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Underpaid tax credits

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I was fairly confident I would be paid less in 12/13 than 11/12 but left it the same with tax credits as a couple of years ago I was overpaid a lot due to a maternity bonus for returning to work that I never factored in and never wanting to be in the situation of being overpaid again.
Anyway I've now got 1 payslip left before the tax year ends and it will be the same as last month so I know my income for sure now. It's about £7000 less than last year so quite a difference. Can I phone HMRC and let them know now or do I have to wait for renewal time? I vaguely remember having a potential payment another year so would this be the same in that they would just keep the underpaid amount as a potential payment until renewal and I'd keep getting the same amount just now anyway so, in effect, pointless telling them just now?

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