Is it worth adding that when you work through an umbrella you are, as a legal obligation (so I'm told), obliged to pay a percentage of your income into a holiday fund. You can then claim holiday pay for any days off and any money remaining in the pot in December will be paid back in that month's pay packet.
I don't know how many umbrellas enforce this rule, but mine does and as I say they told me it's a legal requirement.
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