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Autumn 2026 / Issue 306 / www.cspa.co.uk

THE MAGAZINE FOR MEMBERS OF THE CIVIL SERVICE PENSIONERS’ ALLIANCE

Taking on the world Travelling solo with confidence

Contents

utumn is often a time of change as life gears up again after the summer lull. This year the changes are big, both in politics and for the CSPA. Former Manchester Mayor and Minister Andy Burnham is the new Prime Minister and he has promised action in a vast range of areas, including social care and health, and more powers for the regions. We will be watching the upcoming party conferences for more details and for how the other political parties respond. We also hope the spirit of change permeates Capita and its management of the civil service pension scheme. In this edition of The Pensioner, our Pensions Manager David Luxton gives us an update on the persistent problems. At the CSPA, we have a new General Secretary – Josie Irwin – following the retirement of Sally Tsoukaris at the end of July. Please read Sally’s final column on page 10, in which she documents her time at the helm. We will miss Sally’s huge commitment and untiring work for the CSPA and for being such a good colleague. However, we are glad to have gained someone with Josie’s wealth of experience. She says hello on page 5. I hope you all have a pleasant autumn and enjoy the latest edition of your magazine.

NEWS ROUND-UP Including an introduction to new General Secretary Josie Irwin

SUBSCRIPTIONS Mike Sparham outlines the reasons for a subs increase

GENERAL SECRETARY 10 Sally Tsoukaris takes stock of the past five years as she bows out BANKING 12 Why community bank accounts matter

CONNECT 27 How will Andy Burnham’s approach to ‘Manchesterism’ play out across the UK?

DEPUTY GENERAL SECRETARY 14 Jonathan Safir reflects on changes at the top of government and the CSPA

BRANCH & GROUP NEWS 28 Summer activities, including a successful boat trip up the River Dee

COVER STORY: TRAVEL Solo travellers celebrate the many benefits of going it alone

LEGAL ADVICE 33 Affinity Resolutions’ Bernard Seymour looks at the practice of dynamic pricing

LIFEBOAT FUND 18 Marking 25 years of saving lives at sea

FEEDBACK 35 Your views, comments and questions

IN POLITICS 20 Round-up of parliamentary activity across the four UK nations

MEMBER BENEFITS 36 The services and discounts on offer

PENSIONS UPDATE 24 David Luxton on developments in the Capita pensions administration crisis

HELPDESK 37 Pros and cons of artificial intelligence EC ELECTIONS 38 Nominations in the first all-member ballot for Executive Council members CROSSWORD & SUDOKU

VIVID BRANDS / SHUTTERSTOCK.COM

Welcome

43-44

LAST WORD Where have all the pointless jobs gone, asks Chris Proctor

ISSN - 1360-3132

Head Office 160 Falcon Road, London SW11 2LN 020 8688 8418 enquiries@cspa.co.uk www.cspa.co.uk General Secretary: Josie Irwin josie.irwin@cspa.co.uk 020 8688 8418

Editor: Christine Buckley editor@cspa.co.uk 020 8688 8418

Published by: Square7 Media Ltd Publisher: Gaynor Garton

Changes of address or other information enquiries@cspa.co.uk or 020 8688 8418

Advertising sales: Ethan Hall ethan@square7media.co.uk

Scotland changes of address: Michael Kirby Michael.Kirby@cspa.co.uk or 07969 405263

Editorial production: Kate Wheal

Freepost RUHB-AGAL-SSUA

Design and art direction: Charlotte Russell

Please send branch news or any other contributions for the next edition to the editor by 30 September. Branches and groups with initials A C E G I K M O Q S U W or Y are invited to contribute – please email editor@cspa.co.uk

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News

PM pledges action on social care drive improvements to the care system and workforce, alongside the appointment of a dementia tsar later this year. Baroness Casey said her commission conducting the review of social care had already spoken to many people across the country about their experiences of social care. Unlike previous reviews, she said this work would place the public at the centre of the conversation to help identify solutions that command broad support. Later Life Ambitions (LLA) said the

Baroness Casey is placing the public at the centre of the conversation

Andy Burnham and Baroness Casey launch the Big Conversation at Jewish Care in Golders Green

Capita problems continue The severe problems in delivering the civil service pensions scheme by Capita have continued, with an estimated 17,000 claims not yet settled and 13,000 bereavement cases not yet dealt with. Many claimants have faced long waits with little or no explanation. One woman, who was widowed last October, was promised payment of her husband’s pension by December 2025 and was still waiting in August as The Pensioner went to press. CSPA head office continues to deal with a large number of people wanting help with their claims, raising the worst cases with the Cabinet Office.

Prime Minister’s announcement was a key step forward that must lead to meaningful action. It has called for a National Social Care Framework with consistent standards across England, backed by a sustainable funding settlement to give those receiving care, as well as providers, more certainty. LLA has also highlighted the need to invest in the social care workforce through improved pay and training, while ensuring health and social care services work more effectively to deliver joined-up support.

Capita has said it is developing a modelling system to help alleviate the backlog, which should be completed by October. It is expected that MPs on the Public Accounts Committee and the Public Administration and Constitutional Affairs Committee will take another look at the issue this autumn. • David Luxton, the CSPA’s Pensions Manager, reports on the longrunning problems on page 24.

Many claimants have faced long waits with little or no explanation

Vote for your Executive Council CSPA members have the chance to elect members of the Executive Council for the first time. Ballot papers are included in this copy of The Pensioner. Members whose email addresses we hold will also receive a secure link to vote online. Whether you vote by post or online, we urge members to have their say. This ballot is the first stage of a two-year trial approved by members at the 2025 AGM. • Read the candidates’ election statements on pages 38-42.

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LAUREN HURLEY / NO 10 DOWNING STREET

One of the key early moves of new Prime Minister Andy Burnham has been to pledge action on social care: • Baroness Casey’s independent review of social care will now conclude in 2027, one year earlier than originally planned. • The government will explore expanding the proposed fair pay agreement to bring social care careers closer to NHS standards by improving pay, training and professional development. • Cross-party talks will begin in an effort to build long-term consensus on the future of adult social care. Burnham has said that if there isn’t fundamental reform, the NHS could face crippling demands. Recognising that social care has been the subject of repeated reviews over many years, he said this time “must be different”. This was also a personal mission for him, he added, as his father has Alzheimer’s. Baroness Casey has started the Big Conversation, a nationwide exercise to give the public a voice in shaping reforms. There will be a new ministerial group to

News

The CSPA has a new general secretary after Sally Tsoukaris retired in August. Below, our new GS introduces herself. Staff and our partner organisations have paid tribute to Sally, who led the CSPA for three years and worked for us for four years. Sally helped lead the CSPA through change while championing

the interests of civil service pensioners. Representing members in meetings with ministers and MPs, or working with branches and volunteers, she has been a committed advocate for pensioners. “It has been an immense privilege to serve CSPA members over the past three years, which have been filled with challenges and opportunities,” she said. “I can’t honestly say it has always been easy, but it has been an honour and a privilege to work with so many incredible people who go above and beyond to help others.”

Sally has always been a committed advocate for pensioners

Hello!

My name is Josie Irwin. I’m delighted to be your new General Secretary. I’d like to pay tribute to Sally Tsoukaris for her leadership, particularly her work to address the treatment of civil service pensioners by Capita. Sally has also been very helpful preparing me for my new role. Best wishes for a long and happy retirement. Everyone at work should be able to look forward to a decent retirement. Civil servants who have devoted their working lives to public service should be paid the pensions they have saved. But too many of today’s pensioners face financial insecurity, healthcare burdens and social isolation. And debate about intergenerational fairness feels weighted against older people, often unjustly stereotyped as leading lives of luxury while their children struggle. I am excited to bring to my new job many years’ experience on behalf of public services staff. I was the chief negotiator for the Royal College of Nursing for over 25 years and led national

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pay negotiations as Staff Side Secretary of the NHS Staff Council for 14 NHS trade unions, 2004 to 2018. More recently, I was National Women’s Officer for Unison, and from 2022 Head of the union’s Equality Unit. My job was to ensure equality remained central to Unison’s operations, and to drive up participation of disadvantaged groups in the union. I have also been responsible for encouraging Unison’s 170,000 retired members to take part in union campaigns. I am proud of campaigns on the winter fuel allowance, personal independence payments, maternity rights and sexual harassment, and of increasing the number of retired members involved in the union. Outside work, I have experience as a London borough councillor and as a charity and pension fund trustee. I am a keen walker, enjoy yoga and opera and am a longstanding member of Chelsea Football Club. I look forward to meeting many of you in the coming months.

