No -- you cannot incur more debt. Most arrangements alow for up to £500 credit to be taken without the IPs permission -- however, this is intended to cover things like credit meters on utilities and installment covered car insurance and the like ... not catalogues.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
