RAT this is a very complex subject and has been discussed at length in the past, however, the real culprit is greed..lets be honest, no-one likes paying tax and no company wants to pay NI for employees, but its the law and thats it. If we are based in another country and our house burns down , or we need an ambulance then rightly we should have paid something towards those services via tax or NI, on the other hand we all feel underpaid and want to take as much money net as we can, hence the tax avoidance scams.. ironically if we were high level politicians or corporate magnets we would get away with it! didn't the UK government admit to only pursuing ONE case against a multi millionaire in the past 5 years! Taking a practical approach we can reduce our tax burden with creative accountancy and show practically no earnings, on the other hand we can then get zero credit for mortgages etc..chicken and egg. I know for a fact, not rumour, the guys that left Turkish to work back in Germany as " employees" halved their net salaries, pros.. they are at their chosen bases with their families and in the comfort zone..security has a price, we just have to be willing to pay it. And yes agencies should accept some accountability as they promote " tax free income".. alas, tax free income in own country of residence is not possible..