Kezza
I would be inclined to wait to reclaime your bank charges until after your IVA is accepted. As Melanie says, any money you successfully reclaim will only benefit your creditors anyway so why do anything now which might predudice the way they vote.
By the way, my understanding is that if you go down the bank charges reclaim route, you may have to take the banks your are dealing with to Court which will cost £250. You will eventually hope to get this back if you win your case but you will have to stump it up in the beginning.
For more info on this, why not have a look at
http://www.penaltycharges.co.uk/main_bank_charges.php I believe the guys who run this site are experts in this area
James Falla
Expert in IVA, Bankruptcy and informal Debt Management solutions for over 10 years.
For more information visit
www.jamesfalla.com and visit my blog at:
http://jamesfalla.blogs.iva.co.uk