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If for a particular tax year the "income used at finalisation" is lower than the actual final income you gave them, then they have applied the disregard and just not used the word "disregard". It may be worth asking for a call-back from a supervisor at tax credits with a request to talk you through the paperwork because you don't understand it. We did that when I couldn't make the figures add up.
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Oct 9, 2012