My first contact with an IVA company was on the 21st of May and the creditors meeting was 27th of August.
During that time, I think pretty early on, I was advised to stop paying the creditors (or just pay token payment like £2 a month).
I did stop paying altogether and it scared me but by the time creditors were starting to get in touch, the IVA notifications had gone out so they all went quiet and I heard nothing more from them.
I had 0% deals too. I lost them and some interest got added, but not much in the grand scheme of things.
You are trying to enter an IVA and so you must be in financial trouble, just like most people here have been.
If you kept the 0% deals I would guess that it will just mean you survive financially a little longer till they expire.
Good luck, there's a wonderful community of helpful people and experts on here. Stay in touch
ps - if you stop payments and live on your wages you'll stop running up debts. Also you may be able to put a little aside for a "rainy day" during your IVA.