Do whatever you need to do to put food on the table. It’s rotten having this happen at any time but always seems to feel worse at Christmas
Umbrella companies make agents look like saints. If they can rip you off or rob you they will and smile at you while doing it.
Do you have any mates you can work through while you job hunt? Or look for an agency who offers PAYE as with Umbrella or Ltd you will need an accountant at some point and that will cost you.
Somewhere out in the wilderness they may be a decent and honest umbrella company. I believe that as I am 6’ tall, blonde with a brain 