But if I've done nothing wrong, surely I have nothing to worry about?
Unfortunately, you have. The RIPA also includes powers to combat the use of encryption by criminals, the theory being that if the police can unscramble evildoers' messages, we won't get another 11 September. Under the Act, the police can demand any message is decrypted, regardless of whether the sender is suspected of a crime. So if you've scrambled a message and forgotten or lost the decryption key, you could face up to two years in jail.