JPDFIVE, CC BY-SA 4.0 VIA WIKIMEDIA COMMONS

Changes at the top of the CSPA

Making the news and facing Count Binface The CSPA has been making the headlines recently, mainly through increased media interest in our work helping pensioners hit by the problems with civil service pension scheme administrator Capita. CSPA staff including General Secretary Sally Tsoukaris, Deputy General Secretary Jonathan Safir and Pensions Manager David Luxton have appeared on BBC Scotland and been quoted in the Daily Mirror, The Sun, the iPaper, Daily Express, Which?, GB News, Civil Service World, This is Money, Birmingham Live and Ilkeston News. From April to July, we appeared in 22 news stories and features. Public affairs consultancy Connect has helped us get our message across and raise our profile. David Luxton was also lined up for a live interview on the influential Radio 4 Today programme. But unfortunately he was stood down at the last minute in favour of an appearance by the intergalactic star of the moment – Count Binface.

David Luxton missed out to Count Binface on Radio 4’s Today

News

Come along to the AGM!

Have you switched yet? The UK’s analogue copper landline network is being replaced with a digital service ahead of the nationwide switchover, due to be completed by January 2027. More than three million UK households have already made the switch. You don’t need to take any action until your phone provider contacts you. But it is important to respond when they do. BT research found almost one in three people have ignored messages from a service provider, while three in 10 have missed an important deadline, often resulting in avoidable disruption or additional costs. For most customers, the change is straightforward and simply involves connecting your phone to your broadband router instead of the wall socket. If you don’t have broadband, your provider will explain the options available to ensure you can continue using your landline. The switch is free, you’ll keep your existing phone number, and more than

The switch is free, and you’ll keep your existing phone number

99% of existing handsets are compatible. Customers will receive at least four weeks’ notice before their switch date. The move to digital brings additional benefits, including improved protection against scam and nuisance calls. BT reports that its Call Protect service has blocked more than 91 million scam and spam calls in the past year. Extra support is available for those who need it, including free engineer visits and backup solutions for eligible customers who rely on their landline in power cuts. If you’re contacted by your provider about the digital switchover, make sure you respond promptly and follow the guidance provided. If you know someone who may be less confident with technology, you may also wish to let them know about the upcoming change. The CSPA recognises the move from an ageing analogue network to a digital service is a necessary and important upgrade to ensure reliable, secure and sustainable communications for the future. We encourage customers to engage with their provider when contacted and to take the steps to complete the switch.

Individual members have always been able to attend the CSPA AGM, although they have usually had to meet some of the costs themselves. Recognising that many members are no longer represented by a group or branch, the 2025 AGM approved a rule change allowing up to 12 members not covered by a group or branch to attend free of charge, subject to an annual review. For the AGM on 7-8 October, free attendance includes single-room accommodation (as required), meals and day attendance. Travel costs are not included, but a free shuttle coach will operate between Coventry station and the venue in Kenilworth. Members not covered by a group or branch who wish to attend or have any queries about eligibility, should contact CSPA head office by 4 September on 020 8688 8418 or email enquiries@cspa.co.uk. Places are limited and will be allocated subject to availability. Attendees will be able to participate fully in the AGM, including voting. To view the AGM agenda, please visit https://www.cspa.co.uk/events/ annual-general-meeting/

Up to 12 members not in a group or branch can attend free of charge

Calling overseas members Our records show that about 500 members are based outside the UK, with over half opting to receive copies of The Pensioner magazine – at a considerable cost to the organisation in postage. In future, we will encourage

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overseas members with access to emails and the internet to opt to receive digital copies instead. Please email enquiries@cspa.co.uk if you live abroad and would be happy to opt out of paper copies of The Pensioner.

Finance

Debating a subs rise Ahead of the AGM, national Treasurer Mike Sparham sets out reasons for an increase

rice increases affect everybody, but since the current subscription rates were set four years ago, the CSPA has met its financial target, as a not-forprofit organisation, to break even. This is despite increased costs in employers National Insurance, business rates, rent, electricity, postage and the contract with Quadient for publishing group newsletters. The target has been achieved by closely controlling expenditure and making some significant cost savings, including: • Reducing the cost of the AGM • Reducing the cost of The Pensioner by no longer printing three supplements each year • Withdrawing from the Parliament Hill contract • Reducing the mobile phone contracts • Circulating most Executive Council (EC) papers and group newsletters by email, reducing printing and postage costs. Nevertheless, the CSPA made a small loss in 2025, and expects a further loss this year. There are sufficient funds to

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meet these losses without drawing on our reserves, but that is not a situation that can continue. The EC has reluctantly concluded that, after four years, there is a need to seek an increase in membership fees to maintain financial stability. The EC will be recommending to this year’s AGM that, with effect from 1 April 2027, individual membership subscriptions should be increased by 50p a month (to £3.50) and joint membership subscriptions should be increased by 70p a month (to £4.90). We are sorry there is a need to take this step, and the EC hopes that you will understand the reasons for it. This will be only the second increase in subscriptions in 10 years, during which time the CSPA has modernised its systems

This will be only the second increase in subscription rates in 10 years

and improved efficiencies in several ways: • Introduced a new membership records system • Rebuilt and improved our website • Introduced the ability to join online and pay monthly by direct debit • Improved and widened our social media presence • Refocused the membership benefits package • Introduced the commissioning of articles for The Pensioner • Begun a trial of electing EC members by membership ballot. It will be up to the AGM to decide whether to accept the recommendation. A report on this will be given in the next issue. If it is agreed, formal notice will be provided to members in the Spring issue of The Pensioner, meeting our obligations under the Direct Debit Guarantee. If you would like any more background information about the recommendation or the finances of the CSPA, please contact me by emailing m.sparham@cspa.co.uk

General secretary's

Report Sally Tsoukaris

s I write, I’m contemplating my own retirement, which seems surreal even though I have planned for it for some time. You will remember how

this feels! I will miss my role as General Secretary, but I move on to my life’s next chapter reassured that you are in the best of hands, and proud of what we have

achieved. We have a dedicated, capable team at CSPA HQ and I am confident that Josie Irwin will be a fantastic General Secretary. I wish her every success.

Looking back and forward 2022

2023

2024

I initially joined the HQ team in a supportive role in June 2022. General Secretary Lisa Ray and others had faced tremendous hurdles bringing the CSPA through Covid. The steady trickle of group closures increased when it was impossible to meet in person. But the EC responded by conducting a membership survey to establish views on what the organisation had to offer, subsequently rebranding under the strapline ‘Protecting what you’ve earned’. The CSPA celebrated its 70th anniversary with a gala AGM dinner featuring Sue Gray (now Baroness Gray of Tottenham) as guest speaker, followed by a Parliamentary event hosted by Clive Betts MP. We entered a new era of digital communications, with online joining via an updated website and a new membership database. We were committed to improving our offer to those on the brink of retirement, while maintaining more traditional postal communications for longstanding members without access to emails and websites.

The year got off to a rocky start. We were beset with technical issues for the new website and database – experiencing first hand some of the problems that have added to Capita’s woes with the civil service pension scheme. As I took on the General Secretary role in early August, several members of the HQ team had departed, so I had to recruit team members with appropriate skills to manage our new operating systems. It was not an easy time, but we worked through it gradually and things got better. In preparation for the general election that year, we launched the Later Life Ambitions (LLA) pensioners’ manifesto Standing by pensioners at a Parliamentary event in November, hosted by Sir Stephen Timms MP. The manifesto would turn out to be a useful tool for lobbying cross-party MPs and setting out our core campaign priorities.

The early months were dominated by pre-election speculation, followed by Keir Starmer coming to government in July. The media was full of reports of a ‘fiscal black hole’ and pensioners were stunned when Chancellor Rachel Reeves removed winter fuel payments for all but the poorest, reducing the number of recipients from 10.8 million to 1.5 million. The CSPA worked with the NPC, Age UK, Independent Age and LLA partners to oppose this vociferously. I had the opportunity to address a protest outside the House of Commons organised by the NPC and Unite union in October. Labour’s election manifesto had committed to the delivery of a national care framework, but we were frustrated by the apparent lack of urgency and lobbied behind the scenes on this with campaign partners. Autumn brought multiple consultations and opportunities to influence: the Health and Social Care Select Committee’s inquiry into adult social care reform; the Treasury Select Committee’s review of access to cash; the Transport Select Committee’s investigation into buses connecting communities; and the government’s digital inclusion action plan. The year concluded with a successful pre-Christmas Parliamentary event to celebrate LLA’s 10th anniversary, hosted by Lord Davies of Brixton.

