Hi ella and welcome to the forum
I don't think an IVA is the right solution for you given that your income is solely derived from state benefits. Creditors will generally not accept cases on this basis, although they oddly do not seem to have the same difficulty when lending the money in the first place!
From what you are saying, coupled with the fact that your debts do not appear to be reducing, I would have thought that bankruptcy proceedigns are a better option for you. Do you own a property with equity in it?
Your car would probably be safe under these proceedings, and I think that it would be very unlikely that you would be required to make any ongoing payments. Have a good think about things, and take direct advice from an insolvency practitioner if you wish further clarification of your options.
Good luck!
Regards, Melanie Giles, Insolvency Practitioner for over 20 years.
To have me propose an IVA for you, please visit:
http://www.melaniegiles.com/ivaEnquiry.asp
See customer feedback at:
http://www.iva.com/iva_companies/IVA_Advice_Bureau.asp