I Have Finished My Iva 3 Months Ago And Have Asked For All My Bank Charges From 4 Different Banks.............. The Problem Is Egg And Capital One Still Show Me Have A Negative Balance Even Though My Iva Is Completed So What Do I Say And Do? I Am Frightened Ill Win My Charges Back And They Will Try And Claim Them........... Is There A Letter I Can Send Them To Clarify This?