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HELP! just got letter from HSBC offereing me over a thousand in refund, but as i am on a IVA the cheque will be going straight to the IVA company for them to share the funds out?? As i was not in a IVA till last November I believe the charges should be allowed for the cheque to be sent to me as my own money even though I am in a IVA could someone please help i could be totally wrong and they may have to give all the money in refunds if in a IVA?? :? :?

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