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I have a text message telling me that my latest "vehicle tax" payment has failed and I should click on the link immediately to avoid penalty. This is an attempt by fraudster to get my bank details.
I had the same text from a number ending in 745. Quite obvious phishing if you know what you're looking for, came from a 'normal' 07 phone number, 'update' was spelt incorrectly and it was a hooky looking link.
As you say beware though, I generally don't respond to any links in text messages.