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As money gets tight, being told you don鈥檛 have enough for a direct debit might become less unusual 鈥� but it could be also be a scam. In December 2022, Rav Wilding warned of 鈥減hishing鈥� emails claiming to be from the DVLA and TV Licensing, telling people their payments had bounced back and they needed settling now. Rav explained how checking email addresses and spelling could help you spot a fake.