@gdcuk

Founder of Medifintech. #NHSpension specialist with an awesome team of experts (inc. @Jack__Needham) Saved members £millions🤯 Contact: [email protected]

Cheltenham, England
Joined December 2009
Great experience appearing live on TV on @MartinSLewis @itvMLshow tonight as their NHS pension expert Lot's of NHS pension questions received, shame we could only do a couple due to the time available You could probably do a whole show on NHS pensions!
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Final chance to register for @Jack__Needham webinar tonight on contingent decisions
📢 NHS Pension Webinar: Contingent Decisions for Members Who Have Opted Out during the remedy period. Tuesday 7th July 7:30pm Join to understand the contingent decision process, key considerations, and all questions covered. 👉 Register here: events.teams.microsoft.com/e…
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NHSBSA has now confirmed McCloud Choice (RSS) timelines stretching as far as 2030. • Most impacted retired members: by end of 2027 • Other retired members: by June 2030 • Outstanding RPSS: by March 2027 Nearly 20,000 RPSS are still outstanding. questions-statements.parliam…
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Graham Crossley (NHS Pension Wonk) retweeted
Thanks for raising this. I was also surprised by Tony’s thread and disappointed by how our involvement was misrepresented, especially as we exchanged DMs yesterday, which I answered in good faith. I explained that we simply provided a calculation tool (which matched Tony’s own results penny for penny), I pointed out The Times’ error on not using the actuarially reduced figure, and confirmed that the assumptions and scenario came entirely from The Times (we also provided The Times a quote to counter their narrative). I even encouraged Tony to challenge the numbers, as they don’t “reflect the reality on the ground,” and said I agreed that healthcare workers are significantly undervalued. I was disappointed to see that turned into a personal attack. I don’t understand the motivation and hope it’s just a misunderstanding. I’ve privately asked him to provide a correction. Those who know me and know Medifintech know that we stand up for healthcare workers and have been instrumental in righting many wrongs with the NHS Pension, and we’ll continue to do so.
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Graham Crossley (NHS Pension Wonk) retweeted
The Consumer Prices Index (CPI) rose by 3.8% in the 12 months to September 2025, unchanged from August 2025. The September, August and July 2025 figures were the joint-highest recorded since January 2024, when the rate was 4.0%. Read the article ➡️ ons.gov.uk/economy/inflation…
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Graham Crossley (NHS Pension Wonk) retweeted
😞 Hugely disappointing that the 24/25 PSS deadline has been missed - with 23/24 PSSs and many RPSSs still outstanding. ⚠️ Also concerning that the new batch of RPSSs from NHSBSA no longer show the old growth - it really feels like we’re going backwards. 📉 This change not only makes it harder for members to check if action’s needed, but also removes a useful prompt for recalling old annual allowance charges (often missed from the HMRC data extract) that could now be refundable.
Today is the STATUTORY DEADLINE for 24/25 "brown envelopes" I would normally post a picture or video of my PSS. I havent received my 23/24 (asked 5 times) let alone 24/25. Many havent received an RPSS. Its a disgrace @nhs_pensions Post a picture of YOUR envelope (or doormat)
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😞 Hugely disappointing that the 24/25 PSS deadline has been missed - with 23/24 PSSs and many RPSSs still outstanding. ⚠️ Also concerning that the new batch of RPSSs from NHSBSA no longer show the old growth - it really feels like we’re going backwards. 📉 This change not only makes it harder for members to check if action’s needed, but also removes a useful prompt for recalling old annual allowance charges (often missed from the HMRC data extract) that could now be refundable.
Today is the STATUTORY DEADLINE for 24/25 "brown envelopes" I would normally post a picture or video of my PSS. I havent received my 23/24 (asked 5 times) let alone 24/25. Many havent received an RPSS. Its a disgrace @nhs_pensions Post a picture of YOUR envelope (or doormat)
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🚀 We’re hiring! Join us as an NHS Pension Consultant, bring your expertise, make an impact, and grow with a supportive team. 💼 🔍 More info & apply here: quilter.wd3.myworkdayjobs.co…
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About to talk to hundreds of accountants on the McCloud Remedy. This one is about to get technical🤯 I hope they're ready!
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Graham Crossley (NHS Pension Wonk) retweeted
Thanks to @gdcuk and @Jack__Needham from Medifintech for their help with my RPSS and the McCloud remedy. A fantastic service that I would highly recommend to colleagues looking for help with their NHS pension.
