Urgent warning for workers to check pay for holiday mistakes – you could be owed back £100s
Experts at Moneysavingexpert.com have urged people to check if they're owed unpaid holiday earnings from previous employers.
An easy way to check if you're entitled to holiday pay is to check if you get payslips - which can be paper or electronic.
These will list your earnings, working hours and any deductions such as income tax or National Insurance.
"If you get payslips, you're likely entitled to holiday pay as an 'employee' or 'worker'," according to the MSE website.
"This is the case whether you work full-time, part-time or on a zero-hours contract. And it doesn't matter if your job is temporary or for only part of the year."
However, if you're self-employed or work a "cash in hand" job, then you likely won't get any payslips and may not be entitled to any holiday pay.
If you are eligible, you should then check how much holiday pay you're entitled to.
You're legally allowed 5.6 working weeks of paid holiday a year, but the number of days depends on how many days or hours you work.
If you work full time, five days a week, you'll be entitled to 28 days of paid holidays a year. This may also include bank holidays, but it depends on your employer.
If you work part time, you should multiply the number of days you work in a week by 5.6 to check what you're owed.
If you leave your job without taking your holiday, your employer must pay you for it - even if you get sacked.
MSE says that once you've worked out how much holiday pay you're entitled to, you'll need to talk to your boss about taking that time off or getting paid for unused holiday if you've left the job.
"Speaking to your employer casually should hopefully be enough, but if you're not getting anywhere, the next step would be to raise a formal complaint," MSE says.
"As a last resort, you may be able to make a claim to an employment tribunal – but there are strict time limits for doing this. However, taking this route is a big decision to make, so get all of the facts together first and strongly consider contacting Acas or Citizens Advice for free guidance and support before going ahead."
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
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Daily Mail
3 minutes ago
- Daily Mail
Young man, 29, left 'traumatised' after 'quick trip' to the doctor overseas takes a brutal and terrifying turn: 'I need to get home urgently'
A popular UK adventurer, who previously lost his leg in a motorbike accident, has now experienced a devastating new setback after a bizarre hospital incident. Luke Tarrant quit his job as an investment banker in 2023 to embark on a motorbike voyage across the US and Antarctica. But only eight months into the trip of a lifetime, Luke's plan came crashing down in South America when he suffered a life-changing motorbike accident in Colombia. In May 2024, doctors confirmed that in addition to suffering numerous significant injuries, Luke's left leg was 'dead' and needed to be amputated. But instead of letting the loss of his leg become a setback, Luke has since gone on to inspire his enormous 500,000 Instagram following with his positive attitude and continued zest for adventure. Luke's latest goal was to climb one of the highest peaks ever attempted by a person with disabilities - by scaling a mountain more than 5000m high in Kyrgyzstan, Central Asia. But all of that changed this week. 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'Next thing I know, he's getting some tweezer things and he's pulling bits out and he's like digging around and cutting. I'm in absolute agony. I'm like asking him to stop. 'I'm now looking down [and] I can see the bone in my leg.' By this point, Luke recalled that he was 'in complete agony and shock'. 'I've gone pale. I'm trying not to pass out.' The disability advocate claimed the ordeal lasted 25 minutes and by the end of it there was 'a massive gaping wound in my leg.' After the procedure, Luke said he proceeded to inform his stunned doctors back at home. '[T]hey were like, "It's absolutely insane what they've done to you. You're a massive risk of infection",' he recalled. They advised Luke against completing the planned trek or even wearing his prosthetic. 'I'm no longer climbing the mountain. It was meant to be a world first for people with disability and it's just turned into this,' a downcast Luke confirmed. Luke had planned to complete the trek alongside former professional rugby player Ed Jackson, with the pair raising money for the charity Millimetres 2 Mountains. The video concluded with Luke saying that he was now urgently flying home to the UK to go to hospital. A subsequent update post showed pictures of Luke in hospital in his home country – but unfortunately the news wasn't great. '[T]he wound is down to the bone and infected,' he revealed. 'They did a procedure to clean it which was agony and may need to operate next week,' he continued. 'Worst case if it spreads to the bone, will need to have my knee chopped off… best case is weeks off my prosthetic in the wheelchair. 'They said what the guy did to me in Kyrgyzstan medically is insane,' he wrote, before concluding with a thank you message for all the 'support' from his followers. The subdued video and update posts were a marked change to Luke's normally upbeat and positive attitude. 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Top Gear
5 minutes ago
- Top Gear
Electric Car Grant: here's every car in the UK that gets the discount
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But it's also good-looking on the outside and well-finished within. Read our full review here It's an Astra. And specifically, the Astra Electric. There aren't many more recognisable names in the heartland of British motoring these days. How much of the grant applies? £1,500. So what does it cost after the grant? From £32,630. What do you think of it? We like the eighth-generation Astra, and the electric one is the best of the lot… we're just not head-over-heels in love with it. Read our full review here In case you hadn't guessed yet, it's the fully electric version of one of Britain's best-selling cars. How much of the grant applies? £1,500. So what does it cost after the grant? From £25,280. What do you think of it? It's significantly less peacocky than its Honda or Mini rivals, and it'll go further and has bags more room for people. Read our full review here Vauxhall Combo Life Electric The same van-based car as the Citroen e-Berlingo and the Peugeot e-Rifter. 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The Sun
