Right objective views please on options for pay pros and cons.
PAYE
Umbrella scheme
Others? (Self employed not an option at the mo)
Which will apply a thicker lining to my pocket with overall pay expenses etc?
Thanks in advance.
every chance you won`t get a choice.a lot of agencies require you to either go umbrella or ltd company after 12 weeks
^^^^^ Every one that does, doing bother working there - it’s their way of getting out of paying parity after 13 weeks and AWD which applies to PAYE otherwise. - Unless the Self-Employed hourly rate is over £15ph of course, but I’m not waiting to be told that’s the case here shall we say… 
When you’re “required” to do anything that is not the law of the land, chances are it’s to enrich the firm at your expense. 
stevo101:
Right objective views please on options for pay pros and cons.PAYE
Umbrella scheme
Others? (Self employed not an option at the mo)Which will apply a thicker lining to my pocket with overall pay expenses etc?
Thanks in advance.
umbrella scheme is self employed so if you cant be self employed then you only have one option
You can’t be forced one way or another.
If however, you’re one of ten drivers registered with the agency, I would imagine that the other 9 all on Umbrella whilst you’re PAYE will be out working before you are. It’s all well and good being PAYE but ultimately having no work because of it is going to see you worse off regardless.
The red tape ensures that you can’t be discriminated against in terms of your gender, ethnicity, religious view etc. however it doesn’t stop you being discriminated against based on how you’d prefer to be paid.
With any of them however, I would strongly recommend you track your expenses and claim everything you can - reducing your tax is certainly a means of looking after your pockets.
Is there a definitive list anywhere of what can and can’t be claimed
FreddieSwan:
You can’t be forced one way or another.If however, you’re one of ten drivers registered with the agency, I would imagine that the other 9 all on Umbrella whilst you’re PAYE will be out working before you are. It’s all well and good being PAYE but ultimately having no work because of it is going to see you worse off regardless.
The red tape ensures that you can’t be discriminated against in terms of your gender, ethnicity, religious view etc. however it doesn’t stop you being discriminated against based on how you’d prefer to be paid.
With any of them however, I would strongly recommend you track your expenses and claim everything you can - reducing your tax is certainly a means of looking after your pockets.
Yup, that’s about right. Stinks doesn’t it? If you’re not willing to be fiddled, you’ll get passed over for work. Might as well not bother at all with that agency of crooks, who’ll force you to sign up to such a fiddle using loopholes in the law to get around any comeback trouble over it. 
There’s no law that says “You can’t make a profit running an agency unless you steal your workers wages”, so it’s a pure optional line some agencies have taken making that open-eyed choice to RUN such a scam as “Umbrella” in the first place. 
Options should be PAYE or Limited and that’s your lot. It’s high time a few of the crooks went ■■■■-up, because drivers are leaving them in droves, now the economy is supposed to be getting “a bit busier” (as opposed to “more profitable for staff”)
Had an email this morning inviting me back to a job (via agency) I dictched 2 years ago. I’ll probably enquire as to the same fiddles running, which is why I left in the first place. Maybe I’ll get a pleasant surprise, and this particular outfit have since cleaned up their act? - Who knows? 
I was happy with the hourly rate on the days I wanted to work (weekends) but wasn’t happy about it costing me a fortune in fuel commuting, without a penny towards expenses, but a deduction made regardless as if I was in some kind of umbrella without my knowledge. No one would tell me the truth when I asked directly “What is this deduction for?” so after a couple of shifts got cancelled at the last minute by them, I walked away. I note the person inviting me back is someone “new” at the same office. Hmm…
So are we saying that PAYE is the better option if I can swing it?
stevo101:
So are we saying that PAYE is the better option if I can swing it?
Not in my book 
Torkey:
stevo101:
So are we saying that PAYE is the better option if I can swing it?Not in my book
How do you come to that startling conclusion given most of the things you claim as expenses self employed you can also claim on PAYE?
stevo101:
Right objective views please on options for pay pros and cons.PAYE
Umbrella scheme
Others? (Self employed not an option at the mo)Which will apply a thicker lining to my pocket with overall pay expenses etc?
Thanks in advance.
Correct me if I’m wrong but I believe you currently have a full time job, so are you thinking of changing the way you’re paid or going to an agency ?
Sadly I’m not on a full time job. There were a few issues. Hence I’m now agency as of this week. As yet I’m to decide which would be better for me the umbrella or agency.
I hoping it will only be short term till a full time position comes out of the blue that I can go for.
Sorry to hear that
As has already been said if you go PAYE you will be at the bottom of the ladder when jobs are given out, agencies make more money out of people who are either limited company or paid through an umbrella company so will generally give work first to people who are not on PAYE.
Good luck
3 weeks ago I started with an agency and was encouraged to go with an umbrella company.It was going to be short term anyway,3 months max I thought (umbrella). Now yesterday I met with an accountant to go ltd because out of £1325 for 2 weeks work this umbrella company put into my bank £939.For me that’s to much money out of my pocket, and the reason they gave was to keep the rest back for my end of year self assessment.i told them I don’t agree that, I thought I was working for myself as self employed and I might as well work for them.
That’s interesting feedback. So from the point of view of being kept in work umbrella is the option.
As fort the extra deductions when you finish with the agency surely you can get that back from them or the tax man at some point??
stevo101:
That’s interesting feedback. So from the point of view of being kept in work umbrella is the option.As fort the extra deductions when you finish with the agency surely you can get that back from them or the tax man at some point??
I was told the other day that if umbrella company goes bump you are still liable for your own tax to find.
I’ve been told I have a choice of umbrella company.
Plantilla
Inland solutions
Gain advantage.
Does anyone use these or can give me pointers what to look out for when choosing one.
‘Apparently’ the agency has found plantilla the best.
They’ll normally be honest, but simply ask - what do each of them charge?
The ‘better’ ones likely have a flat fee based on an earning up to £x and a higher flat fee for above £x. Those that scale with percentages will just mean the more you earn, the more you lose. If you’re paying ~£15 a week flat fee for an umbrella service, you’re probably earning a decent enough living and your overtime won’t be affected.
Also, do they have an expenses system set up? And how is your holiday managed?
The umbrella we use atm pay holiday upfront, so opposed to it accumulating in an umbrella ‘pot’, it’s paid upfront every week. Just means when you’re taking holiday, you’re taking time off and should have budgeted for it from your earnings rather than being paid whilst you’re off. In terms of expenses, they have a really simple spreadsheet not dissimilar to a timesheet, so really easy to work with.
Unfortunately it’s none of the above and I’ve never dealt with them either!
went back to agency and told them up front PAYE only, they said head orifice wont like it but tough they’ll have to lump it 
so I’m one of very few PAYE drivers on the agency and guess who gets the work
I am back on PAYE. I tried umbrella and they charged me £27 per week. I asked abou claiming the mileage etc. and they said you can only claim for above minimum wage as the Government don’t pay you mileage up to that figure so I guess they meant to say the tax ceiling. Anyway after working out what I actually claimed tax relief on, most of it could not be claimed because I don’t earn enough.