T1 extension: what if I claim incorrect earning points?

[zcbmm]

Please could someone help me on this.

I know employer pension contribution does not count toward tier 1 earning. But in my case, my employer define the pension contribution as part of benefit funding that forms part of my total remumeration package, and I can choose to either take cash from benefit funding or put part or all into employer pension scheme.

On my payslip, it has:

basic salary
pension funding
benefit funding
pension contribution
various benefit deductions

Gross pay = basic salary+pension funding+benefit funding-pension contribution-various benefit deductions


In this my case, which number should I use as tier 1 gross earning? (basic salary/basic salary+pension funding+benefit funding/gross pay)

I can score enough point even with basic salary only. Can I only claim basic salary as tier 1 earning on the application? would this confuse HO with gross pay?

Also, what if according my understanding, I submit the application claiming for 35 earning points (for example), but HO does not agree with it and they think I can get only 30 points or 40 points based on their understanding of my payslips. But I can still pass the point test even with only 30 earning points.

In this case, would HO still aprove my extension, given I make a wrong point calculation but the correct point still pass the point test?

[nolada]

yes, yes, yes
the points u earn according to Gross (before tax, NI, pension, shares etc)
don't worry much