I suspect my iva provider paid a commission to the creditor that referred me to them, does the happen and should the payment have gone towards what was owed to that creditor?
Many IVA providers pay an "introducers fee" to firms that provide leads, or a "packaging fee" to those that actually do the leg work and assemble all of the requred information. The payment will not form part of the creditor's dividend and should be accounted for in the normal course of business.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014