Visa refused - V4.2 (a) (c) - Incorrect Decision
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The refusal letter you received should also have included text telling you that you have no right of appeal in respect of this decision.
Your recourse is to apply again, ensuring that you have addressed the reasons given for refusal. In this case, a simple cover letter explaining the issues as you have outlined them here might suffice. Be polite and to the point.
However, be sure that you fully understood the letter you received before applying again. If you haven't you risk a second refusal and it will become much more difficult to get a visa thereafter.
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