{"id":177,"date":"2026-03-23T18:33:52","date_gmt":"2026-03-23T18:33:52","guid":{"rendered":"https:\/\/wealthgenius.co.uk\/blogs\/?p=177"},"modified":"2026-03-23T18:33:52","modified_gmt":"2026-03-23T18:33:52","slug":"mccloud-remedy-update-what-the-latest-hmrc-foi-data-means-for-nhs-public-sector-staff-november-2025","status":"publish","type":"post","link":"https:\/\/wealthgenius.co.uk\/blogs\/mccloud-remedy-update-what-the-latest-hmrc-foi-data-means-for-nhs-public-sector-staff-november-2025\/","title":{"rendered":"McCloud Remedy Update: What the Latest HMRC FOI Data Means for NHS &amp; Public Sector Staff (November 2025)"},"content":{"rendered":"\n<p>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 <strong>Remediable Pension Savings Statements (RPSS)<\/strong>, new Freedom of Information (FOI) data obtained from HMRC (dated <strong>5 November 2025<\/strong>) offers a clear snapshot of where submissions currently stand \u2014 and how much remains unresolved.<\/p>\n\n\n\n<p>This blog breaks down the latest numbers, explains what they mean for your <strong>McCloud rectification position<\/strong>, and outlines what you may need to do next.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\ud83d\udcca McCloud Remedy Update: Total Submissions So Far<\/h2>\n\n\n\n<p>According to HMRC\u2019s latest Freedom of Information (FOI) release, a total of:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a><strong>\u27a1\ufe0f<\/strong><strong> 21,758 RPSS submissions have been received across all public service schemes.<\/strong><\/h3>\n\n\n\n<p>This figure reflects all submissions made between the start of the RPSS process and 5 November 2025.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Breakdown by pension scheme:<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Pension Scheme<\/strong><\/td><td><strong>Total Submissions Received<\/strong><\/td><\/tr><tr><td><strong>NHS<\/strong><\/td><td><strong>14,302<\/strong><\/td><\/tr><tr><td><strong>Teachers<\/strong><strong><\/strong><\/td><td>1,616<\/td><\/tr><tr><td><strong>Police<\/strong><strong><\/strong><\/td><td>1,344<\/td><\/tr><tr><td><strong>Armed Forces<\/strong><strong><\/strong><\/td><td>2,541<\/td><\/tr><tr><td><strong>Fire<\/strong><strong><\/strong><\/td><td>571<\/td><\/tr><tr><td><strong>Civil Service<\/strong><strong><\/strong><\/td><td>1,343<\/td><\/tr><tr><td><strong>Ministry of Justice<\/strong><strong><\/strong><\/td><td>41<\/td><\/tr><tr><td><strong>Total<\/strong><\/td><td><strong>21,758<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The NHS remains the largest scheme affected by the McCloud remedy \u2014 accounting for <strong>65.7%<\/strong> of all submissions.<\/p>\n\n\n\n<p>However, this number is <strong>still low relative to the volume of RPSS statements issued<\/strong>, meaning many NHS staff have not yet acted.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udcc8 Submissions Processed vs Outstanding<\/h4>\n\n\n\n<p>One of the most important indicators in the Freedom of Information (FOI) data is how quickly HMRC is progressing through submissions.<\/p>\n\n\n\n<p>As of <strong>5 November 2025<\/strong>:<\/p>\n\n\n\n<p>\u25cf Total submissions received: 21,758<br>\u25cf Total submissions processed: 18,939<br>\u25cf Total submissions still outstanding: 2,819<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"624\" height=\"389\" src=\"https:\/\/wealthgenius.co.uk\/blogs\/wp-content\/uploads\/2026\/03\/submissions-processed.png\" alt=\"\" class=\"wp-image-178\" style=\"aspect-ratio:1.6041536120311521;object-fit:cover;width:774px;height:auto\" srcset=\"https:\/\/wealthgenius.co.uk\/blogs\/wp-content\/uploads\/2026\/03\/submissions-processed.png 624w, https:\/\/wealthgenius.co.uk\/blogs\/wp-content\/uploads\/2026\/03\/submissions-processed-300x187.png 300w\" sizes=\"auto, (max-width: 624px) 100vw, 624px\" \/><\/figure>\n<\/div>\n\n\n<h4 class=\"wp-block-heading\"><strong>This represents a processing completion rate of:<\/strong><\/h4>\n\n\n\n<p><strong>\u27a1\ufe0f 87% processed<\/strong><\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>Processing times, which previously averaged 6\u20137 months, are beginning to improve as more cases are resolved.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udca1 How Are People Submitting? (Digital vs Agent Submissions)<\/h4>\n\n\n\n<p>The Freedom of Information (FOI) data shows a steady shift in how individuals are choosing to submit their RPSS information.<\/p>\n\n\n\n<p><strong>Submission method (as of 5 Nov 2025):<\/strong><\/p>\n\n\n\n<p>\u25cf Digital submissions : 12,163 (55.9%)<br>\u25cf Agent submissions : 9,595 (44.1%)<\/p>\n\n\n\n<p>Earlier in 2025, digital submissions made up more than 80%. Over time, the proportion of agent-led submissions has <strong>increased consistently<\/strong>, indicating:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Many people now feel unsure about completing the calculations themselves<\/li>\n\n\n\n<li>More individuals are seeking professional support due to complexity<\/li>\n\n\n\n<li>Pitfalls, errors, and risk of incorrect tax reporting remain a concern for members<\/li>\n<\/ul>\n\n\n\n<p>This aligns with what many NHS and public sector professionals are experiencing \u2014 the McCloud remedy calculations are intricate and time consuming.