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I’m with Paystream and had no significant issues with them. I choose them because they allowed salary sacrifice into my SIPP. The others I looked at on my agency’s Umbrella list wouldn’t allow that....

There was a discussion about how Paystream handle Pension contributions a couple of weeks ago where you probably read that comment. I'm with Paystream and they allow me to change pension...

Not sure I fully understand your question.

But in my case Paystream made a Pension Payment to my SIPP on the 3rd April 2020. This included all outstanding pensions deductions made to that point...

Been with them since the start of the year and the margin I'm charged is 22.50 and that is deducted before NI or PAYE so actually costs about £12 or £13. Not heard anything of any increase.

No it isn't whenever you like. I can only change at the start of the new tax year or at contract extension. I don't control contract extensions. An extension is a change in circumstances. Before you...

I have just done this with my umbrella company. Got an extension and asked them to increase the amount I pay into my pension by salary sacrifice. No problems at all


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Nor does it have PAYE in there either. To give you my details I put 17.5% into pension via salary sacrifice and my take home is as close to 50% of day rate that makes no difference. I also take my...

I've had to book a test for one of my kids (dry cough which was getting worse) and had a similar experience. My suspicion is that it lets you start to book an appointment at the location but doesn't...

You need to have a look at your previous payslips from Parasol along with the self bill invoices from the agency. The self bill from the agency should show your expenses going to the Parasol. On your...

My current client asked all contractors to take a voluntary 10% rate cut. I had got wind of it from my manager (I'm operating inside IR35 so I can call him that), then got an email a couple of days...

Have you had the same problem with a Time only invoice. I'm with a different umbrella and they accept the self bill invoice from my agency, however I need to enter my expenses and receipts onto their...

Paystream charge me £22.50 pw margin and £3.60 pw to deal with processing pension payments

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I incur fairly regular expenses on behalf of my client, I get the them back in full but have had a couple of wrinkles.

My umbrella company wants to satisfy itself that they are allowable. I have...

Has your agency sent out a remittance? I'm with Paystream, agency sends out remittance addressed to Me C/O Paystream on Thursday, Paystream send text and email Thursday Evening/Friday saying they...

There is the potential trip wire of national minimum wage. If you pay a fixed amount monthly but don't earn enough because of bench, sick or holiday then you could potentially be getting paid less...

Letters from HMRC

Dear end-client - Please send all your determinations to HMRC. We know you have them and you don’t want to upset us just now.

Dear Contractor - Your client has told you and us...

Lucy - Thanks for your answer. Sadly my brolly thinks that they can only claim tax relief on the portion attributable to me. In fact they have just asked me to check my previous expenses for any...

Current situation - using a brolly and inside IR35. Working at a remote site for a couple of days on behalf of the client, so the expenses are allowable. Expenses are submitted via agency portal to...

When my Assessment was carried out I answered the questions as I thought they applied and was outside on 2 of the 3, MoO and SDC. However when the clients managers answered the same questions it came...

Beginning to see the "swap-around" at client. Contractors that live locally are joining client on an inside basis having left contracts that needed them to stay away during the week.

Bit mixed where I am. Rumour mill said client had 300 contractors individually assessed and only a handful found to be outside.

What I know of personally, 2 have gone for inside roles closer to...

All of them should give you about the same money. Check if any will allow you to pay into your SIPP as salary sacrifice therefore saving on Employer and Employees NI along with PAYE.

I have just...

Yes NMW is a legal requirement so you stipulate how much of your daily rate goes to your pension. This way you cant be paid less than the NMW by accident.

If you wanted to get to the £40K then you...

I have just joined Paystream and they are paying directly into my existing pension fund via Salary Sacrifice. One thing to note is the amount paid into the pension is based on the number of days...

Your Day rate is not what you earn it is what the Umbrella earns. Salary Sacrifice then comes out along with employer NI and holiday pay to get your gross pay and it is the gross pay that can’t be...

Have you got a breakdown of Umbrella Income to Take Home Pay? When I got a quotation from Paystream they broke it down from Umbrella income to Gross Pay to Take Home Pay.

Umbrella income will be...

Had similar issues. After chasing a couple of times it turned up in December. Not been that late in previous years

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It is very simple to HMRC, the Contractors will be inside IR35.

For 2 - If the client says they won't accept a substitute on any basis then the clause is a sham.
For 3 - What about if they asked you to do some other work whilst waiting for something and you say...

But it is quite hot and if you can see the glow you probably have a very big problem and are not worried about the colour.[emoji16]

It is possible that the umbrella/agency is having it...

You have a combination of 2 high-risk items there, safety critical and nuclear. For most of use even if we make a complete pigs ear of something it won't result in anyone dying, add nuclear to that...

In simple terms - Yes.

My turnover (exc VAT) is about double what I earned as a permie. My current corporation tax and personal tax bill is only about 10% higher than what I paid as a permie, and...

You can take the VAT out of that equation, what you pay in VAT your agency reclaims from their bill.


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Both my parents are Glaswegian and I was born there but lived outside the city, I also went to Uni in the City, so probably have a biased view. Glasgow is a working city always has been and always...

That was in the first World War!!

Currently you can join the Navy at 16 but need parental permission to do so.

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We'll be lucky. Labour sees dividends as unearned income for the rich made on the back of the workers. Prime target for "fairness" taxes

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Doubt anyone would do it because they are nosy. The testing has a cost so they must think there is a benefit to them, could be Regulatory, Safety of the work force or avoiding damage to their...

I have worked several places that require D&A Testing on safety grounds and find it difficult to believe that people get uppity about having to do Drug and Alcohol tests, unless of course they are...

I'm on a similar rate as the OP and do what PCTNN does. I'm not as disciplined financially as I was as a permie, but I still have a good idea on what my outgoings are and where I can cut back if...

Got my IPSE renewal notice the other day and thinking about it. Currently think a 90% chance of moving to QDOS.

Cost of TLC35 and Jury Service cover from QDOS is very close to that of IPSE...

In other words an HMRC fishing trip, looking to see who will pay up without a fight. Would they not have to open an investigation on each individual contractor and prove they were inside IR35 to...

I'm on 10mg Ramipril with a side of 2.5 Indapamide for good measure. The Ramipril is fine, the Indapamide is likely to cause frequent trips to the toilet.

I have a BMI of 33.5 and have had an...

The highlighted parts scream BOS permietractor role which should be inside IR35 now, let alone Apr 2020. The end client is awake to the fact that they will be in the firing line so are getting their...

A primary surveillance radar is highly unlikely to detect a drone. It just isn't designed to do that. It would only sweep past the drone every 4 seconds or so plus the size of the return would be...

A drone isn't made of muscle, skin and bone which are fairly easy for an aircraft engine to survive ingesting. A Drone will have carbon fibre, some metal and a battery. All of which are far worse for...

:wave:

Even if inside IR35 I would still choose to contract. Yes I'll take a financial hit but will still be comfortable compared to the permies. There is a reasonable amount of work around where I live so...

Recently been through this ourselves with the neighbours to our back, building a 2 story rear extension. Find your local councils building policy statements and check to see if the application...

In both examples the VAT man gets £120. First one £100 from contractor and £20 from agency. 2nd one £120 from agency. So makes no difference if contractor is VAT registered or not.

Even if the end client can't reclaim VAT if you go through an agency they can (and will) reclaim the VAT, so it remains Tax neutral e.g.

VAT registered contractor gets £500pd and add VAT £100,...