I would say, try to grit your teeth and get the IVA sorted and get the pension payout deferred until you have completed, at least.
Might I ask who you are with ?
Why did the IVA company keep saying you had to pay the set amount if your Income & expenditure changed?
Usually the IP has discretion to reduce (up to 15%) or can call a meeting of creditors to propose a reduction.
This does not seem to have happened here so sounds strange that they are insisting the payments stay the same. What was their reasoning given please?
Have you notified them and kept all the communication about this in writing?
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