Payments to date should be the total of monies you have paid to your IP. Balance in hand is what is being held to be distributed to your creditors. Usually the Nominees fees are paid first and are considered as owing, so until these are paid a negative balance will show.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
