Hi nb and welcome to the forum
Your post seems to indicate that you have disposable income of £800, so (without taking account of ongoing interest charges) you would be able to repay your debts in 25 months. In such circumstnaces it is unlikely that an IVA is suitable for you.
If your car is on hire-purchase, you will need to maintain the payments to ensure that the car is retained.
I must stress that I am just one of the experts on this forum, and that you would be wise to seek other opinions before deciding on the right way forward.
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
For further details contact me at
http://www.melaniegiles.com and view my IVA blog at:
http://melaniegiles.blogs.iva.co.uk