I am currently in an Iva for the last 5 months a credit card was used in April 2017 to pay for an item I have had a problem with this and today I have had confirmation that a full refund will be issued back to the card it was purchased from, I contacted them to say I no longer have that card but it has already been completed and refunded. Will I be entitled to the refund from the credit card company or will they off set it against my debt
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