My dad had a lease car, inititally a Nissan X-Trail then changed to a Nissan Qashqai a few years later. I was insured on the Nissan at the age of 17 once I held a full licence, and my younger brother was put onto the Qashqai at 18. The lease company provided the insurance and as such it automatically included any direct family who lived at the same address and held a full license. Once he bought the car and left the lease scheme, needless to say we were no longer insured on it as the costs were incredible!

At the beginning of this month, I started a new job as a temp through Hays employment agency. In my assignment confirmation it stated ' The Premium Rate (pre-deductions) applicable to this Assignment is £7.00 per Hour for the first 6 weeks. Then following from the 7th week you will then have a pay increase to £8 per Hour'. Nowhere in the assignment confirmation did it mention any more about these deductions so I took them to be tax and NI. I'm not officially on Hay's books. Noone has ever met me in person, they only data they have on me is what I've given them over the phone and I have little information from them. No full contract beyond the assignment confirmation, and I have neither seen nor signed any applicant details forms, T&C forms etc. Basically, I was offered an interview over the phone just before Christmas, accepted the job, and started just after Christmas. In between, they handed me from the initial consultant who sent me to the interview to another who seems enthusiastic but little else. Since starting work with my new employer, they have now requested me to attend their offices with my passport, NI number etc. Which, since I'm working full time I'm unable to do! They have also not sent me a P46 or any other paperwork to my home address, it has all been conducted via email. They failed to provide me access to their payonline system until a week ago, so despite supposed to be being paid weekly this is my first wage slip since starting. I have just received my wage slip which covers the past three weeks and I am rather unhappy that for each weeks pay, I have a 10.7% deduction from it labelled 'Hol Pay Ded'n'. NI and Tax are then taken out on top of this. Does anyone know what this is? I have not heard of it before. Am I correct in thinking that this would count as an unlawful deduction under the employment act? What should my next step/s be? Thanks.