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working tax credits.

I know that alot of people have problems with the working tax credits and after claiming them for 4 years - with alot of bother - i have read that you can reduce your income if you pay a private pension. i'm not sure if i understand it right so if anyone has advice i would be happy to hear. my husband is self-employed so his accountant takes in some of his pension into his end of year accounts - does this mean i can not deduct his private pension amount from his income as part of it is taken in?

any help in understanding this complex benefit system would be greatly appreciated,
Thanks.
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