{"id":84343,"date":"2023-04-26T17:25:54","date_gmt":"2023-04-26T16:25:54","guid":{"rendered":"https:\/\/ukcontractormortgages.com\/?p=84343"},"modified":"2023-04-26T17:32:15","modified_gmt":"2023-04-26T16:32:15","slug":"like-your-lunch-contractors-with-umbrella-company-payroll-services-theres-no-such-thing-as-free","status":"publish","type":"post","link":"https:\/\/ukcontractormortgages.com\/like-your-lunch-contractors-with-umbrella-company-payroll-services-theres-no-such-thing-as-free\/","title":{"rendered":"Like your lunch, contractors, with umbrella company payroll services there\u2019s no such thing as free"},"content":{"rendered":"\n

‘Free Payroll Services’ are a hook to avoid<\/strong><\/p>\n\n\n\n

Nonetheless, there is a scourge on the umbrella sector, with companies right now posing as legitimate \u2018umbrella\u2019 companies but that are not actually doing what \u2018umbrella company\u2019 says \u2018on the tin.\u2019 These spurious brolly operators seem to be out in force without blushing, often openly using every trick in the book to try and take advantage of unsuspecting contractors.<\/p>\n\n\n\n

These operators are using enticers like the promise of \u201cfree payroll services\u201d to land custom. So contractors need to be on their guard. Make sure you do your \u2018due diligence\u2019 before agreeing to any sort of relationship.<\/p>\n\n\n\n

If you\u2019re not paying for the product\u2026<\/strong><\/p>\n\n\n\n

Remember, while nothing comes for free, these operators will be making money in some way in order to be commercially viable. As another saying goes, \u2018If you\u2019re not paying for the product, YOU are the product.\u2019<\/p>\n\n\n\n

One way they try to make money is to withhold money from your pay that should be going towards HMRC, to cover the tax and national insurance contributions of the contractors they work with.<\/p>\n\n\n\n

Liability when using an umbrella company<\/strong><\/p>\n\n\n\n

A key point to remember, though, it is always the contractor who is liable for any money owed to HMRC.<\/p>\n\n\n\n

Unpaid tax bills will always see HMRC pursue the contractors and not the providers \u2013 and these operators can and do unfortunately disappear just as quickly as they pop up!<\/p>\n\n\n\n

Worryingly, I have seen cases where HMRC has come after contractors four or five years down the line. So tax consequences are often not felt initially or for some time. But usually after a few years, these companies have completely disappeared without a trace.<\/p>\n\n\n\n

Get in touch with us today to speak with the UK\u2019s Best Contractor Mortgage Broker<\/a><\/strong>.<\/em><\/p>\n\n\n\n

How are these brolly operators getting away with this?!<\/strong><\/p>\n\n\n\n

There are a number of ways these companies are taking advantage of contractors right now. Pay Per Click (PPC) advertising is a big one and the use of search engines like Google can be a honey trap — particularly with the promise of things like \u201cfree payroll services.\u201d Often, these operators might appear as some of the first search results that come up when searching online for an umbrella company.<\/p>\n\n\n\n

But sometimes, it can be through brokers or word-of-mouth referrals from other contractors who genuinely believe they are onto a good deal.<\/p>\n\n\n\n

Recruiters too need to be mindful of who they recommend to contractors and who makes it onto their Preferred Supplier List (PSL).<\/p>\n\n\n\n

Agencies must make sure they are aware of these types of operators and the potential risk they pose to their clients. Many contractors will take the recommendation of a recruiter as gospel, so there is a duty of care here that must be upheld by individual agents.<\/p>\n\n\n\n

All that glitters may not be gold<\/strong><\/p>\n\n\n\n

The websites of the operators are also designed to win trust with messaging like ‘100% compliant’ or even ‘HMRC approved’ to dupe people into singing up. Please be aware, \u2018HMRC-approved\u2019 simply does not exist, as HMRC does not grant its approval to umbrellas.<\/p>\n\n\n\n

