Ha ha. Now AY (some finnish accounts team) replied to the chargeback saying "the ticket is not refundable", so the bank's saying "unless we hear anything to the contrary we'll deny the chargeback in a week"

I did call their Gurgaon number and managed to reach their local head of accounts, and explained my case to him, emailed him. He promised to look into it. Fingers crossed - and this is absolutely the last time I book with Expedia, for sure.