When the System Gets It Wrong: What to Do If Debt Collectors Contact You Despite an Active HMRC Payment Plan

If this happens to you, keep it simple:
• Check your payment plan is active
• Call HMRC (not the debt collector)
• Confirm you are up to date
• Ask HMRC to recall the case
• Inform the agency briefly — no long explanations
You are allowed to stay calm and structured.
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