31 October 2025
HM Revenue and Customs (HMRC) has added a new name to the current list of named tax avoidance schemes, promoters, enablers and suppliers.
The most recent update was on 31th October 2025:
Additions:
HMRC has provided additional information regarding the schemes:
“Scheme participants provide their services to end clients as employees of TCL. TCL pay scheme participants part of their remuneration as a salary that is subjected to Income Tax and National Insurance contributions (NICs). Scheme participants also receive a secondary element of their remuneration without deductions of Income Tax and NICs.
“The company provides their services via the website vividpay.co.uk. HMRC have previously published Spotlight 60 on disguised remuneration schemes involving agency workers and contractors employed by umbrella companies. HMRC are aware that some umbrella companies operate more than one scheme, such as a standard compliant scheme and a non-compliant scheme. HMRC advise employees of TCL to familiarise themselves with the guidance and to satisfy themselves that the correct amount of tax is being deducted on their income.”
It is important to spread awareness of these schemes and to not get caught up in them. But, if you think you are involved in one, or know of someone who is, you can contact HMRC for assistance and guidance.
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