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Graham Crossley (NHS Pension Wonk) retweeted
💬 When I spoke to HMRC/HMT policy team we spoke about extending Scheme Pays deadlines for those with delayed RPSSs and they were optimistic ✅ Great to see it confirmed - now 6 July 2027 📌 Important for anyone wanting to use Scheme Pays for a new charge for 2019/20–2022/23
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Graham Crossley (NHS Pension Wonk) retweeted
Watch now📺📱💻! NHS Pension updates. HCSA - the hospital doctors' union @HCSANews #hospitaldoctorsunion teams up with Quilter Financial Services @gdcuk for insights from #NHS Pension specialist Graham Crossley in this free webinar for members: hcsa.com/get-help/pensions-a…
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💬 When I spoke to HMRC/HMT policy team we spoke about extending Scheme Pays deadlines for those with delayed RPSSs and they were optimistic ✅ Great to see it confirmed - now 6 July 2027 📌 Important for anyone wanting to use Scheme Pays for a new charge for 2019/20–2022/23
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Graham Crossley (NHS Pension Wonk) retweeted
Looking forward to tonight’s @HCSANews NHS pension webinar: real RPSS errors we’ve uncovered saving members £000s, plus key updates on Contingent Decisions and how to avoid costly mistakes by blindly following NHSBSA quotes and processes. Register here: event.on24.com/wcc/r/5023400…
Pensions errors can be costly. Tax can be confusing. The McCloud remedy is tortuously complex Not for NHS Pension expert @gdcuk - and this webinar will help you get the insights you need to get retirement right 🗓️ Mon July 28th 🕖 7pm 👉 Register now: event.on24.com/wcc/r/5023400…
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Graham Crossley (NHS Pension Wonk) retweeted
If you haven't registered yet, you've got a few hours left to do so
Looking forward to tonight’s @HCSANews NHS pension webinar: real RPSS errors we’ve uncovered saving members £000s, plus key updates on Contingent Decisions and how to avoid costly mistakes by blindly following NHSBSA quotes and processes. Register here: event.on24.com/wcc/r/5023400…
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Looking forward to tonight’s @HCSANews NHS pension webinar: real RPSS errors we’ve uncovered saving members £000s, plus key updates on Contingent Decisions and how to avoid costly mistakes by blindly following NHSBSA quotes and processes. Register here: event.on24.com/wcc/r/5023400…
Pensions errors can be costly. Tax can be confusing. The McCloud remedy is tortuously complex Not for NHS Pension expert @gdcuk - and this webinar will help you get the insights you need to get retirement right 🗓️ Mon July 28th 🕖 7pm 👉 Register now: event.on24.com/wcc/r/5023400…
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Graham Crossley (NHS Pension Wonk) retweeted
Pensions errors can be costly. Tax can be confusing. The McCloud remedy is tortuously complex Not for NHS Pension expert @gdcuk - and this webinar will help you get the insights you need to get retirement right 🗓️ Mon July 28th 🕖 7pm 👉 Register now: event.on24.com/wcc/r/5023400…
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Graham Crossley (NHS Pension Wonk) retweeted
🚨 Don’t panic about the 6 July Mandatory Scheme Pays deadline🗓️ It doesn’t mean you can’t use Scheme Pays. ✅ Voluntary Scheme Pays is still available after this date. I raised this before, and again with HMRC’s policy team yesterday, suggested aligning the deadline with pensioner members (6 July 2027). 🤝 They seemed receptive, and we expect a response soon. #NHSpensions #McCloudRemedy #SchemePays
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🚨 Don’t panic about the 6 July Mandatory Scheme Pays deadline🗓️ It doesn’t mean you can’t use Scheme Pays. ✅ Voluntary Scheme Pays is still available after this date. I raised this before, and again with HMRC’s policy team yesterday, suggested aligning the deadline with pensioner members (6 July 2027). 🤝 They seemed receptive, and we expect a response soon. #NHSpensions #McCloudRemedy #SchemePays
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Graham Crossley (NHS Pension Wonk) retweeted
✅Productive meeting today with HM Treasury & HMRC 🧠Had the chance to explain the complex realities of the NHS Pension & interaction with tax, including TTFACs, taper trap & extending mandatory Scheme Pays deadline 🤝Encouragingly receptive to my suggestions🙏 💷Even one fix could save members ££
Grateful to @TorstenBell for the invite to speak with HM Treasury and HMRC today about NHS pension tax issues I exposed in the press. ⚠️ These problems could cost members £000s in avoidable tax. ✅ Encouraging to see the government open to listening to industry experts. 🕒 Time for action.
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McCloud Remedy - HMRC Processing Update (3 May → 23 June) 📥 Submissions received: 14,325 → 17,072 (+2,747) ✅ Processed: 8,431 → 10,622 (+2,191) 📤 Outstanding: 5,894 → 6,450 (+556) 💻 Digital submissions: 9,894 → 10,633 (+739) 📄 Manual submissions: 4,431 → 6,439 (+2,008) ⚠️ Manual cases surging. Backlog growing. 📌 Manual submissions are typically made by accountants, NHS pension specialists & financial advisers. ⏳ We're seeing most cases take 5–6 months to resolve. #McCloudRemedy #NHSPensions #HMRC #Tax
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