but not all chlorine is bound (i think)to the chloramine
Only your water plant knows what they add into water

Our water plant doesn't add free chlorine, only chloramine.
Still, chloramine dissociates and there is chlorine/chloride in water.
chloramine is a compound made from 1 part amonia 5 parts nitrite =chloramine
Hmm.. Where is chlorine, Cl2?

NH3 + NO2- is probably something else than chloramine...
now not all water has chloramine meaning that the chlorine cant be bound it is free and floting in the water by leaving it 24 hur makes it disaper
Our water plant made a test. They put water in a glass and left it alone. After 11 days there was chlorine 0,03mg/l (from 0,33 mg/l). So it's quite slow process. Bound chlorine has slow reactivity.
but the other problem being ...amonia from fish waste is in your tank (maybe example
It's simple chemical fact that, if your water is acidic then there cannot be NH3. Ammonia has changed into ammonium -ion, NH4+. It isn't so harmful as NH3 and nitrification bacteria use it as food like plants use it like nutrient, so it's simply disappear from water. If your water is basic, then they can be ammonia in water - which makes ammonia test important for people who has pH over 7. Better way is to check first from your water plant, how much do they add chloramine into water and check it from your tap water too. If there isn't lot of it, you can "safely" change water. Bacteria use it quickly.
you add this and would be mixing amonia from the tank waste and chlorine if not completly got rid of
which can then mix creating the compound chloramine
Maybe not
If there is ammonia in your tank, there is something wrong: there aren't bacteria enough, or they have died(?) or filtration doens't work, too much food, too much fishes... Ammonia as nitrite levels must be 0,0 mg/l if you are going to keep fishes in that tank.