If a creditor has not put in a claim the money that would have gone to them will be shared between the other creditors to increase the amount of their debts being paid off. Regardless of claims lodged you pay your disposable income, to be shared between those creditors who claim.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014