Thanks, I’ll stop using contactless and go to e-ticket Harlow to Tottenham Hale (£8.10) and then TfL contactless on the Underground (£3.30) as it works out 50p cheaper overall.
Does seem strange the off-peak is much cheaper by splitting the National Rail and Underground parts, compared to the peak where it was the same (11.20 + 3.80 by splitting vs £15 by contactless) but since the TfL price increase its now 10p more to split (11.20 + 3.90).