Sand,
My letter number 4 from SPVA broke down their calc. This allowed me to check their sums which seem correct however, it doesn't fix the problem that the on-line calculator is pushing out incorrect figures for some of us. People are making life changing decisions based upon the on-lne calculator. It MUST be a reliable tool and it needs to be sorted.
Biggus may have identified a reason for the difference in the calcs which highlights a glitch in the on line calculator calcs.
SPVA need to fix the issue and stop asking for £75 + VAT to discuss the problem.
Rgds
Hugh