Just to add to the IR35 item for those that are not aware of it. This is a 20 odd year old tax law that they have modified to make it even more evil. It is relating to "deemed" employment, i.e. "they" (HMRC) decides that you really should be employed by the person you work for.
They use the strange example that for example a freelance nurse should not earn more than an NHS employed nurse, which is completely rubbish of course as the freelance nurse does not get sick pay, have to provide for their own pension, have to look for their own jobs wherever etc. The same applies to HGV drivers and any other industries.
Up till recently, the self employed person decided that they were outside of the IR35 scope and worst case, they would lose a tax case. The new implementation of the law means that the employer is now also liable for tax, and worst part, retrospectively. This has killed a huge section of employment, be it in the oil and gas industries where the vast majority of people are self employed due to their specific knowledge they transfer to diferent customers.
Nobody in the banking sector will employ self employed people anymore as they will not underwrite the liability risk that in 20 years time they get a retrospective tax bill, and the same applies to the current HGV crisis as the self employed drivers are not going to work at a tax rate that puts them on equal pay as an employed person, but without the benefits.