The CSPA celebrated its 70th anniversary with a gala AGM 10

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General secretary

CSPA AGM priorities

2025

2026

Work with LLA continued, feeding into letters to the Chancellor and ministers, a submission to the Spending Review, the third review of the state pension age and other consultations. Baroness Casey was appointed to review adult social care in England, but got off to a slow start. We welcomed the winter fuel payment reinstatement for all pensioners with incomes under £35,000 in June, despite concerns this may herald other means testing. To combat this, LLA’s Budget for Later Life launched in October – a hook for media coverage, building pressure on the Chancellor to deliver for those in later life. We also held LLA meetings with MPs on access to cash and digital exclusion – this led to me presenting evidence on LLA’s behalf to the All-Party Parliamentary Group in June 2026. On 1 December 2025, Capita took over administration of the civil service pension scheme – you will have read how this has affected members. The CSPA has made a robust response to the crisis in the first half of 2026, but the debacle has brought stress and hardship for too many. Read more about this on page 24.

The Capita crisis has silver linings: most established pensions continue unabated; and the crisis has allowed the CSPA to engage with the Public Accounts Committee, Cabinet Office and the media, and attract many new members. The year has also been taken up by our all-member survey on the CSPA’s status, regional meetings to consult with groups and branches on this and possible incorporation, and the first allmember ballot to elect the national EC. With members’ support, the EC will move to the next stage of incorporation with a motion to progress incorporation after the 2027 AGM. Summer has been filled with Prime Minister Andy Burnham prioritising the cost of living, devolution and social care reform. And work with LLA continues to defend the triple-lock and to campaign against frozen personal tax thresholds. As a member of the Care and Support Alliance, the CSPA has been able to influence the Casey team reviewing social care in England. This was to report interim recommendations this year, with conclusions in 2028. The CSPA welcomes Burnham’s moves to make this earlier. Casey is to gather feedback from care providers, charities and campaign groups, and those caring or receiving care. Please contribute – visit https:// caseycommission.co.uk/ or contact your CSPA group or HQ for details.

Baroness Casey’s review into adult social care in England had a slow start

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This year’s Annual General Meeting, on 7-8 October, is fast approaching and CSPA groups and branches have again drawn our attention to issues concerning members. We have received motions on topics varying from the civil service and state pension, to pensioner taxation, health and social care, and digital exclusion. We appreciate the work of members who participate in the CSPA, nationally and locally, and look forward to coming together in Kenilworth for lively debates. If you would like a copy of the AGM booklet containing the agenda, nominations, motions for debate and much more, please visit the members’ area of the CSPA website or contact CSPA HQ to be sent one. We are excited to be giving you all a chance to elect members of the Executive Council this September, and I hope you will have your say by returning your ballot paper. If you have any queries or did not receive your ballot papers with the magazine, contact independent ballot provider Mi-Voice by emailing support@mi-voice.com or calling 02380 763987.

Banking

Community chest

ranch closures, fewer banks offering community accounts, new fees from those who still provide them. It’s a perfect storm. Many non-profits, charities and voluntary organisations are struggling to find a good-value community account. To the outside world, the sums may seem small – a monthly charge for a community bank account and various costs for transactions and deposits. But for CSPA groups, these fees quickly mount up. It’s particularly galling when, shortly after finding a new plan, the bank introduces new charges. David Owen, the CSPA London Regional Representative and Chair of the South London Group, is a back-up authoriser for Kingston Group’s bank account. The group had banked with Lloyds but last summer switched to Metro Bank. Owen explains why. “Metro was advertising community accounts that were free of charge, whereas Lloyds was going to charge a monthly fee plus transaction fees, particularly for cheques or cash deposits. “[Kingston Group] joined Metro Bank and within a couple of months, the bank introduced a community charge of £3 a month. Yes, it’s a relatively small amount, but a small CSPA group budget may only be £300 or £400 a year. So for them it’s a significant percentage.” Kingston is not alone. In an article by UK consumer champion Which? last year, the treasurer of a local private badminton club with 10 members said he had been forced to keep changing the club’s bank account as branches closed or fees were levied. At the time, only one bank would offer free banking to a non-registered community club: Metro Bank. He commented at the time: “I’m not holding my breath for how long this new account will last.” When The Pensioner called Metro Bank, a spokesperson said: “We contacted customers last year to inform them that from December 2025 we would be introducing a small account fee of £3 a month to our Community Current Account. “This ensures we can continue to service these accounts while keeping costs as low as possible for customers, who continue to receive 200 free transactions a month. We provided customers with as much notice as possible in advance of these changes.”

According to Metro Bank, existing customers were told in September 2025 and any new customers opening accounts after that were told that a fee would be introduced from 1 December 2025. This was cold comfort to organisations relying on existing accounts. Owen says: “When you consider that people with

“While many accounts are free, others charge monthly fees from £2.50 to £45” personal current accounts pay nothing, and probably have a couple of dozen direct debits going out every month, I’d say the new charge probably is unfair.”

Community pros and cons So, why open a community account? Adverts publicise their ability to meet the needs of charities, clubs and societies. Campaigns advocate for useful, easyto-understand accounts, allowing groups

to stay on top of their finances, whether that’s through online banking, in store, over the phone or on an app. But none of that unveils the real picture. Like so many financial products, the devil is in the detail. As well as monthly fees for community bank accounts, there are charges for cash and cheque deposits. Typically, there’s a cap on the number of free transactions in a calendar month, and some banks levy fees for sending money abroad. Like personal accounts, organisations can also expect fees for unarranged overdrafts. Adam French, Head of Consumer Finance at comparison website Moneyfacts, says community bank accounts can be a huge help to charities, clubs and voluntary groups, making it easier to manage funds with a clear separation between personal and group finances. Unlike standard business accounts, they are designed for nonprofits, often with lower fees and features tailored to committee-run organisations. “One of the most obvious perks is

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Banking Helen Nugent finds out why community bank accounts matter

overall package, including turnover limits, cash deposit fees, direct debit charges, authorised user numbers, online banking quality, dual authorisation controls and cheque-processing costs. Eligibility criteria can also vary between providers.”

Choosing an account Finding the best community bank account isn’t easy. A Which? Connect survey of 15,000 people in October 2024 found that 30% of respondents who had managed a community bank account had lost access to a local branch, 20% had struggled to pay in cash, 10% reported rising fees, and 3% said the bank had closed the account. Many respondents also said making changes to a community bank account, including adding signatories, was difficult. Bill Hudson has been Treasurer of the CSPA South London Group for about a decade. The group has been with Lloyds for many years. “We never used to pay fees on our [group] bank account until the start of last year,” says Hudson. “Last year, our first full year paying fees, we paid £77 in bank fees, including a monthly fee of £4.25. Each time I pay in cash, they charge

75p per £100. If we pay cheques into the account, they charge 50p per cheque. “The £77 is a significant sum. I’m trying to take steps to lower that figure. The most obvious way is by not paying in cheques.” When The Pensioner contacted Lloyds, a spokesperson said: “We’re proud to support around one million business customers and are a leading provider of clubs and societies accounts in the UK. “Last year, we made some changes, which sees our community account customers able to use our app for day-today banking services, as well as 100 free e-transactions per month with access by multiple key account parties to help make managing finances easier. We continue to significantly discount our community account compared to our standard business current account.” Under Lloyds’ terms and conditions, clubs and societies with a turnover under £250,000 per annum are eligible for a Community Account, which has a monthly fee of £4.25. Lloyds’ standard Business Current Account levies a monthly £10 fee. Hudson says: “So many banks have charges, it’s difficult to escape the fees.”

Top rated community accounts Moneyfacts has given the following accounts a five-star rating. Charges for CHAPS, international payments and other services may apply on all accounts. good governance,” French says. “Many community accounts allow multiple signatories and dual approval for payments, which can cut fraud risks and stop any one person from having sole control over funds. They can also help organisations look more credible when applying for grants, collecting donations or managing membership subscriptions.” Moneyfacts gives five-star ratings to several community and charity bank accounts (see table). However, French cautions that choosing the wrong account can quickly turn practical low-cost banking into a financial headache. “While many are free, others charge monthly fees ranging from £2.50 to £45, but some ‘free’ accounts may come with higher transaction, deposit or chequehandling charges instead. “Branch closures are also creating practical challenges for groups that rely on cash fundraising and cheque deposits. It all means groups need to look beyond the monthly costs and compare the

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Account

Eligibility

Notes

Barclays Bank – Charity Impact Account

Registered charities; ‘excepted’ charities (no need to register or submit annual returns); federated associated charities; community interest companies (operate to benefit broader society)

Maximum annual turnover limit of £100,000. No maintenance or monthly account fees applied to the account.

Santander – Treasurer's Current Account

Not-for-profit organisations, clubs, societies and charities

Maximum annual turnover limit of £250,000. There is a £4.99 fee per month, but it is waived for charities.

Ulster Bank – Community Bank Account

Not-for-profit organisations, clubs, societies and charities

Two years of free banking on everyday transactions if annual turnover is less than £250,000.

