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  1. Replies
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    For every £1000 of your tax-free element you...

    For every £1000 of your tax-free element you withdraw, £3000 is moved to a crystallised pot (this is the 75% taxable element). You can withdraw from the latter at any point (you don't have to...
  2. Replies
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    My understanding is that making a such a...

    My understanding is that making a such a withdrawal (i.e. making use of the small pots rule) will not trigger one's MPAA. Hence the advantage of doing so.
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    ... unless you can make use of the Small Pots...

    ... unless you can make use of the Small Pots rule.
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    Two of those on your list are discussed here:...

    Two of those on your list are discussed here:
    https://www.contractoruk.com/forums/umbrella-companies/139337-giant-contractor-umbrella.html
  5. Replies
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    In case you've not already seen it, there are...

    In case you've not already seen it, there are specific reviews on Umbrellas & their participation in CJRS
    Find fairer IR35 & CV19 clients, agents & brollys. OffPayroll.org.uk
    Bear in mind that one...
  6. Replies
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    I suspect that many brollies may have ended their...

    I suspect that many brollies may have ended their participation in the furlough scheme after July, when the employer was expected to start contributing some of the wages. I've not really seen much...
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    Whilst I understand the pitfalls & downside of...

    Whilst I understand the pitfalls & downside of brollies furloughing contractors who were eligible, they’re obviously not showstoppers as a great many umbrellas (seemingly the majority) did...
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    My late payments were a result of CU...

    My late payments were a result of CU raising/submitting the agency invoice after the deadline, despite prompt completion of my timesheets.
  9. Replies
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    Late payments was a persistent issue for me...

    Late payments was a persistent issue for me during my time with CU.
  10. Replies
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    For good advice on choosing an appropriate SIPP,...

    For good advice on choosing an appropriate SIPP, your question would probably be better answered on this forum:
    Pensions, Annuities & Retirement Planning — MoneySavingExpert Forum
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    Contractor Umbrella is definitely a company to...

    Contractor Umbrella is definitely a company to avoid, and you may find that most positive reviews relate back to their previous ownership (Lucy). See these two threads for a starter:...
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    Good luck with that, Lucy. Whilst one...

    Good luck with that, Lucy.

    Whilst one obviously has to treat these reviews with caution, one fact that is beyond dispute is that Contractor Umbrella refused to furlough any of their contractors,...
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    Fair comment, especially as one can't be sure how...

    Fair comment, especially as one can't be sure how genuine these reviews are.

    Ironically I've just noticed Clarity Umbrella has their first review on this site, short but not-so-sweet, claiming...
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    I recommend that you look at this site which has...

    I recommend that you look at this site which has reviews relating specifically to the CJRS:
    Find fairer IR35 & CV19 clients, agents & brollys. OffPayroll.org.uk

    Some umbrellas were very good at...
  15. Thread: Furlough pay

    by Wary
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    Sounds like a good idea to me.

    Sounds like a good idea to me.
  16. Replies
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    Yeah, you provide an excellent & conscientious...

    Yeah, you provide an excellent & conscientious service, as has been demonstrated by the fact that you refused to furlough any of your contractors whilst a great many other brollies were doing so.
    ...
  17. Replies
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    Yeah, the good Contractor Umbrella reviews seem...

    Yeah, the good Contractor Umbrella reviews seem to mostly date back to the previous ownership (Lucy).
  18. Replies
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    There are already some threads advising to avoid...

    There are already some threads advising to avoid Contractor Umbrella that you may like to read.

    I'd recommend that you look at this:
    Find fairer IR35 & CV19 clients, agents & brollys....
  19. Replies
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    There's already a very recent thread on this...

    There's already a very recent thread on this forum about them that you may wish to read if not already done so ... and yes, I had this issue on multiple occasions.

    The positive feedback that...
  20. Yes, it was by me proactively reconciling the...

    Yes, it was by me proactively reconciling the amount uploaded against my payslips that this came to light. The other issues I listed such as missing payments & incorrect pension deduction required...
  21. During my relatively brief stint with CU, whilst...

    During my relatively brief stint with CU, whilst I wouldn’t want to portray my experience as being totally negative, I have experienced a number of issues including:
    - invoices raised late (& hence...
  22. Thread: JSA and Furlough

    by Wary
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    I think you can still claim New Style JSA which,...

    I think you can still claim New Style JSA which, unlike UC, is not means tested. So you don't need to provide details of savings, but only to have made sufficient NI contributions over the past 2/3...
  23. Thread: JSA and Furlough

    by Wary
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    My understanding (someone please correct me if...

    My understanding (someone please correct me if I'm wrong) is to that apply for JSA/UC, I'd need to first end my employment with the brolly … at which point there would be no chance of ever being...
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    The feedback I received earlier this week is that...

    The feedback I received earlier this week is that it is still being looked into internally.
  25. Replies
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    I'm with Contractor Umbrella. I meet all of...

