I guess I'm never going to get the answer to my question...
?
You keep getting the answer to your question:
Does this mean if I owed someone £10.00 I can pay them back like this...?
20 x 1p = £0.20
10 x 2p = £0.20
100 x 5p = £5.00
46 x 10p = £4.60
Total = £10.00
Yes it does mean you could pay them back like that. And if they don't accept it and take you to court you would win the case, because it is legal tender.