Both seem fairly typical to me. For the first, "payment of bill" as it appears in that sentence is odd phraseology to me. And a bill in $ for folks in the UK is a bit odd too - or at least it sounds odd to me. Plus it seems MS SmartScreen picked up on it so it doesn't have any new sophisticated tricks to get by scanners. And finally, a .zip file attachment is another red flag.
And in Tom's sample, it says, "Please revise your error details is in the attached file." - clearly poorly written - raising red flags.