6 minutes ago
- The Sun
Santander makes huge change to 11 bank accounts – thousands will be worse off
SANTANDER has made a huge change to almost a dozen accounts this week in a blow to thousands of savers. The high street giant cut the interest rates on 11 of its savings accounts on August 11. 1 It comes after the Bank of England voted to lower its base rate from 4.5% to 4.25% in May. The decision came as a relief to millions of homeowners on variable rate mortgages, which rise and fall in line with the base rate. But the move often means smaller returns for savers, as when the base rate falls, interest rates on savings often do too. As a result, Santander has cut the interest rates on almost a dozen accounts this week. Among the accounts affected are the Easy Access Saver (Issue 26 and 27), which have seen their interest rates drop from 1.3% to 1.2%. If you had paid £2,000 into this account previously you would have £26 after one year. But now the rate has dropped to 1.2% you will earn £24 - a difference of £2. Meanwhile, several Isa accounts have also had their rates slashed. Among them is the Easy Access Isa (Issue 22 and 23) which has also seen its rate fall from 1.3% to 1.2%. The interest rate on the Help to Buy Isa will also be cut from 2.45% to 2.35%. The change means the amount of interest you would earn on a £2,000 deposit after one year would fall from £49 to £47. Children's accounts have also been hit by the interest rate changes. The rate on a Junior Isa has been cut from 2.8% to 2.7%. Plus, the interest rate on a Flexible Saver for Kids is now 1.95%, down from 2.05%. What types of savings accounts are available? THERE are four types of savings accounts: fixed, notice, easy access, and regular savers. Separately, there are ISAs, or individual savings accounts, which allow individuals to save up to £20,000 a year tax-free. But we've rounded up the main types of conventional savings accounts below. FIXED-RATE A fixed-rate savings account or fixed-rate bond offers some of the highest interest rates but comes at the cost of being unable to withdraw your cash within the agreed term. This means that your money is locked in, so even if interest rates increase you are unable to move your money and switch to a better account. Some providers give the option to withdraw, but it comes with a hefty fee. NOTICE Notice accounts offer slightly lower rates in exchange for more flexibility when accessing your cash. These accounts don't lock your cash away for as long as a typical fixed bond account. You'll need to give advance notice to your bank - up to 180 days in some cases - before you can make a withdrawal or you'll lose the interest. EASY-ACCESS An easy-access account does what it says on the tin and usually allows unlimited cash withdrawals. These accounts tend to offer lower returns, but they are a good option if you want the freedom to move your money without being charged a penalty fee. REGULAR SAVER These accounts pay some of the best returns as long as you pay in a set amount each month. You'll usually need to hold a current account with providers to access the best rates. However, if you have a lot of money to save, these accounts often come with monthly deposit limits. The interest rate on an Inheritance Isa has been slashed from 2.85% to 2.7% while the First Home Saver has seen the return it offers savers drop from 2.45% to 2.35%. All of these accounts have variable interest rates, which means the rate can go up or down. Savers impacted by the changes should have been contacted in June. Fortunately, the major bank still offers returns of up to 5% on its Regular Saver account. A spokesperson for the bank said: 'We are committed to delivering value for our savings customers and offer a range of competitive savings products.' On average savers have around £9,633 squirrelled away, according to online savings platform Raisin, which means it is vital to make sure you are getting the best return. Always compare different accounts to ensure you are getting the most for your money. What are the best accounts on offer? If you want to be able to access your cash at any time then you should go for an easy-access saver account. These accounts usually allow you to withdraw money when you need to without a penalty. But always read the small print as some of these accounts may only allow you to pay in a certain amount or make a set number of withdrawals or the rate will drop. The best easy-access account on offer comes from Chase and has an interest rate of 5%. This means if you saved £1,000 into this account you would earn £50 a year in interest. Meanwhile, Cahoot offers savers a return of 4.55% on savings of £1 or more. If you don't need access to your money right away then a notice account could be a great option. These accounts offer top rates but still let you access your money more easily than a fixed-rate bond. Stafford Building Society's 180 day account offers a return of 4.61% on balances of more than £5,000. Meanwhile, Plum's 95-day notice pocket pays 4.58% on £1 or more. How can I find the best savings rates? WITH your current savings rates in mind, don't waste time looking at individual banking sites to compare rates - it'll take you an eternity. Research price comparison websites such as Compare the Market, and MoneySupermarket. These will help you save you time and show you the best rates available. They also let you tailor your searches to an account type that suits you. As a benchmark, you'll want to consider any account that currently pays more interest than the current level of inflation - 3.4%. It's always wise to have some money stashed inside an easy-access savings account to ensure you have quick access to cash to deal with any emergencies like a boiler repair, for example. If you're saving for a long-term goal, then consider locking some of your savings inside a fixed bond, as these usually come with the highest savings rates. Do you have a money problem that needs sorting? Get in touch by emailing money-sm@
