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I think you are talking about 25 days they can choose. In the UK you have 8 days that are Bank Holidays and National holidays. So this is a 33 day holiday policy.

But is that an enforced minimum? Is an employee required to take that many days off work? Because that's the distinction being drawn here.

In the UK you cant normally be forced to take leave its up to the employer how they handle overages some have use it or lose it some allow a carry over.

Apart from the finance industry where for some staff I think its mandatory for anti fraud reasons to take at least a two week block.

Yes, it is. And, just, seriously, what sort of a society doesn't mandate holidays?

A society that's not into proclaiming mandates.

No, you are not required to take them,but if you don't the company has to pay you the full amount for those days(so in effect, if you don't take ANY holidays during the year, you will get an additional 1-month's salary at the end).

Well the 28 day limit covers public holidays as well, maybe they mean in excess of public holidays and therefore cover pretty much every country everywhere?