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Warnings over too-good-to-be true postage stamp offers on the internet, how the government's attempt to get more people back to work could backfire, when a tipple of fine wine might leave a nasty taste in your mouth - a listener tells how she is set to lose 180 thousand pounds after investing in fine wine and have you been left on hold? We hear from listeners who have waited hours on the phone to speak to HMRC advisers. Paul Lewis has the latest news from the world of personal finance.