"I have a full time contract but have Mondays off holiday question?"

That sounds a bit dodgy - is it a large employer? IANAL but it seems like someone with a disability which might require time off sick to attend hospital or just recover from their condition etc.. could claim that is discriminatory.
My dad has a bonus if your not sick, it is an old contract though. It just means you end up taking sick days as holidays.
 
You do not get 28 days legally, you get 5.6 weeks.

If you are working 5 days a week, then 5 x 5.6 =28

If you work less than 5, or call sick, it can be re-calculated.

So in theory, if you call sick a single day or are late (even a minute) you will loose that 28th day of annual leave, as it will not be a whole number anymore.

Overtime counts in annual leave.

You cannot round down, only either round up, or pay exact amounts

This isn't really true. There is no requirement to round up, this for all intents and purposes amounts to rounding down.

https://www.nidirect.gov.uk/articles/taking-your-holidays
 
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