Your bank should send the money to your old IP for distribution to your creditors as it was an asset of your IVA.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
The bank is not entitled to use the refund to offset a debt that was dealt with in the IVA, but the money belongs to the IVA anyway and not to you, so it isn't worth challenging.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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