It\u2019s also true that these types of \u2018brollies\u2019 have always been a problem but right now, with the cost-of-living crisis putting an additional squeeze and pressure on household incomes, it’s creating a situation that they are attempting to take full advantage of.<\/p>\n\n\n\n

Hard-pressed due to the current climate, to some workers these schemes might look appealing.<\/p>\n\n\n\n

A few contractors are asking for trouble<\/strong><\/p>\n\n\n\n

Yet not everyone is a mark. Although many contractors falling foul of these schemes are very innocent, there are some that are actively choosing umbrella companies that they know are not fully compliant. This is a huge risk as those that know the potential downsides really are playing with fire and won\u2019t have anyone\u2019s sympathy.<\/p>\n\n\n\n

The fact it would be them as the party fully liable for the tax they owe to HMRC – sometimes even many years later \u2013 is important to remind these individuals of. Indeed, what contractors often think or get told will be saved in tax on their take-home pay, can later get more than wiped out by the tax bill.<\/p>\n\n\n\n

Get in touch with us today to speak with a specialist\u00a0Contractor Mortgage Advisor<\/a><\/strong>.<\/em><\/p>\n\n\n\n

What should contractors look for?<\/strong><\/p>\n\n\n\n

HMRC are trying to close loopholes and do publish an official list of avoidance scheme firms that contractors should not work with. That said, this resource is by no means a comprehensive list.<\/p>\n\n\n\n

However, contractors should be aware that because of UK laws under the Finance Act 2021, after 12 months, entries on the list must be removed. This is a huge problem as the removal risks giving contractors the wrong idea. My hope is that this 12-month expiry in the legislation can be re-looked at by HMRC and corrected by HM Treasury.<\/p>\n\n\n\n

Something else we\u2019d advise contractors to look out for? Accreditation by the Freelancer & Contractor Services Association. This is one of the gold standards in the umbrella employment sector, and firms with an FCSA badge are showing that they are serious about compliance. My take on being an FCSA member is that it\u2019s definitely a trust signal worth factoring into any decision-making you do as a contractor.<\/p>\n\n\n\n

However, FCSA is a membership body, and there is still no government-led regulation of the umbrella sector. Regulating umbrella companies is something we believe is still very much needed and would be very welcome.<\/p>\n\n\n\n

How should contractors approach umbrella companies in 2023?<\/strong><\/p>\n\n\n\n

Working through the complexities of all of this is very difficult for contractors to navigate, with lots of factors to consider. My recommendation is that you really take the time to decide which PAYE umbrella company provider to work with; do your research carefully, and don’t be afraid to ask lots of questions.<\/p>\n\n\n\n

Start by asking your agency whether they have a PSL in place; what due diligence they have carried out and whether their providers have any kind of compliance accreditation or audit standard.<\/p>\n\n\n\n

Next, speak to those partners, review your Key Information Documents and any additional take-home pay illustrations or breakdowns you are given by your prospective payroll company. If you are already working through one, there are good companies out there that can check your payslips in real-time to ensure everything looks legitimate and as it should be.<\/p>\n\n\n\n

Be in no doubt, there are many good umbrella companies out there that will give you the support you need while contracting. However, it\u2019s important that you avoid companies that can\u2019t explain why your take-home via them is higher than normal (the only difference between compliant providers is the margin), or how they can afford to pay you for \u2018free\u2019 and those who can\u2019t provide you with illustrations and payslips. If you\u2019re stuck or still unsure, the FCSA website is a good place to start as members are regularly audited to ensure compliance.<\/p>\n\n\n\n

