Looking at your summary I suggest that you need to start from the very beginning and look at all the decisions and their justification.
In particular
We terminated a claim back, due to a full exemption being applied for ctax purposes for the claimant Mr.
So, on what grounds was the claim terminated? Did Mrs actually make a claim?
Are the initial points that jump out at me.
Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery. The blossom is blighted, the leaf is withered, the god of day goes down upon the dreary scene, and—and in short you are for ever floored.
Wilkins Micawber, Ch12 David Copperfield