Virgin Money – Charities Choice Account

Registered charities with an annual turnover of less than £1 million

No monthly fees or charges apply to cash or cheque deposits and withdrawals, direct debits or automated transactions if annual turnover does not exceed £1 million.

SOURCE: MONEYFACTS

Deputy General Secretary

A new chapter Jonathan Safir on changes at the top of government and the CSPA

t the CSPA and Westminster, a new era has begun. In July, we bid farewell to General Secretary Sally Tsoukaris after more than four years of dedicated service to the CSPA. Although I worked with Sally for only a short time, I greatly valued her professionalism, expertise and commitment to members. I thank her for her service and wish her a long, healthy and happy retirement. I warmly welcome Josie Irwin as our new General Secretary. I am confident she will build on the CSPA’s strong foundations and help guide the organisation through the opportunities and challenges ahead. The theme of change extends beyond our own organisation. Following Sir Keir Starmer’s resignation, Andy Burnham became Prime Minister, promising in his first speech a political and economic ‘circuit breaker’ tackling the cost of living, devolution and long-term national renewal. For our members, the question is simple: what could the changes mean in practice?

Cost of living focus

LAUREN HURLEY / NO 10 DOWNING STREET

The Prime Minister has described his administration as a ‘cost of living government’ focused on improving people’s day-to-day finances. Among the measures announced are a reduction in the national bus fare cap, the removal of VAT on domestic electricity bills from October, lower business rates for pubs and an accelerated timetable for the Casey Commission’s review of social care. For pensioners, lower energy bills could bring welcome relief after several years

of higher costs. Older households often spend a larger proportion of their income on heating and electricity, particularly those with health conditions or who spend more time at home. More affordable bus travel could benefit many, helping people remain independent and connected to their communities. Perhaps the most ambitious proposal is the accelerated focus on social care and the possible creation of a National

Experienced civil servants know that major reforms often bring uncertainty Care Service. Burnham has long argued that social care should receive attention comparable to the NHS, given that many people rely on both services. The Casey Commission is examining how to put adult social care on a more sustainable footing. Care home costs, support for unpaid carers, funding arrangements and access to services affect millions and are increasingly important as the population ages. However, there is reason for caution. Social care reform has challenged governments of all political colours; meaningful change will require significant investment, long-term planning and political consensus.

Impact on civil servants? Civil servants will be watching developments closely. One of the most significant institutional reforms announced by the new administration is the creation of ‘Number 10 North’ to support economic growth and strengthen the government’s devolution agenda. This reflects Burnham’s long-held belief that power remains too concentrated in London. The objective is to strengthen regional decision-making and support local economic development UK-wide. For civil servants, the changes could create opportunities. More policy

teams may be located outside London, collaboration with regional authorities could increase and there may be more emphasis on place-based policymaking. At the same time, experienced civil servants will recognise that major reforms often bring uncertainty. Much will depend on how these proposals develop.

The new Cabinet Cabinet appointments are often the clearest indication of a Prime Minister’s priorities. The appointment of John Healey as Chancellor suggests an attempt to balance fiscal discipline with a more interventionist approach to government. The aim appears to be easing pressure on household finances while maintaining economic credibility. Meanwhile, Louise Haigh’s role in driving Cabinet Office changes and Number 10 North underlines the importance being attached to government reform and regional growth. Ed Miliband becoming Foreign Secretary, alongside wider ministerial changes, also signals a desire to establish a distinctive political identity rather than continue the previous approach. Taken together, the themes for the new Cabinet are clear: regional development, public service reform, social care and reducing pressure on household budgets. Taxation remains an important issue for pensioners. Under the triple-lock, the full new state pension rose to £241.30 a week in April, increasing concerns that more pensioners could be drawn into income tax as personal allowances remain frozen. The triple-lock may also become a key political debate. While it has helped improve pensioner incomes and protect living standards, some commentators question whether it is affordable as pension costs rise. Supporters argue it is a vital safeguard against pensioner poverty and helps ensure older people share in rising living standards. At the same time, concerns are growing about future retirement income. An interim

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Deputy General Secretary

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Many members continue to follow the WASPI campaign. At present, there is no approved compensation scheme, no application process and no timetable for payments. The government’s January 2026 decision rejecting compensation remains, although campaigners continue to pursue legal remedies. Reports suggest Burnham may meet WASPI Chair Angela Madden, raising hopes among campaigners that discussions could continue. However, no formal compensation arrangements have been announced. For now, the position remains unchanged and the CSPA will watch developments closely.

stretched. Such failings continue to cause distress and hardship. The CSPA will continue to press for improvements and hold those responsible to account until members and their families receive the service they deserve.

For CSPA members, the immediate outlook is one of cautious stability Since the transfer of civil service pension scheme administration to Capita in December 2025, many pensioners and their families have experienced significant delays and uncertainty. While efforts have been made to improve performance, serious concerns remain. Particularly troubling are delays in bereavement cases, leaving families waiting for pension benefits at a time when financial certainty and support are

Cautious optimism It is still early days for the Burnham government and, as with any new administration, success will depend on delivery rather than promises. For CSPA members, the immediate outlook is one of cautious stability. The triple-lock looks to be in place until the end of this parliament, winter fuel payments appear unchanged, and the government has signalled a commitment to addressing concerns around taxation, energy costs and social care. As we also thank Sally for her service and welcome Josie into her new role, we can be confident that the principles that matter most to the CSPA remain unchanged: fairness, dignity in retirement, respect for public service and ensuring older people have a strong voice. The months ahead will provide a clearer picture of the government’s direction. For now, pensioners and civil servants alike will be watching closely as the government’s early promises begin to face the test of delivery.

HTTPS://CREATIVECOMMONS.ORG/LICENSES/BY-NC-ND/4.0/

SIMON DAWSON / NO 10 DOWNING STREET

report from the Pensions Commission warned that around 15 million people are not saving enough for retirement, potentially rising to 19 million without further action. The report highlighted the challenge of ensuring adequate retirement incomes for future generations. Many pensioners are concerned about taxation. As state pension payments increase while personal tax allowances remain frozen, more pensioners could be drawn into the income tax system despite relatively modest incomes. Reports suggest the government is considering ways to ensure those relying solely on the state pension do not pay income tax. However, for many civil service pensioners, the bigger issue remains fiscal drag, with frozen tax thresholds gradually increasing the proportion of their retirement income that is taxed. The winter fuel payment has been the subject of considerable debate in recent years. Eligible pensioners are expected to receive payments of £100 to £300 again this winter depending on age and circumstances. Those with incomes above £35,000 will effectively repay this through the tax system. At present, there is no indication that the new government intends to make further changes before winter. For many pensioners, that certainty alone will be welcome.

SIMON DAWSON / NO 10 DOWNING STREET

LAUREN HURLEY / NO 10 DOWNING STREET

FACING PAGE: Andy Burnham arrives at 10 Downing Street L-R: John Healey becomes Chancellor, Ed Miliband Foreign Secretary, Louise Haigh Minister for the Cabinet Office

Travel

ancy a grown-up gap year? Retirees are putting solo travel firmly on the map. One in five of Saga’s customers now holiday alone, with women leading the way. Retired teacher Sue Allen (pictured right) first travelled solo after divorcing in her early 30s. At the age of 67, her next trip will swap life in Derbyshire for three months in South East Asia. One of the many benefits of travelling alone, says Sue, is that it’s much easier to talk to people – and chance conversations have led to extraordinary experiences. “I was invited to a boxing match in Cuba after chatting to locals,” she says. “I once ended up staying in a convent in Sri Lanka after sharing an overnight train with a nun. In Bangladesh, I drank rice wine with a woman who wanted to show me her home. “People are curious. They’re open. Often all it takes is being brave enough to say, ‘Hi, can I join you?’ or ‘What book are you reading?’ One restaurant recommendation in Thailand – Cabbages and Condoms – even inspired a school project on safe sex that won a National Schools Award. Travel has a funny way of coming full circle.” Sue recommends getting out early to explore a new destination. “I often go for a run first thing,” she says. “It’s the best way to understand a place and see it waking up, with all its unique morning rituals.” For her upcoming adventure, Sue has opted for an organised trip with travel firm Decades. “For longer, more immersive travel now that I’m retired, I wanted something that offered independence but also community and support,” she says. “This gives me the freedom I value, without being on my own all the time. “When I hesitated because my dad is 93, [dad] said: ‘Just bloody go, Susan.’ So I’m going. For three months. I can’t wait.”

