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Re: Reclaim Your Bank And Card Charges
The bank cannot "back out" of an IVA (providing the debtor hasn't broken the terms) as it is a legal agreement. If you reclaim the charges and offset them against any monies due under the IVA you are not contravening the monthly / weekly repayment terms (you're simply using money the bank have misappropriated from you to pay off your debt to them earlier).
The bank will not be in a position to issue court proceedings for recovery as long as you have not defaulted on the agreement - see above.
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