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    Well Im sure we've all had these ones. Some of them are so official looking and often from your own bank or building society too. Ive had one recently from Microsoft but my Microsoft one was genuine. Gawd how does anyone know?

    But anyway...in case you get a HMRC one take heed of the above. Although so many have been reported I never actually report it to anyone so Im sure there are many more in circulation than the number reported.

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