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the bank have refunded me and so have the loan company - is this correct?
Right I see what you mean.
No this is clearly a mistake.
What you need to do is put the money in a savings account.
You can't keep it as it does not belong to you.
As you know the DRO gives you some breathing space.
You therefore need to contact both of them and ask them to sort it out between yourselves.
Clearly you cant owe it twice, so you will have to pay one of them back
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