Specialist help Decades specialises in long-form, slow-travel gap years for retirees (visit www.thisisdecades.com). Founder Laura Cannon says: “Our trips are designed

Going it alone Linda Harrison celebrates the many benefits of travelling solo

for solo travellers in their 50s, 60s and 70s who want adventure without the clichés of traditional tours. Many of our pioneers choose Decades because they love travelling alone but don’t always want to be alone. They talk about the freedom of having their own rhythm, the joy of meeting like-minded people, and the confidence that comes from exploring the world with a small, curated group.” Alex English, who runs Reigate Luxury Travel (visit www.reigateluxurytravel.com), a private firm specialising in tailor-made trips, agrees. “Since the pandemic,

I’ve seen more of a ‘you only live once’ attitude. A lot of retired clients want to make the most of their freedom, break out of their routine, experience new cultures. “After years focused on career and family, travel shoots up the priority list. Going solo also means they can do exactly what they want, when they want, without having to compromise.” Alex is seeing more and more women choosing to travel solo – sometimes because they’re single, but often because they simply have different travel tastes to their partner, and are “happy to go

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Travel off and do their own thing”. Women-only tours, especially for long-haul and more adventurous destinations, are particularly popular. “These tend to attract women who love the idea of exploring somewhere a bit more off the beaten track but don’t necessarily want to do it entirely alone,” says Alex. “The mood is usually very relaxed and sociable. “For many of my retired female clients, women-only tours hit the sweet spot: they feel safe and supported, but still have the freedom to try new things and push themselves outside their comfort zone.” Cruises are particularly popular, especially smaller ships, which can feel more personal and make it easier to meet people. Small group tours are another

Often all it takes is being brave enough to say, ‘Hi, can I join you?’ favourite, as they provide companions to explore and have dinner with, but flexibility to follow your own interests. Alex’s advice is to start with what excites you. “If you love art, sport, wildlife, gardening, photography or astronomy, there will be a specialist trip built around it. When you choose a holiday that taps into your interests, you’re far more likely to meet like-minded people and feel comfortable, even if you’re on your own.” Tony McMullan, a retired trade union official of NIPSA (the Northern Ireland Public Service Alliance) and a member of the CSPA’s Executive Council (EC), is a huge fan of solo travel. As a young man, he travelled on his own to the USA, Australia and Japan, and he’s travelled alone to join bigger tour groups. He recently returned from a trip to BELOW L-R: Tony McMullan at the Taj Mahal; a Cambodian folk concert; and the Mahatma Ghandi memorial BELOW: George Jerjian in Japan; New Zealand; and Alberta, Canada

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Vietnam and Cambodia designed for single people. “What are you waiting for?” he says. “There’s a whole new world, new people, new food, new culture and new experiences waiting to welcome you. Just be positive, bite the bullet and you’ll have the time of your life – and, like me, you’ll wonder why you didn’t do it before. “I tell others I’m in the departure lounge of life but still far enough away from the departure gate, so I only like to visit countries I haven’t seen before!” Tony, the CSPA’s Northern Ireland Branch Secretary, EC representative and newsletter editor, suffered a spinal injury in 2014 that affected his mobility. He finds organised tours let you go exactly where you want but without having to suit others.

The path to unretiring Former financial adviser George Jerjian helps retirees “unretire” and is a big advocate for solo travel. George retired at 52 after being given six months to live. Thankfully, the diagnosis was wrong, and a decade later, he became a bestselling author and international speaker who helps retirees find a new beginning. At 69, he embarked on a Jules Verne-inspired travel adventure. “I’d always wanted to travel the world, but life got in the way,” he says. “I finally mustered the courage, ignored the inner dialogue that tried to stop me, and proceeded with a bespoke travel agent. “I selected five countries I’d not visited: South Africa, Australia, New Zealand, Japan and Canada. I left on 21 March 2024 and returned on 10 June 2025. I travelled with the intention of learning new things, keeping an open mind and experiencing the unfamiliar.” His journey included a safari, swimming with dolphins and visiting Hiroshima, the Great Barrier Reef and the Rocky Mountains. He later turned his journals into a book, Odyssey of an Elder: Around the World in Eighty Days. Asked whether travelling alone feels

Travel tips • Do your research but don’t overthink it. Try booking accommodation for the first few nights, then plan ahead. • Check local Facebook groups and social media for tips. • Travel light. Take a multicurrency debit card and have a credit card as back-up. • Start with an organised small group tour – you’ll meet people, and a guide will help you stay, and feel, safe. • Meet up with friends or family en route or join walking groups as part of your trip. • Be open-minded – talk to people and trust yourself.

lonely, George says: “I loved most of the holidays I had with my ex-wife and two daughters, but solitude was one thing that was missing for me. Holidaying alone means you only have yourself to please. “This is not about being selfish,” he adds. “It’s about nurturing oneself without guilt or blame. I can explore places I want, and take as much time as I want, without anyone else taking priority. And that’s a luxury I intend to enjoy.” Sue Allen concludes: “Loneliness can happen – I think it’s important to acknowledge that honestly. But I’ve realised that I’m just as likely to feel lonely at home as I am when I’m travelling. “Earlier on, I felt embarrassed about travelling alone, as if it was somehow sad. I laugh at that attitude now. I’m much more confident these days. I feel stronger, I feel more resilient and I feel at ease in my own company.”

Lifeboat Fund Charity

MARK BAIGENT / SHUTTERSTOCK.COM

Celebrating 25 years

Angela Saunders on helping the RNLI mark a quarter century of saving lives at sea

he Lifeboat Fund – a charity of the civil service – is excited to share news of its 2026 annual appeal. As ever, all money raised for the appeal will be committed to priority life-saving projects of its sole beneficiary, the Royal National Lifeboat Institution. This year is an important landmark for the RNLI. It’s the 25th anniversary of its lifeguard community, which has been saving lives and helping those in difficulty around the UK coastline for all that time. The RNLI’s latest operating strategy, which was adopted last year, has

provided a new focus on activity at and near the coast, where most of its rescues now take place. The Lifeboat Fund is keen to respond to this change in focus – and to mark the anniversary.

Vital transportation

corrosive coastal conditions where they patrol vast stretches of sand. The quad bikes are also used to set up the lifeguards’ yellow and red flag zones, and can rapidly deploy rescue watercraft such as jet skis and inshore rescue boats. The photo shows our Vice Chair, Department for Work and Pensions Director Matthew Briggs, beside one of these super, life-saving machines. We’re keen to help the RNLI extend its fleet of quad bikes, and our 2026 appeal will deliver a shiny new quad bike to the lifeguard teams at Sheerness, Scarborough, Swansea, Newquay and South Pembrokeshire beaches. We hope you’ll share our delight at being able to boost life-saving in this way.

A vital piece of equipment for the lifeguards is the vehicle guaranteed to get them to the scene of their rescue as quickly as possible. This is when the seconds really count. The transport that’s used extensively for lifeguard patrol and rescue is a red quad bike, the Honda TRX520, which is now considered an essential piece of kit, at a cost of £7,000 each. These bikes are reliable and powerful, so they’re well suited to the harsh,

Float to Live

ABOVE: RNLI lifeboats at Walton-onthe-Naze, Essex LEFT: Matthew Briggs with a Honda TRX520

Visiting the beach should be enjoyable, but it can suddenly become a hazardous activity for many people, every single year. Doubtless public servants are included in their number. That’s when they need

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Charity the help of the RNLI’s highly skilled and trained lifeguards. Since 2001, more than 333,000 incidents have received an RNLI lifeguard response, with 2,199 lives saved and more than 448,500 people helped. In light of tragic events, including in hot weather earlier this year, education and preventative activity to address drowning are another high priority of the RNLI. More than half of all UK drowning incidents now occur in inland waterways. This is why the RNLI’s Float to Live campaign is so crucial, and the charity has delivered online training for civil servants and their families again this year. Whether you land in cold water unexpectedly, or are overtaken at sea by a powerful rip tide, you should follow the five steps of Float to Live: 1. T ilt your head back (until your ears are submerged) 2. Relax (controlling your breathing) 3. Move your hands and legs (to help stay afloat) 4. D on’t be concerned if your legs sink (we all float differently) 5. Practise this (at a supervised location).

Anniversary time This is a busy year of anniversaries. The RNLI is also celebrating 25 years of its work on the River Thames. We are keen to help them raise awareness of this, as not everyone knows that Tower (at Victoria Embankment) and Chiswick are the RNLI’s two busiest UK lifeboat stations. Since 2025, The Lifeboat Fund has

The £80,000 raised in our 2025 appeal has been crucial to our projects donated significant funding for major refurbishments at RNLI Tower, the second of which completed last year. At The Lifeboat Fund’s Annual General Meeting in May, delegates heard about the RNLI’s Impact Report, stating our recent achievements. Most importantly, our lifeboats in the RNLI fleet saved a total of eight lives in 2025. The £80,000 raised in our 2025 appeal has also been crucial – additional to our valuable help with large rebuilding projects

DONATION FORM

at RNLI Kirkcudbright and RNLI Dart (mentioned in our article in The Pensioner, Winter 2025). The RNLI has expressed its sincere thanks to all Lifeboat Fund supporters. I hope that readers of The Pensioner will feel extremely proud of all their contributions to so many critical projects and life-saving activity. If any branches of the CSPA wish to respond to the 2026 appeal by holding a local event or collection, the Civil Service Lifeboat Fund would be extremely grateful for your help. Individuals who want to support The Lifeboat Fund’s 2026 appeal can donate by bank transfer to: The Lifeboat Fund, HSBC, account: 40-25-06 10232491, or via www.thelifeboatfund.org.uk, or simply complete the form below. Many thanks!

