Limited umbrella clarification

I lied... I think. I'm not a limited company after all, I am a PAYE employee of the umbrella company employed by the recruitment agency employed by the company I work for. As far as I can ascertain, this is the worst option for me in terms of tax and National Insurance contributions. Or is it? Would it make any difference if I was simply on the recruitment agency's payroll? I have no idea but I am certain of one thing: whatever advantages there are ta an umbrella company to handle my wages, those advantages benefit the recruitment agency and not me. I'm going to get some legal advice about all this.

Whatever I find out, though, I ain't paying the £50 umbrella set-up charge.

Meanwhile, I have discovered this very useful page on the BBC's website about how to claim back bank penalty bank charges for, say, exceeding your overdraft limit for one day. They even provide a template letter for you to send to the bank invoking all the legal precedents that back up your complaint. That'll be going in the post this week.

Panic over. I have some money now and I am of a mind to kick some arse. It's all good.