A question for those that like me settled.

I settled late 2019 with a 20 yes 20 year TTP, I will be way past retirement age. The settlement TTP was as we all know based on no more than 50% of disposable income.

Since then the Cost of living crisis + increases in fuel prices has completely wiped out my disposable income.

Any views/advice ? Has anyone contacted HMRC to discuss this as I am sure many will be in the same position?

Thanks