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    Many people dont claim these because of the complexity. Dealing in finance matters as I do even my heart drops when that pack comes through the door.

    Crazy system and many self-employed will not have the information to hand in time for the deadline and estimating net profit is often not a straightforward process even for someone like me (more so me because of the complexities of by businesses and income streams). I expect to be well above the level for CTC this year anyway so it may not matter. My pack has been sitting in my in tray for ages and I have simply avoided looking at it...

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