diff --git a/lib/nextday.rb b/lib/nextday.rb
index 2c58bf3..6de46d4 100644
--- a/lib/nextday.rb
+++ b/lib/nextday.rb
@@ -1,7 +1,11 @@
 require 'date'
 require 'time'
+require 'json'
+require 'uri'
+require 'open-uri'
 
 require "nextday/version"
+require "nextday/exceptions"
 require "nextday/config"
 
 require "nextday/holiday"
diff --git a/lib/nextday/date_extension.rb b/lib/nextday/date_extension.rb
index f5b6ef6..bd5f0e1 100644
--- a/lib/nextday/date_extension.rb
+++ b/lib/nextday/date_extension.rb
@@ -30,7 +30,8 @@ def delivery_day
     def cut_off_time
       hour, minute = Config.cut_off_hour, Config.cut_off_minute
 
-      Time.new(year, month, day, hour, minute)
+      utc_offset = self.utc_offset  unless not self.respond_to?(:utc_offset)
+      Time.new(year, month, day, hour, minute, 0, utc_offset)
     end
  
     ##
diff --git a/lib/nextday/exceptions.rb b/lib/nextday/exceptions.rb
new file mode 100644
index 0000000..148671e
--- /dev/null
+++ b/lib/nextday/exceptions.rb
@@ -0,0 +1,3 @@
+module Nextday
+  class Error < StandardError; end
+end
diff --git a/lib/nextday/holidays.rb b/lib/nextday/holidays.rb
index 07340c6..a278462 100644
--- a/lib/nextday/holidays.rb
+++ b/lib/nextday/holidays.rb
@@ -1,19 +1,19 @@
 require 'singleton'
 
