Maternity allowance

I would contact citizens advice and ask them for their opinion. Have they given you the reason to why they cannot accept your holidays? If you quit your job you may be better off if you claim universal credits you may get help with rent/council tax etc depending on your household income. Thats what I’d do x

If you decide to resign, you can still qualify for Maternity Allowance, and it won’t automatically reduce to £27 per week—your entitlement is based on your work and earnings history over the 66 weeks before your due date, not whether you are currently employed, so if you’ve worked enough weeks and earned enough during that period, you can still receive up to £187.18 per week (or 90% of your average earnings) for 39 weeks; the £27 rate only applies if you don’t meet those criteria. Regarding your holiday, you continue to accrue annual leave during maternity leave, but your employer can refuse specific dates, however if you resign they are legally required to pay you for any unused accrued holiday in your final pay. Staying employed means you keep your job security and continuity of employment, while resigning would mean losing that but still receiving MA if eligible and getting your holiday paid out, so financially there’s usually no advantage to resigning unless you simply don’t want

You should still be entitled to MA if you resign. As mentioned above you have to send off any 3 months worth of wages in the 66 weeks before your due date. Also, the months you’ve been on SMP will count as earnings so you can send those off too as part of your MA claim