No kidding. T-------- Personnel have written to all their associates today. They have finally decided to scrap Umbrella Payroll, and about time too. I hope that most of you will see this as good news and hope that it triggers a house of cards effect very soon. Here is what they have to say. (Don't you love the tone?) "Due to the recent changes with Umbrella Companies that the HMRC have brought in, you should now be aware that we no longer use them, unless you specifically request it. We are aware of many other agencies still using Umbrella companies, so why don't T Personnel Ltd? Quite simply you lose money! And we don't want that! The main change is that you can no longer claim expenses and added with the cost of using an Umbrella Company, accompanied by you paying the employers NI, you earn a lot less! I am contacting you to show how T Personnel's PAYE option means you earn more, for less… Let me explain… For example as an SEN Teaching Assistant (experienced): If Teaching Personnel pays you £65 per day, and you work for a week, you will take home: £281.91 If Agency A, who pays you through an Umbrella Company, pays you £65 per day, and you work for a week, you will take home: £230.93 earning £50.98 per week less than being paid through Teaching Personnel's PAYE, that's £203.92 per month (on average)! If Agency B, who pays you through an Umbrella Company pays you £80 per day, and you work for a week, you will take home: £281.93 2 pence more per week than earning £65 through Teaching Personnel. So although you may feel that you are earning more through other agencies, if you are being paid through an Umbrella Company, you may actually be earning a lot less! And even when you feel you are earning less through Teaching Personnel Ltd, you are in fact taking home more than you would on a higher rate through an umbrella company! We welcome any calls in regards to discussing your pay, in regards to our PAYE, Umbrella Companies, or other. *The figures above are worked out on a generic example. Actual take home pay may vary slightly due to your tax code and any other circumstances. Thank you for your time and we welcome any questions," Who'd like to go first?