 module Nextday
-  
+
   class Holidays
     include Enumerable
     include Singleton
-    
+
     def initialize
-      @holidays = PUBLIC_HOLIDAYS
+      @holidays = PublicHolidays.new.fetch
     end
-    
+
     def each(&block)
       @holidays.each{|holiday| block.call(holiday)}
     end
-    
+
     ##
     # Returning all the dates holidays occur
     #
@@ -21,7 +21,7 @@ def each(&block)
     def self.dates
       instance.map(&:date)
     end
-    
+
     ##
     # Find the first holiday for the supplied date
     # @param [Date] format the format type, `:text` or `:html`
diff --git a/lib/nextday/public_holidays.rb b/lib/nextday/public_holidays.rb
index 624e9eb..a851780 100644
--- a/lib/nextday/public_holidays.rb
+++ b/lib/nextday/public_holidays.rb
@@ -1,62 +1,29 @@
 module Nextday
-  ##
-  # Bank and public holidays in England and Wales
-  # Includes substitute days if holiday lands on a weekend
-  # http://www.direct.gov.uk/en/Employment/Employees/Timeoffandholidays/DG_073741
-  # 
-  # Be careful when adding new holidays, please specify the date as '1' not '01'
-  # 
-  BANK_AND_PUBLIC_HOLIDAYS_ENGLAND_AND_WALES = [
-    Holiday.new("Spring Bank Holiday", Date.new(2011, 5, 30)),
-    Holiday.new("Spring Bank Holiday", Date.new(2012, 6, 4)),
-    Holiday.new("Spring Bank Holiday", Date.new(2013, 5, 27)),
-    Holiday.new("Spring Bank Holiday", Date.new(2014, 5, 26)),
-    Holiday.new("Spring Bank Holiday", Date.new(2015, 5, 25)),
-    
-    Holiday.new("Early May Bank Holiday", Date.new(2011, 5, 2)),
-    Holiday.new("Early May Bank Holiday", Date.new(2012, 5, 7)),
-    Holiday.new("Early May Bank Holiday", Date.new(2013, 5, 6)),
-    Holiday.new("Early May Bank Holiday", Date.new(2014, 5, 5)),
-    Holiday.new("Early May Bank Holiday", Date.new(2015, 5, 4)),
-    
-    Holiday.new("Queen's Diamond Jubilee", Date.new(2012, 6, 5)),
-    
-    Holiday.new("Good Friday", Date.new(2011, 4, 22)),
-    Holiday.new("Good Friday", Date.new(2012, 4, 06)),
-    Holiday.new("Good Friday", Date.new(2013, 3, 29)),
-    Holiday.new("Good Friday", Date.new(2014, 4, 18)),
-    Holiday.new("Good Friday", Date.new(2015, 4, 3)),
-    
-    Holiday.new("Summer Bank Holiday", Date.new(2011, 8, 29)),
-    Holiday.new("Summer Bank Holiday", Date.new(2012, 8, 27)),
-    Holiday.new("Summer Bank Holiday", Date.new(2013, 8, 26)),
-    Holiday.new("Summer Bank Holiday", Date.new(2014, 8, 25)),
-    Holiday.new("Summer Bank Holiday", Date.new(2015, 8, 31)),
-    
-    Holiday.new("New Year's Day", Date.new(2011, 1, 3)),
-    Holiday.new("New Year's Day", Date.new(2012, 1, 2)),
-    Holiday.new("New Year's Day", Date.new(2013, 1, 1)),
-    Holiday.new("New Year's Day", Date.new(2014, 1, 1)),
-    Holiday.new("New Year's Day", Date.new(2015, 1, 1)),
-    
-    Holiday.new("Christmas Day", Date.new(2011, 12, 26)),
-    Holiday.new("Christmas Day", Date.new(2012, 12, 25)),
-    Holiday.new("Christmas Day", Date.new(2013, 12, 25)),
-    Holiday.new("Christmas Day", Date.new(2014, 12, 25)),
-    Holiday.new("Christmas Day", Date.new(2015, 12, 25)),
-    
-    Holiday.new("Easter Monday", Date.new(2011, 4, 25)),
-    Holiday.new("Easter Monday", Date.new(2012, 4, 9)),
-    Holiday.new("Easter Monday", Date.new(2013, 4, 1)),
-    Holiday.new("Easter Monday", Date.new(2014, 4, 21)),
-    Holiday.new("Easter Monday", Date.new(2015, 4, 6)),
-    
-    Holiday.new("Boxing Day", Date.new(2011, 12, 27)),
-    Holiday.new("Boxing Day", Date.new(2012, 12, 26)),
-    Holiday.new("Boxing Day", Date.new(2013, 12, 26)),
-    Holiday.new("Boxing Day", Date.new(2014, 12, 26)),
-    Holiday.new("Boxing Day", Date.new(2015, 12, 28))
-  ]
-  
-  PUBLIC_HOLIDAYS = BANK_AND_PUBLIC_HOLIDAYS_ENGLAND_AND_WALES
-end
\ No newline at end of file
+  class PublicHolidays
+    attr_reader :raw_data
+
+    BASE_URL = 'https://www.gov.uk/bank-holidays.json'
+    DEFAULT_DIVISION = 'england-and-wales'
+
+    def initialize
+      @raw_data = ::JSON.parse(::URI.parse(BASE_URL).read)
+    rescue OpenURI::HTTPError, JSON::ParserError
+      raise Nextday::Error, 'Unable to load any public holidays.'
+    end
+
+    def fetch
+      @data ||= parse(DEFAULT_DIVISION)
+    end
+
+    private
+    def parse(division)
+      div = @raw_data[division]
+      raise Error, "Unable to find division #{division}" unless div
+      raise Error, "Unable to find events for division #{division}" unless div['events']
+
+      div['events'].map { |e|
+        Holiday.new(e['title'], Date.parse(e['date']))
+      }
+    end
+  end
+end
diff --git a/lib/nextday/version.rb b/lib/nextday/version.rb
index a74682e..f00bed3 100644
--- a/lib/nextday/version.rb
+++ b/lib/nextday/version.rb
@@ -1,3 +1,3 @@
 module Nextday
-  VERSION = "0.4.0"
+  VERSION = "0.5.0"
 end