I've been having a look at some of these umbrella services for managing some off-freelance-bid-site payments. What are your thoughts about using services like this? Is it really for those who only just squeeze under the IR35 regulations? Since I keep accurate accounts, have a DD set for NI and pay my tax on time (and will be needing an accountant to sort out the finer details like equipment etc), I'm not convinced that I need to pay someone else to do it for me and I'm somewhat reluctant to do so. Especially since the fees don't appear to reclaimable as business expenses (unless I've read it wrong!) Anyone got any thoughts?