    I'm with Contractor Umbrella. I meet all of Parasol's three stated criteria, but the last word from them (and I don't think they're by any means the only brolly taking this stance) is that at this...
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    Anyone with an Umbrella (or know of any) that...

    Anyone with an Umbrella (or know of any) that have agreed to participate in the CJRS? I've just seen on the Brolly forum that Paystream has apparently agreed to furlough their employees, albeit at...
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    Latest from FCSA: We need answers and we need...

    Latest from FCSA:
    We need answers and we need them NOW, says FCSA chief executive Julia Kermode • FCSA FCSA
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    I'm in a similar should-I-stay-or-should-I-go-now...

    I'm in a similar should-I-stay-or-should-I-go-now position. I'd need my P45 to claim Universal Credit, but this would presumably close the door on any possible furlough claim.
    I emailed the FCSA...
  29. Thread: Umbrella Furlough

    by Wary
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    Umbrella Furlough

    Has anyone heard anything definite on whether their Brolly intends to participate in the furlough scheme as yet? I'm with Contractor Umbrella and although they previously informed me that they...
  30. Replies
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    I recently changed from outside-IR35 to brolly at...

    I recently changed from outside-IR35 to brolly at renewal, something that I was OK about as I believe my role has significantly changed from when I first commenced - hence my status is now more...
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    I went for an interview through them last year...

    I went for an interview through them last year but they didn't bother to let me know I hadn't got the contract. I only discovered a week later after I twice chased them. The agent had gone on...
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    Around 4 years ago, after failing to convince me...

    Around 4 years ago, after failing to convince me that it was in my best interests to opt out, the agency phoned me a couple of days later claiming that work regulations state that if I choose to opt...
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    1) Personally 2) Me (based on my working...

    1) Personally
    2) Me (based on my working practices)
  34. Replies
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    Apologies. No, the agency just pay the monthly...

    Apologies. No, the agency just pay the monthly gross invoices into the company account. My accountants run the payroll.
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    They should have been aware as I actually...

    They should have been aware as I actually e-mailed my accountant in April 2016 to inform him that these occasional trips (with the occasional overnight stay) were not to my usual place of work, to...
  36. Replies
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    I have to invoice the agency for the gross amount...

    I have to invoice the agency for the gross amount as shown on the receipts (can't add VAT on top of this) and this is what they reimburse. It is this amount (minus the flat VAT & 5%) which goes into...
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    Thanks all for the responses. Unfortunately the...

    Thanks all for the responses. Unfortunately the main amount relates to 2016/17 for which the accounts have been filed. Alas this could have been nipped in the bud when they were still in the draft...
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    Thanks for the latest info. Looks like my...

    Thanks for the latest info. Looks like my accountants have messed up big-style.

    Won't name names at this stage but they're one of the big-boys. This goes back to at least the beginning of...
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    Thanks all for the responses. These are...

    Thanks all for the responses.

    These are legitimate expenses, in that they've been for the occasional stay-away-from-home when working at another office. If I've understood correctly, they should...
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    Invoices For Expenses When Inside IR35

    I'm have my own LTD company and am inside IR35. If I incur any expenses (hotel, meals etc), I have to raise an additional invoice and my agency will reimburse my company.

    Must this also be...
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    I believe you can also carry forward any unused...

    I believe you can also carry forward any unused thresholds from the previous 3 tax years, regardless of whether any contributions were/will be employee or employer. This being so, if you've made no...
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    It's amazing how the Parasol reps always go quiet...

    It's amazing how the Parasol reps always go quiet on these forums when the questions get too awkward ...
  43. Thanks Lisa.

    Thanks Lisa.
  44. Contract Clause - Section 61B of the Income Tax Act

    I've just received a contract with the clause "The Company represents and warrants that it is not and shall not at any time be treated as a managed service company within the meaning of Section 61B...
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    Dunno whether they still do it but they used to...

    Dunno whether they still do it but they used to calculate the Employment Costs as if calculating Employers NI, but they wouldn't first deduct the expenses. They would pay HMRC the true Employers and...
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    Here's a couple of Parasol threads to be getting...

    Here's a couple of Parasol threads to be getting on with ... and there are more:

    http://forums.contractoruk.com/umbrella-companies/80338-parasol-employment-costs.html...
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    If you're seriously considering Parasol then...

    If you're seriously considering Parasol then you'd be advised to look back at some of the threads from earlier this year ... in particular the dissatisfaction at their additional "employment costs"...
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    This is very expensive. Try Nixon Williams, who...

    This is very expensive. Try Nixon Williams, who really will do pretty much everything for you including providing you with a LTD Company (for free) and initiating the set-up of a company bank...
  49. As someone who recently used an umbrella and...

    As someone who recently used an umbrella and sizeable pension contributions to significantly reduce my tax liability, I understand your annoyance, which may be partly aimed at their apparent...
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    I think you've misunderstood what Parasol are...

    I think you've misunderstood what Parasol are doing. IIRC, they exclude your expenses when calculating Employers NI. They do, of course, only pay the true Employers to HMRC but pocket the...
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