IPs have found when putting forward proposals that creditors are not keen on HP payments which are higher than the amount being paid into the IVA nor if a car has just been purchased on finance. Basically any IVA provider- who charges no upfront fee and who know what they are up to - would be able to advise whether it was worth trying.
An IVA proposal is your proposal - you can include whatever debt you like - however, creditors are canny creatures and they are not keen on some creditors being prioritized and being paid in full whilst asking them to take only a dividend.
Basically a debt advisory company would need to look at your situation in full and advise from then as there are many permutations - NDL, CCS and Payplan can advise free of charge! IVAs cannot be done independently and have to be done through an Insolvency Practitioner.
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