• Angela Saunders is a Scottish government Lifeboat Fund trustee and Trustee and UK UK director Directorof of fundraising Fundraising

Registered charity numbers: 248421 (E&W) and SC041904 (Scotland) Patron: HRH The Duke of Kent

Please return the completed form to: The Civil Service Lifeboat Fund, c/o Department for Work and Pensions, Digital Group’s Chief Operating Office, 2 St Peter’s Square, Manchester, M2 3AA. If you would like more information about the charity, please ask; we will be delighted to hear from you. I would like to give £35

£20

£10

Other £ ............................................. to The Lifeboat Fund

Please make cheques payable to “The Lifeboat Fund” Name ....................................................................................................................................................................................................................................................... Address .................................................................................................................................................................................................................................................... ..................................................................................................................................................................................................................................................................... Postcode ................................................................................

Phone ........................................................................................................................................

E-mail ...................................................................................................................................................................................................................................................... If you qualify to use Gift Aid, you can make your donation worth more: for every pound you give us, we get an extra 25 pence from HM Revenue & Customs (HMRC). You can do this provided you pay an amount of income tax and/or capital gains tax in each tax year at least equal to the tax that the charity will claim from HMRC on your Gift Aided donation. Just tick here: It’s that simple. Your help is greatly appreciated by The Lifeboat Fund, and by the RNLI volunteers whose brave work we support through our fundraising!

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In Parliament

In Politics ENGLAND by Jenny Sims

Laughter broke out in the Commons when a backbench MP called out: “He’s not the Messiah!” as Andy Burnham, newly elected Labour MP for Makerfield, signed in and took his seat. Just 10 days later, Burnham became Prime Minister. No-one was expecting miracles, but from day one he has acted fast to set out how the new government will go forward on many issues, including reforming adult social care in England as a priority. Burnham hasn’t said how it will be paid for, but he claims money will be saved in the NHS if a better social care system enables faster hospital discharges. Only eight days after becoming PM, he announced adult social care reform plans, warning that the NHS would not survive without them. Three commitments have been agreed: • Publication of Baroness Casey’s report into longstanding problems in the social care system in England, originally due in 2028, is to be brought forward a year. • Cross-party talks on tackling adult social care and creating a national plan are to be held with the leaders of the Conservatives and Liberal Democrats. • A comprehensive workforce plan for adult social care is to be drawn up, to address chronic recruitment and retention problems. Burnham was clear that reform of the sector depended on improving the

status, pay and career prospects of care workers. Reforms will include clearer career pathways and training, enabling care workers to develop professionally and progress within the sector. There will also be closer integration between the NHS and social care workforces, including the ability for staff to move between social care and NHS roles more easily.

Burnham believes a better social care system will save money in the NHS The reforms will help build a National Care Service, which will be founded on principles similar to those of the NHS. The PM took questions after the announcements, similar to those posed in an interview with Laura Kuenssberg on the BBC’s Panorama two nights earlier: how were the social care reforms to be paid for, and when would the changes happen? “I will go as quickly as I can,” said Burnham – without being specific. Then and ever since, he has repeatedly said he will stick to the fiscal rules, and honour the commitments made in the Labour Party’s manifesto. Age Concern has claimed that four in five adults will need care during their lives. In the UK, 83% of adult care home beds are in the private sector. One in seven people aged over 65 face lifetime care costs of more than £100,000. Research by the Health Foundation has

Andy Burnham is sworn in as an MP, 22 June

estimated that an NHS-style care system could cost £18.7 billion a year by 2035. Various options for funding social care were recommended in the Dilnot report published in 2011 by the Commission on Funding of Care and Support chaired by Sir Andrew Dilnot. These included: • A lifetime cap on individuals' eligible social care costs, with a suggested cap of £35,000 (within a proposed range of £25,000–£50,000) • Raising the upper means-testing threshold for state support from £23,250 to £100,000 • Expanding access to deferred payment schemes so people would not have to sell their homes during their lifetime to pay for residential care. The report was highly influential and formed the basis for many later proposals on adult social care funding in England, including provisions in the Care Act 2014, although several of its major funding reforms – particularly the cap on care costs – were delayed multiple times and never fully implemented as originally envisaged. Criticising previous governments for delaying action on the Dilnot recommendations, the PM admitted: “Difficult decisions will have to be made.” However, the process should now be easier, with cross-party talks agreed, the Casey Commission being brought forward, and a personal commitment from the Prime Minister to take action on reforms during this parliament.

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In Politics WALES

By Martin Shipton The Older People’s Commissioner for Wales has launched a learning course designed to empower participants to recognise and challenge ageism – still seen by many as acceptable. The interactive course, developed with the Open University (OU) in Wales, draws on a wide range of evidence and older people’s experiences to help participants understand the scale and impact of ageism, on individuals and wider society. The course covers key areas where ageism and age discrimination are common, including access to services, employment and recruitment, and within the media and advertising. As well as developing knowledge and understanding – including about key legislation such as the Equality Act, designed to protect people against discrimination – the course offers practical information about how to take action against ageism. It also offers links to other helpful resources and organisations that can provide information and support. While the course is primarily targeted at staff working across the public sector in Wales, it can be accessed for free by anyone who wants to learn more about tackling ageism and age discrimination. Older People’s Commissioner Rhian Bowen-Davies said: “Ageism remains one

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of the most persistent and overlooked forms of discrimination within society, impacting on the ways that older people are viewed, treated and valued. “Ageism means growing older is often viewed only in negative terms, presented as something to be feared and associated with decline and dependence. This reinforces ageist attitudes and discrimination, limiting the opportunities available to us as we grow older, and creating barriers to living and ageing well. “So I’m delighted to be launching this learning course to help provide participants with the practical information they need to recognise ageism and feel empowered to call it out or challenge it. This is a crucial part of making ageism unacceptable and bringing it to an end.” The module has been developed following the delivery of face-to-face and online ageism learning sessions by the Commissioner’s team, attended by staff from a wide range of public bodies and organisations across Wales. Feedback from the events was very positive, prompting the Commissioner to explore how learning opportunities like these could be rolled out more widely to benefit even more individuals.

"Ageism means growing older is often viewed only in negative terms"

The OU’s OpenLearn platform proved to be ideal to support this aim, enabling the Commissioner to make the training available for free and reach out to a much wider audience. Collaborating with the OpenLearn team, using their expertise and experience to prepare the content for use on an online platform rather than a face-to-face setting, also helped to bring the module to life by including lived experiences and case studies, interactive sections and video content from organisations working across the world to fight ageism. Dr Scott McKenzie, Assistant Director for Learning, Skills and Innovation at the OU in Wales, said: “The OU has a growing partnership with Wales’s public services and through OpenLearn, we’ve worked with a range of organisations, including councils, colleges and statutory bodies. "This new, free course reflects our core mission of opening up opportunities for all. A person’s background, including their age, shouldn’t stop them from reaching their potential.” One of the organisations that supported the Commissioner by testing the course during its final development stages was Dysgu, the national professional learning and leadership body for maintained schools and settings in Wales. Dysgu Chief Executive Dr Gwenllian Lansdown Davies said: “As a new public body in Wales, we want all our work to prioritise creating equitable and inclusive learning environments, where everyone feels respected and valued. "This collaboration by two trusted organisations empowers participants with useful legal context and practical ideas about what we can all do to tackle ageism and age discrimination.” The Commissioner has shared the course with key public bodies and organisations across Wales so it can be rolled out to their teams. It is also exploring opportunities for the course to be included within standard internal training programmes. She added: “Ageism underpins many of the issues faced by older people, and at its heart – ultimately – is unfairness and injustice, both of which do not sit comfortably with us here in Wales. “That’s why it’s crucial that ageism and the damage it causes are recognised and that we all play our part by standing up and speaking out against it, something my learning module will help to support.”

