Disproportionate bond gains

Has anyone been through the process of HMRC arriving at a conclusion that the gains on a bond are "wholly disproportionate"? I'm just wondering what the mechanics of its calculation is. From what I have read on some provider websites it isn't simply a case of doing a CEC "as if" segments were surrendered rather than a withdrawal across segments.

Also if HMRC does recalculate what impact does this have for future CECs for the bond?

Many thanks.

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