You need to at least try to head off the IVA being failed. Once that is sorted you will need to address why this happened -- is your budget too tight ? Are you getting all of the allowable expenses covered, or have you missed something ? Or, are you simply overspending? In which case you are going to have to pull your belt in. A new I&E might be in order, but, by taking out further credit, you are already on thin ice.
Are you not able to live within your means and afford your contributions? Has there been an error in calculating your payments or have there been changes to your income and expenditure that need a review?
Alternatively are you spending money on non essential items?
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