enach mandate during policy purchase. Raised a complaint to bank that why was I not informed about deduction as per RBI rule and raised a complaint to insurance company (IC) that why did they deduct premium after Initiation of policy surrender. Bank said they got a file from the IC to deduct. IC said they sent the file because I had chosen eNach and thus. I said I never chose, they sent a SI form with my name and signature on it, and god oh god what a terrible copy of my signature it was. I replied to them that I am stating under oath I have never seen this SI form in my life and that is not my signature. Plus I raised a complaint on both RBI Ombudsman (CMS) and Insurance Ombudsman (IRDAI). Attached both numbers. Then they asked for my current signature, took 8 days for forensic investigation, found that my signature waa forged, accepted it and completely canceled my policy from inception. Returned premium amount of both years and asked if I am satisfied. After the full settlement I sent the email as to close the issue.

**Advice :**

Throughout the process I took help from gemini to write the emails and always pressed them that I will take the matter to Ombudsman and after raising the issue on Ombudsman, I always mentioned that number. I was quick in my response to both the entities and got my money back. If you are in any such situation, take help from these LLMs to draft your mail, **do not reveal your financial info to LLMs** but it will help you press these intities where it hurts.

Pre story you can skip :

Last year I bought a term insurance, this year I wanted to surrender that because I bought a different one from another bank. I send a surrender email on exact renewal date in the morning. They replied in afternoon giving a link to follow. Link produced error, emailed them, they asked to submit multiple documents to continue surrender from backend. Next day evening I got a message from my bank that second year premium has been deducted.

Main story part :

I had never given any consent for enach mandate during policy purchase. Raised a complaint to bank that why was I not informed about deduction as per RBI rule and raised a complaint to insurance company (IC) that why did they deduct premium after Initiation of policy surrender. Bank said they got a file from the IC to deduct. IC said they sent the file because I had chosen eNach and thus. I said I never chose, they sent a SI form with my name and signature on it, and god oh god what a terrible copy of my signature it was. I replied to them that I am stating under oath I have never seen this SI form in my life and that is not my signature. Plus I raised a complaint on both RBI Ombudsman (CMS) and Insurance Ombudsman (IRDAI). Attached both numbers. Then they asked for my current signature, took 8 days for forensic investigation, found that my signature waa forged, accepted it and completely canceled my policy from inception. Returned premium amount of both years and asked if I am satisfied. After the full settlement I sent the email as to close the issue.

Advice :

Throughout the process I took help from gemini to write the emails and always pressed them that I will take the matter to Ombudsman and after raising the issue on Ombudsman, I always mentioned that number. I was quick in my response to both the entities and got my money back. If you are in any such situation, take help from these LLMs to draft your mail, do not reveal your financial info to LLMs but it will help you press these intities where it hurts.