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"624\" height=\"416\" src=\"https:\/\/wealthgenius.co.uk\/blogs\/wp-content\/uploads\/2026\/03\/mccloud-rectification.png\" alt=\"\" class=\"wp-image-179\" style=\"width:840px;height:auto\" srcset=\"https:\/\/wealthgenius.co.uk\/blogs\/wp-content\/uploads\/2026\/03\/mccloud-rectification.png 624w, https:\/\/wealthgenius.co.uk\/blogs\/wp-content\/uploads\/2026\/03\/mccloud-rectification-300x200.png 300w\" sizes=\"auto, (max-width: 624px) 100vw, 624px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udd0d Why the Data Matters for Your McCloud Rectification Position<\/h4>\n\n\n\n<p>The numbers make one thing very clear:<\/p>\n\n\n\n<p>A large proportion of eligible staff still have not acted.<\/p>\n\n\n\n<p>With over <strong>21,000<\/strong> submissions received but far more RPSS statements issued \u2014 especially within the NHS \u2014 thousands of members may be sitting on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Unclaimed adjustments<\/li>\n\n\n\n<li>Possible Annual Allowance repayments<\/li>\n\n\n\n<li>Tax corrections<\/li>\n\n\n\n<li>Potential compensation<\/li>\n\n\n\n<li>Updated pension figures affecting future benefits<\/li>\n<\/ul>\n\n\n\n<p>Not taking action means any adjustments owed <strong>cannot<\/strong> be processed.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udccc Indicators You May Need to Take Action<\/h4>\n\n\n\n<p>You may need to review your McCloud rectification position if you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Received an RPSS between 2023\u20132025<\/li>\n\n\n\n<li>Paid Annual Allowance charges in any year between 2015\/16 and 2021\/22<\/li>\n\n\n\n<li>Used Scheme Pays<\/li>\n\n\n\n<li>Experienced higher-than-expected pension input amounts<\/li>\n\n\n\n<li>Had pension growth above \u00a340,000 in 2022\/23<\/li>\n\n\n\n<li>Are uncertain whether your statement is correct or complete<\/li>\n\n\n\n<li>Have multiple pension schemes (e.g., GP, hospital, sessional roles)<\/li>\n<\/ul>\n\n\n\n<p>Even if you have not been contacted recently, historic Annual Allowance issues may still require recalculation.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udfe2 What You Should Do Next<\/h4>\n\n\n\n<p>If your RPSS is still sitting unread or unsubmitted, the latest <a href=\"https:\/\/wealthgenius.co.uk\/wg-mccloud-remedy\"><strong>McCloud remedy update<\/strong><\/a> is a reminder to take action sooner rather than later.<\/p>\n\n\n\n<p><strong>Here are your next steps:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Review your RPSS documents carefully<br>Understanding what each figure means is essential to identifying potential corrections.<\/li>\n\n\n\n<li>Make sure you know whether you qualify for corrections<br>Your eligibility depends on growth between 2015\/16\u20132022\/23, and whether previous Annual Allowance charges were paid.<\/li>\n\n\n\n<li>Consider professional review<br>With 44.1% now opting for agent-led submissions, it\u2019s clear many members prefer specialist support due to complexity.<\/li>\n\n\n\n<li>\u00a0Act before processing backlogs return<br>HMRC is currently processing submissions faster \u2014 but delays may return as more members submit.<\/li>\n\n\n\n<li>Don\u2019t ignore your McCloud position<br>Thousands of members still haven\u2019t acted, risking missed adjustments or repayments.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udcac Need clarity on your McCloud remedy?<\/h4>\n\n\n\n<p>Understanding your <strong>McCloud rectification position<\/strong> can help you make informed decisions about your pension, tax liability and future benefits.<\/p>\n\n\n\n<p>To learn more about the <a href=\"https:\/\/wealthgenius.co.uk\/blog-view\/understanding-the-mccloud-remedy\"><strong>understanding of the McCloud remedy<\/strong><\/a><strong> <\/strong>and how it came about.<\/p>\n\n\n\n<p>Wealth Genius provides <strong>clear guidance <\/strong>throughout the McCloud process \u2014 from <a href=\"https:\/\/wealthgenius.co.uk\/blog-view\/understanding-the-rpss-nhs-pension-deadlines\"><strong>understanding your RPSS to reviewing your NHS pension<\/strong><\/a> position. Our team supports you through each stage, helping you navigate the complexity with confidence.<\/p>\n\n\n\n<p>If you have any questions relating to theNHS Pension Scheme or your McCloud remedy position, please get in touch with Wealth Genius.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>Compliance<\/strong><\/p>\n\n\n\n<p><em>Tax treatment varies according to individual circumstances and is subject to change.<\/em><em>The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.<\/em><\/p>\n\n\n\n<p><strong>Approver: Quilter Financial Services Limited \u2013 November 2025<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":180,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[23,24,17,16,18,20,25,21,22,19],"class_list":["post-177","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogs","tag-annual-allowance-correction","tag-mccloud-foi-data","tag-mccloud-rectification-position","tag-mccloud-remedy","tag-mccloud-remedy-update","tag-nhs-pensions","tag-pension-tax-uk","tag-public-sector-pensions","tag-remediable-pension-savings-statement","tag-rpss-submissions"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>McCloud Remedy Update: Latest HMRC FOI Data &amp; Your Pension Position<\/title>\n<meta name=\"description\" content=\"Latest Freedom of Information (FOI) updates provide detailed picture of RPSS activity &amp; processing across NHS &amp; other public sector schemes. 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