In Politics SCOTLAND

By Christine McGiveron Waiting lists continue to fall in Scotland, with new outpatient waits of over a year decreasing for 11 consecutive months and inpatient and day-case waits reducing for 15 months in a row. Latest Public Health Scotland statistics show that at 30 April 2026, new outpatient waits of more than a year have fallen by 7% compared with March 2026. These have reduced every month since July 2025, with total waits over 52 weeks down by 76.5%. The data also shows that long waits for inpatient and day-case procedures have fallen every month since July 2025, with 52-week waits down by 47.4% in that time. In addition, the Scottish government announced on 26 May that a pledge to create 150,000 extra appointments and procedures had been surpassed. Latest data shows 168,177 additional appointments and procedures were carried out in the financial year to March 2026 compared with the previous year. New figures also show that in the first nine months of 2025/26, 34,089 procedures were carried out in National Treatment Centres, surpassing the commitment to increase planned activity to more than 30,000. Health Secretary Angela Constance said: “These new figures show our plan is delivering for the people of Scotland. We are seeing sustained decreases in waits of more than a year, with 11 consecutive months of progress in new outpatient waits and inpatient and daycase procedures reducing for 15 months in a row. We have now seen significant decreases in waits over a year in these time periods. “We know there is more to do, and I am determined to continue to build on this substantial improvement and ensure people receive the treatment they need as soon as possible.” In June, Constance again welcomed a sustained rise in activity, figures showing the number of operations carried out in the 12 months to April 2026 increased by 7.3% on the same period the year before. Statistics from Public Health Scotland show 281,115 operations were performed during the past 12 months, while 770 operations were carried out per day – up from 718 for the year ending April 2025. “We have delivered on our pledge and

surpassed our target already this year," she said. "Our NHS is turning a corner and we are determined to build on this progress, ensuring people are receiving the treatment they need as soon as possible." A new GP walk-in service has opened in Aberdeen city centre for anyone to attend, no appointment necessary. The service will be open on a phased basis initially, run by GPs, advanced nurse practitioners and nurses, offering same-day care and treatment for minor illnesses. The Aberdeen site will be the seventh to open in Scotland this year, in addition to Edinburgh, Dundee, Western Isles, Stranraer, Lerwick and Hawick. Constance said: “We know accessing GP services on the day when you need urgent care can be a source of frustration. That is why we have opened GP-led walk-in services to address the 8am rush and relieve pressure on GP surgeries – freeing up capacity to focus on complex and long-term care. “We value the key role and expertise GPs have to play in people’s care. We are increasing investment in general practice by £531 million over three years to significantly boost recruitment from this year, helping to deliver the capacity needed to improve services for patients. A process to identify 14 more sites, to a total of 30, is under way.” Also in Scotland, the MyCare.scot app

"Our NHS is turning a corner, we are determined to build on this progress"

can now be downloaded onto smartphones, giving people direct access to their health information on their phone. The first version of the free app will allow people to view their medications and allergies, check their vaccination history and use the National Service Finder to find local health and wellbeing services. It follows the successful launch of a web-based service that began in NHS Lanarkshire in December 2025 and rolled out nationally in April. The app will continue to develop through to 2030, to enable users to check appointments, provide information about themselves and receive digital letters through MyCare.scot. It promises to be a comprehensive health and care app integrating health and social care services into one space. Long-term delivery of MyCare.scot will also support the government’s ambitions to deliver a new NHS national booking system with this parliamentary term. COSLA Health Care spokesperson Paul Kelly said: “The launch of MyCare.scot is a significant step forward in our shared ambition with the Scottish government to improve outcomes across health, social work and social care. “Crucially, this is just the beginning. Work is already ongoing to expand MyCare.scot into social work and social care, advancing our vision of truly integrated, personcentred services. "This will give people across Scotland greater choice and control over their care, helping to build a more sustainable system fit for the digital age.”

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In Politics NORTHERN IRELAND By Tony McMullan

For years, CSPA NI, working individually or with like-minded organisations, has campaigned for Northern Ireland to bring in legislation that will expressly protect older people from being discriminated against in terms of goods, facilities and services, as it exists in England, Scotland, Wales and the Republic of Ireland. Previous attempts in the NI Assembly have failed, with organisations such as the Children’s Law Centre and the NI Commissioner for Young People claiming that it would be discriminatory to exclude younger people from the Bill. Claire Sugden, independent MLA and former Justice Minister, has taken note – her Private Member’s Bill on age discrimination will include older and younger people. While people are protected against age discrimination in the workplace, no such protections exist in healthcare, insurance, housing, retail and leisure. While Northern Ireland has the most regulated antidiscrimination legislation in Great Britain on issues such as gender, political opinion, race, disability and sexual orientation, age discrimination is still not protected. In England, Scotland and Wales, protection is covered by the 2010 Equality Act; in the Republic of Ireland it is covered by the Equal Status Act. For her Private Member’s Bill, Sugden undertook extensive public consultation before the Bill was brought to the House, from 24 March to 20 June 2025. There were 68 responses from a wide range of organisations, including public bodies, district councils, the Equality Commission, Commissioner for Older People, Children and Young People’s Commissioner, Law Society, trade unions, NGOs, charities, NOC NI, Children’s Law Centre, Women’s Policy Group, political parties, private sector employers and individuals. There was also extensive consultation with the Executive Office. There was overwhelming support for the Bill to become legislation. Some argued it was “essential and long overdue”, others that it was urgently needed to close the gap in the law. The NI Children’s Commissioner and the Children’s Law Centre warned that to exclude young people from the Bill would in itself be potentially discriminatory. The Commissioner for Older People urged

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Claire Sugden

people to grasp the opportunity as it could position Northern Ireland as a leader in age equality. The Law Society endorsed the Bill. Only one respondent of 68 directly opposed the Bill, while 94% supported the legislation in principle, 75% supported extending legislation to cover all age groups and 81% called for any exemptions to be narrowly defined. Following the consultation, Sugden agreed to extend the age protection to all age groups, and that the Bill would reflect international legal standards such as the European Convention on Human Rights,

The Bill passed the first stage to becoming law in the Assembly on 30 June the United Nations Convention on the Rights of the Child and the United Nations Principles for Older People. It was also agreed that the Bill would be affordable and proportionate, with its benefits outweighing any short-term costs. Finally, it was agreed that if the Bill became legislation, a major public education campaign would be needed. The Bill passed the first stage to becoming law in the Northern Ireland Assembly on 30 June, the last day before Summer Recess. In September, when the Northern Ireland Assembly returns, the Bill will immediately be sent for stage two to the relevant scrutiny committee. While campaigners are delighted that the first stage of securing legislation has been passed, they are conscious that there is still some road to cover. The

current Northern Ireland Assembly will be dissolved in April 2027 ahead of fresh Assembly elections in May 2027. In other developments, Commissioner for Older People for Northern Ireland (COPNI) Siobhan Casey has published evidence to the Justice Department’s Scrutiny Committee setting out why age should be included as a protected characteristic in the new sentencing Bill. She had previously shared her disappointment that age had not been included in the draft Bill, especially as this had been recommended in the 2020 review of Northern Ireland’s hate crime laws by Judge Marrinan. Without this change, crimes against older people are often treated as issues of vulnerability, which fails to fully recognise that some offences are driven by hostility or prejudice towards people because of their age. It also means that Northern Ireland risks falling behind places such as Scotland, where age is already recognised in hate crime laws. Casey has also launched a major new report examining the experiences of older people renting privately in Northern Ireland. The report highlights how many older renters are facing a combination of rising housing costs, insecure tenancies and homes that often don’t meet their needs. With around 17,600 people aged 65 and over currently renting privately, and that number expected to grow significantly, the report warns that what is currently a hidden issue could become a major societal challenge. The research found that older renters often find unique difficulties, including rising rents that outpace pension incomes, barriers to adapting homes for health and mobility needs, higher levels of fuel poverty and the constant worry of having to leave their homes at short notice. The report makes a number of recommendations aimed at improving security, affordability and accessibility for older renters, including stronger protections against eviction, action to tackle age discrimination in housing and improved energy efficiency standards in rented properties. Casey commented: “Older private renters face a unique and deeply concerning set of challenges. They are navigating an increasingly expensive housing market at a stage of life when stability is most important.”

Pensions

Sorry seems to be the hardest word Pensions Manager David Luxton takes stock of recent developments in the Capita pensions administration scandal

apita Chief Executive Adolfo Hernandez and other senior executives appeared before MPs in July to give evidence to a joint session of the Public Accounts Committee (PAC) and Public and Constitutional Affairs Committee (PACAC) about Capita’s administration of the civil service pensions scheme. He apologised “to all the members who have been receiving a very poor service at a very difficult and challenging time in their lives”. He apologised not once but five times. Yet despite five apologies from Capita chiefs, by the end of July thousands of pensioners and bereaved widows were still waiting for payments, eight months after Capita took over the running of the pension scheme. It might as well have been the Kaiser Chiefs giving evidence – at least they accurately predicted a riot! In response to the repeated apologies, PACAC Chair Sir Simon Hoare MP, visibly irritated, said: “Let us park the apology… It is not a substitute for clear answers to specific questions, which I would like to turn to in forensic detail.” Sorry seems to be the hardest word for Capita to say to the thousands of individuals who have suffered more than six months without any retirement income.

