The McCloud remedy continues to be one of the most significant pension corrections ever applied across UK public service schemes. As thousands of NHS and public sector professionals work through their Remediable Pension Savings Statements (RPSS), new Freedom of Information (FOI) data obtained from HMRC (dated 5 November 2025) offers a clear snapshot of where submissions currently stand — and how much remains unresolved.
This blog breaks down the latest numbers, explains what they mean for your McCloud rectification position, and outlines what you may need to do next.
📊 McCloud Remedy Update: Total Submissions So Far
According to HMRC’s latest Freedom of Information (FOI) release, a total of:
➡️ 21,758 RPSS submissions have been received across all public service schemes.
This figure reflects all submissions made between the start of the RPSS process and 5 November 2025.
Breakdown by pension scheme:
| Pension Scheme | Total Submissions Received |
| NHS | 14,302 |
| Teachers | 1,616 |
| Police | 1,344 |
| Armed Forces | 2,541 |
| Fire | 571 |
| Civil Service | 1,343 |
| Ministry of Justice | 41 |
| Total | 21,758 |
The NHS remains the largest scheme affected by the McCloud remedy — accounting for 65.7% of all submissions.
However, this number is still low relative to the volume of RPSS statements issued, meaning many NHS staff have not yet acted.
📈 Submissions Processed vs Outstanding
One of the most important indicators in the Freedom of Information (FOI) data is how quickly HMRC is progressing through submissions.
As of 5 November 2025:
● Total submissions received: 21,758
● Total submissions processed: 18,939
● Total submissions still outstanding: 2,819
This represents a processing completion rate of:
➡️ 87% processed
This is a significant improvement from earlier in 2025, when completion rates were between 22% and 43%, depending on the Freedom of Information (FOI) period.
Processing times, which previously averaged 6–7 months, are beginning to improve as more cases are resolved.
💡 How Are People Submitting? (Digital vs Agent Submissions)
The Freedom of Information (FOI) data shows a steady shift in how individuals are choosing to submit their RPSS information.
Submission method (as of 5 Nov 2025):
● Digital submissions : 12,163 (55.9%)
● Agent submissions : 9,595 (44.1%)
Earlier in 2025, digital submissions made up more than 80%. Over time, the proportion of agent-led submissions has increased consistently, indicating:
- Many people now feel unsure about completing the calculations themselves
- More individuals are seeking professional support due to complexity
- Pitfalls, errors, and risk of incorrect tax reporting remain a concern for members
This aligns with what many NHS and public sector professionals are experiencing — the McCloud remedy calculations are intricate and time consuming.
🔍 Why the Data Matters for Your McCloud Rectification Position
The numbers make one thing very clear:
A large proportion of eligible staff still have not acted.
With over 21,000 submissions received but far more RPSS statements issued — especially within the NHS — thousands of members may be sitting on:
- Unclaimed adjustments
- Possible Annual Allowance repayments
- Tax corrections
- Potential compensation
- Updated pension figures affecting future benefits
Not taking action means any adjustments owed cannot be processed.
📌 Indicators You May Need to Take Action
You may need to review your McCloud rectification position if you:
- Received an RPSS between 2023–2025
- Paid Annual Allowance charges in any year between 2015/16 and 2021/22
- Used Scheme Pays
- Experienced higher-than-expected pension input amounts
- Had pension growth above £40,000 in 2022/23
- Are uncertain whether your statement is correct or complete
- Have multiple pension schemes (e.g., GP, hospital, sessional roles)
Even if you have not been contacted recently, historic Annual Allowance issues may still require recalculation.
🟢 What You Should Do Next
If your RPSS is still sitting unread or unsubmitted, the latest McCloud remedy update is a reminder to take action sooner rather than later.
Here are your next steps:
- Review your RPSS documents carefully
Understanding what each figure means is essential to identifying potential corrections. - Make sure you know whether you qualify for corrections
Your eligibility depends on growth between 2015/16–2022/23, and whether previous Annual Allowance charges were paid. - Consider professional review
With 44.1% now opting for agent-led submissions, it’s clear many members prefer specialist support due to complexity. - Act before processing backlogs return
HMRC is currently processing submissions faster — but delays may return as more members submit. - Don’t ignore your McCloud position
Thousands of members still haven’t acted, risking missed adjustments or repayments.
💬 Need clarity on your McCloud remedy?
Understanding your McCloud rectification position can help you make informed decisions about your pension, tax liability and future benefits.
To learn more about the understanding of the McCloud remedy and how it came about.
Wealth Genius provides clear guidance throughout the McCloud process — from understanding your RPSS to reviewing your NHS pension position. Our team supports you through each stage, helping you navigate the complexity with confidence.
If you have any questions relating to theNHS Pension Scheme or your McCloud remedy position, please get in touch with Wealth Genius.
Compliance
Tax treatment varies according to individual circumstances and is subject to change.The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Approver: Quilter Financial Services Limited – November 2025
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