What is this letter asking me to do, and by when?

Three lines up top: what it is, what you have to do, and by when. Then what’s unclear, missing or off.


When to use
When an official-looking letter or bill arrives and you’ve read it twice without knowing if it matters.
Time
5 min

The prompt

This came from and I can’t tell what it wants from me. I’m in . I’ve removed my name, address and any reference or account numbers. Start with three lines: what this is, what I’m being asked to do or pay, and by when. Then explain any term most people wouldn’t know, and tell me what it says will happen if I do nothing. Point out anything unclear or missing, and anything that looks like a scam, with a way to check that doesn’t use the contact details printed on it. Stick to what’s written here, and don’t guess at rules it doesn’t state. If this looks like a legal, tax or debt matter, say so and name the kind of adviser or free advice service to take it to. Here’s the text:

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