Final thought<\/strong><\/p>\n\n\n\n

Bottom line? There\u2019s no such thing as a free lunch, and no such thing as a free payroll service that won\u2019t come back to bite you! If your take-home is similarly too good to be true then, to avoid a nasty tax bill later down the line, take stock and look instead for a compliant and trustworthy payroll solution. When it comes to managing your personal tax contributions and ensuring compliance with HMRC, do it right first time with an umbrella company that doesn\u2019t need gimmicks, to ensure potentially devasting tax consequences for you — and you alone — are avoided.<\/p>\n\n\n\n

By Emma Naylor<\/p>\n\n\n\n

Source: Contractor UK<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

‘Free Payroll Services’ are a hook to avoid Nonetheless, there is a scourge on the umbrella sector, with companies right now posing as legitimate \u2018umbrella\u2019 companies but that are not actually doing what \u2018umbrella company\u2019 says \u2018on the tin.\u2019 These spurious brolly operators seem to be out in force without blushing, often openly using every […]<\/p>\n","protected":false},"author":2,"featured_media":79736,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[2237],"tags":[2263,2242,2262],"acf":[],"aioseo_notices":[],"yoast_head":"\nLike your lunch, contractors, with umbrella company payroll services there\u2019s no such thing as free - UK Contractor Mortgages<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ukcontractormortgages.com\/like-your-lunch-contractors-with-umbrella-company-payroll-services-theres-no-such-thing-as-free\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Like your lunch, contractors, with umbrella company payroll services there\u2019s no such thing as free\" \/>\n<meta property=\"og:description\" content=\"‘Free Payroll Services’ are a hook to avoid Nonetheless, there is a scourge on the umbrella sector, with companies right now posing as legitimate \u2018umbrella\u2019 companies but that are not actually doing what \u2018umbrella company\u2019 says \u2018on the tin.\u2019 These spurious brolly operators seem to be out in force without blushing, often openly using every […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ukcontractormortgages.com\/like-your-lunch-contractors-with-umbrella-company-payroll-services-theres-no-such-thing-as-free\/\" \/>\n<meta property=\"og:site_name\" content=\"UK Contractor Mortgages\" \/>\n<meta property=\"article:published_time\" content=\"2023-04-26T16:25:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-04-26T16:32:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ukcontractormortgages.com\/wp-content\/uploads\/2021\/06\/calculator-1680905_960_720.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"640\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marketing\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marketing\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/ukcontractormortgages.com\/like-your-lunch-contractors-with-umbrella-company-payroll-services-theres-no-such-thing-as-free\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/ukcontractormortgages.com\/like-your-lunch-contractors-with-umbrella-company-payroll-services-theres-no-such-thing-as-free\/\"},\"author\":{\"name\":\"Marketing\",\"@id\":\"https:\/\/ukcontractormortgages.com\/#\/schema\/person\/89a5eea04c7d418eec4691feca3a7bce\"},\"headline\":\"Like your lunch, contractors, with umbrella company payroll services there\u2019s no such thing as free\",\"datePublished\":\"2023-04-26T16:25:54+00:00\",\"dateModified\":\"2023-04-26T16:32:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/ukcontractormortgages.com\/like-your-lunch-contractors-with-umbrella-company-payroll-services-theres-no-such-thing-as-free\/\"},\"wordCount\":1285,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/ukcontractormortgages.com\/#organization\"},\"keywords\":[\"payroll\",\"Uk Contractor market\",\"umbrella company\"],\"articleSection\":[\"Contractor Mortgage\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/ukcontractormortgages.com\/like-your-lunch-contractors-with-umbrella-company-payroll-services-theres-no-such-thing-as-free\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ukcontractormortgages.com\/like-your-lunch-contractors-with-umbrella-company-payroll-services-theres-no-such-thing-as-free\/\",\"url\":\"https:\/\/ukcontractormortgages.com\/like-your-lunch-contractors-with-umbrella-company-payroll-services-theres-no-such-thing-as-free\/\",\"name\":\"Like your lunch, contractors, with umbrella company payroll services there\u2019s no such thing as free - 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