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Originally Posted by Ardesco
You'll still get idiots saying "LA LA LA don't belive you, contractor umbrella and Nixon Williams are just trying to get business. I get £XXX in expenses and my umbrella says it is fine LA LA LA" 
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That sounds great, ask for confirmation in writing from your umbrella that (a) you do not need receipts, (b) you do not have to actually incur the cost and (c) that they will pick up the tax bill if the Revenue investigate and find disallow the ghost expenses.
Alan