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child tax credits

i rang to tell the tax office that my husbands wages have gone down from about 700.00 wk to 500.00 wk but may increase again later in the year. i was told that i will have to wait until his wages go up again so that they know how much they owe me.At the time i said ok as didnt want to end up repaying them money.But we are now struggling and need extra money. does this sound right do i have to wait. thanks in advance
unsecured loan £19000 :(
unsecured loan £22000 :(
mortgage £140000 :(

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