| {"refusal_id": "7f70e92f-edc8-45d4-aadd-e2e2e2a03b9e", "ts": "2026-09-28T11:23:36", "case_id": "CS-2026-960832", "golden_id": "G-0451935", "decision": "override", "attempted_action": "sms_payment_link", "recommended_action": "settlement_offer_review", "reason": "sms_payment_link cannot reach the customer: every channel it uses is blocked (sms by R06-CONSENT (POL-COLL-001 \u00a75.3)).", "rule_ids": ["R06-CONSENT"], "agent_id": "AG-1294", "agent_reason": "Customer already paid / payment in flight"} | |