Originally posted by ScubyUK
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Also just for ref it's not actually salary sacrifice. As an umbrella contractor the deductions are actually seen as an employer contribution because the AVC's are invariably deducted from the invoice amount (which is the umbrella's) before calculating any wages due. Your contract of employment will no doubt state that the Umbrella will not take all/any of the AVC's if there are insufficient funds available in the invoice value so they can take it, or not, depending on circumstances - the agreement will be geared towards their side as the employer.
Originally posted by ScubyUK
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