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What should I be aware of when considering 'cash in hand' jobs in London?

While 'cash in hand' jobs may seem appealing for immediate payment, it's crucial to understand the legal implications. Employers are legally obliged to deduct Income Tax and National Insurance contributions from your wages and pay them to HM Revenue & Customs (HMRC). Being paid 'cash in hand' often means these deductions aren't being made, which is illegal. This can lead to issues with your tax record, eligibility for state benefits, and future employment prospects. Always ensure the employer is paying you legally and providing payslips.

What are the potential risks of accepting a job that pays 'cash in hand'?

Accepting 'cash in hand' work carries several risks. You may not be covered by employer's liability insurance if you're injured at work. You might not accrue National Insurance contributions, which affect your entitlement to state pension and other benefits. You may also face difficulties proving your income for mortgage applications or other financial arrangements. Furthermore, you're potentially participating in tax evasion, which is a criminal offence.

What are my rights as a worker in the UK, regardless of how I'm paid?

All workers in the UK, regardless of whether they are paid 'cash in hand' or through PAYE (Pay As You Earn), are entitled to certain rights. These include the right to a minimum wage (depending on your age), paid holiday, rest breaks, and protection against discrimination. However, enforcing these rights can be difficult if you're being paid 'cash in hand' as there may be no official record of your employment.

How can I check if an employer is paying me legally?

The best way to ensure you're being paid legally is to request payslips from your employer. Payslips should detail your gross pay, deductions for Income Tax and National Insurance, and your net pay. You can also check your National Insurance record online through the HMRC website to see if your contributions are being recorded. If you're unsure, you can contact HMRC directly for advice.

What steps should I take if I suspect an employer is not paying taxes correctly?

If you suspect your employer is not paying taxes correctly, you can report them to HM Revenue & Customs (HMRC). You can do this anonymously if you prefer. Providing as much detail as possible, such as the employer's name, address, and details of the payment arrangements, will help HMRC investigate the matter. Remember that reporting tax evasion is a serious matter, but it helps ensure fair competition and protects workers' rights.