I realised someone was attacking me, so i went to my ship and tried to click repair. it tried to repair me, it used my money and the cooldown popped. but it didnt repair me because i got disabled at the same time as i clicked repair. so now im stuck with a 5 minute wait and another 200mil to repair, and i got raided because my internet isnt fast enough.

Ive had this happen multiple times. always when taking a beating whilst online..
ive repaired while i still had hull ( to all appearances) id pay my fee, cause I watch my credits when 'actively' fighting (because it has happened so many times) and when i click repair, it takes the credits and leaves you disabled... then i get the msg saying i was disabled (guessing a little lag is the culprit) but I should still have been repaired in either case of catching it in time or not.... wouldnt ya think.
i get around it with using repair nanos, shield restorers, time manips etc.. yeah it sucks, but its funny to me to make someone really work for their kills

From what I've heard, it works the same with repair nanos. If you use one at the same time as the disable, you use it, but don't get the benefit.