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Receiving a letter from HMRC can be worrying, but in most cases, it is simply a reminder of outstanding or upcoming tax obligations. It gives you time to get organised and avoid fines. Make sure you keep good financial records, check deadlines regularly, and seek help if you are unsure.

Suppose you're one of the 1.1 million individuals who missed the 31 January deadline to submit your tax return. In that case, HMRC is...