Today I joined agency number 13. "Are you paid via an umbrella company?" asked the consultant. "No," I replied. "I refuse to be paid by an umbrella company." He made a half hearted attempt to convince me, then, when he realised that I wasn't going to budge, and that he was about to lose a teacher, he gave up. My advice to anyone forced to join an UC is to stick to your guns and refuse. ALWAYS insist on being paid PAYE.