ANSWERS: 2
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It depends on the bank some have in your contract. For example in the contract I use we state that any fees that are incurred on your account due to repossession is your responsibility. If you bring you loan current you are then required to pay for the repossession charge and any storage charges that may have been charged as well.
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I think the bank will add it on to your loan. If the recovery place allowed you to get it back without paying them I would assume it is taken care of one way or other. But I am sure it will cost you in the end. No bank is going to eat the fees for anything.
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