Or to the 4,500 widows of bereaved civil service pensioners who have suffered months of distress and financial hardship due to their widow’s pensions not being paid, and no indication of when they will be paid. And all this despite Capita acknowledging that they had all the necessary information to pay the pensions. The CSPA has been helping many affected members. We have briefed the PAC on the experiences of members and met PAC officers prior to the July hearing, highlighting our delayed payment cases.

Widows’ experiences One widow has been waiting for her pension since October 2025. Miriam Cartwright, whose husband John had given many years’ service to the British Council before his retirement in 1996, sadly passed away in October 2025 aged 90. Miriam applied for her widow’s pension in November 2025, and her original documentation was returned to her by Capita in December – so clearly it had been received and processed. Yet by late July she had still not received any pension payment, but instead was sent forms on four separate occasions to apply for her widow’s pension – with no explanation or communication from anyone in Capita.

Capita’s failure to communicate with individual scheme members, and to provide meaningful or consistent updates to those telephoning – other than “your case has been escalated” – has been a source of frustration for the many members contacting CSPA HQ for help. Another widow I spoke to was Pauline Irvine, whose husband Daniel, who had worked at the National Savings Bank, passed away in March aged 79. Despite Pauline’s repeated calls to Capita, and having to send the required documents twice by recorded delivery, she has been left with no income for over four months and is having to borrow from friends to survive. She told me it had “stripped her of her dignity”, adding: “It’s hard enough to grieve without this additional strain for me and my family.” The CSPA has taken up both cases highlighted here, and many others, with the Cabinet Office, which remains the responsible authority for the civil service pension scheme. Our representations have led to successful resolution for some members after months of delay and incorrect payments. In July, following our representations on behalf of Jeanette Maclean, whose case was highlighted in the media, Jeanette

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said: “I can’t praise the CSPA highly enough for all the support I have received. “The level and quality of communication have been excellent and it is so reassuring to know you are there fighting for all the civil service pensioners affected by the continuing failures in the delivery of the pension scheme since Capita became involved. It really is so impressive how the CSPA has handled this whole situation.”

Delayed retirement plans As well as the backlog of delayed pension payments and widow/er payments is a backlog of 22,000 requests for pension quotes, forcing thousands of individuals to either postpone retirement or go for months with no income. At the end of July more than 9,000 were still outstanding. Deborah Williams, for example, has put off her retirement from the MOD three times since January, due to the continuing delay in delivering pension quotes.

The Cabinet Office’s deadline of all outstanding payments and pension quotes being completed by the end of June was not met by Capita. The revised deadline is now the end of September for all outstanding payments and pension quotes and a return to ‘business as usual’. In early July, the then Cabinet Office Minister announced to Parliament that Capita was required to produce a ‘rectification plan’ by 17 July. This is being evaluated by remediation adviser Grant Thornton, which will make recommendations on the plan in September prior to a further Parliamentary announcement by new Paymaster General Louise Haigh in October. In addition, the Cabinet Office has set up a quality assurance function within the Cabinet Office to provide a forensic review of a small sample of cases each month to check on quality and adherence to process.

All of this is welcome news in holding Capita to account for delivering a contract that it had two years to prepare for but has clearly failed to meet. The enormous stress to thousands of scheme members should have been avoidable; saying sorry does not help deliver the outstanding payments and quotes. We have been holding weekly meetings with the Cabinet Office to review the ongoing problems and to highlight the lived experiences of so many of our members. At our CSPA AGM in October there will be a debate on the policy of outsourcing the administration of the civil service pension scheme. In the meantime, our immediate priority is to resolve the outstanding cases for our members and to ensure that the service is restored to normal standards of delivery, as we have for our members in Northern Ireland.

• The Parliamentary PAC/PACAC evidence session can be viewed online using this link: https://www.parliamentlive.tv/Event/Index/f3d3fc71-5f7e-4178-a06d-139ec0fe17f6

Connect

What Manchesterism will mean for you Can Andy Burnham’s success in the North be replicated nationwide, asks Matthew Boyd

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VIVID BRANDS / SHUTTERSTOCK.COM

new Prime Minister usually brings a new language to government. In Andy Burnham’s case, one word has followed him to Downing Street: Manchesterism. The term describes the approach Burnham developed as Mayor of Greater Manchester. It places greater emphasis on local decision-making, public control of essential services and closer co-operation between councils, transport bodies and health services. So can that model can be applied nationally and what will it mean for older people? There are early grounds for reassurance. Days before entering Downing Street, Burnham reiterated a commitment to the triple-lock on the state pension for at least this Parliament, as in Labour’s manifesto. That matters. The triple-lock remains an important safeguard against pensioner incomes falling behind wages or the cost of living. After a period in which older people have faced higher household bills, frozen tax thresholds and uncertainty over support such as the winter fuel payment, maintaining it provides some stability. But questions remain. Burnham has reappointed Torsten Bell as Pensions Minister, despite Bell repeatedly expressing scepticism about the long-term future of the triple-lock. His return does not signal a change in policy, but it means older people and organisations will need to watch the government’s approach to pensions. For Later Life Ambitions, the test will be whether government decisions match commitments. Much of Manchesterism aligns with priorities in LLA’s Budget for Later Life. Greater Manchester’s Bee Network, for example, has brought buses under greater local control and removed time restrictions on concessionary travel for older and disabled passengers. And a more integrated system could make a big difference to independence in later life. But the Manchester model cannot be copied everywhere. Local areas have different populations, funding pressures

Bee Network buses in Manchester

and transport networks. Any national expansion will need adequate resources and clear accountability. Social care may prove a tougher test. Burnham has begun cross-party talks on reform, saying the issue can no longer be postponed. He is expected to accelerate Baroness Casey’s review, whose final recommendations had been due in 2028 but are now expected in summer 2027. This is welcome. For too long, families have had to navigate a system that is difficult to understand, inconsistently funded and often poorly connected to the NHS. Many older people face uncertainty over how much they will have to pay and whether care will be available for them.

Underlying problems Manchesterism suggests councils, health services and community care working more closely. That could help older people get support in their own homes. But integration alone will not resolve the underlying problems. Decisions must still be made on funding, eligibility, workforce capacity and the balance between national standards and local delivery. There is also the question of who provides public services. Burnham has used Capita’s much criticised

administration of the civil service pension scheme as an example of the risks associated with outsourcing. For CSPA members, this isn’t an abstract debate about public versus private. It’s about income that people have earned over a lifetime in service, which they need to depend upon in retirement. The Cabinet Office is reviewing the future administration of the scheme, including whether it should come back in-house. Whatever decision is taken, restoring an acceptable service remains the priority. The arrival of a new Prime Minister and an overhauled Cabinet is an opportunity to reset the government’s relationship with older people. LLA has already written to ministers to set out its priorities and offer constructive engagement. That will continue, but so will scrutiny. Manchesterism may offer useful ideas, but its success will be judged by whether pensions remain secure, social care fairer, transport more accessible and services better for those who rely on them.

• Matthew Boyd is a Senior Account Executive at the CSPA’s public affairs consultancy, Connect.

Branch and group news

In Your Area GREATER LONDON REGION London calling Two meetings are being held, aimed at members in postcodes not allocated to an active group, to chat about the CSPA, hear about active groups and socialise. Although I refer to former groups close to each venue, the meetings are open to any national member in the wider area: • Wednesday 21 October, 11am, The Good Yarn, 132 High Street, Uxbridge UB8 1JX. Uxbridge Underground station is almost opposite. This would be of interest to members of the closing Hillingdon Group and former Watford Group. • Wednesday 28 October, 11am, The Furze Wren, Bexleyheath. This pub appears to have two addresses for effectively the same site, so I describe it as being at the junction of Market Place and Mayplace Road West, close to the Broadway shopping centre in Bexleyheath town centre. This would be of particular interest to members of the former Bexley Group.

Grand Union Canal, Uxbridge

Twickenham & District We meet at 11.30am (please note slight change of time) on the second Friday of selected months, in the Arthur Burrell Room of Twickenham Library, Garfield Road, TW1 3JT. Garfield Road is a turning off York Street between Arragon Road and London Road. It is served by bus routes 33, 290, 490, H22, R68 and R70 and the station is a short distance away – turn left when you exit. There is disabled access to the building

and a lift to the room. Toilets are on the ground floor. There is a £2 admission fee, which includes a light buffet and tea or coffee, and we usually have a visiting speaker. All CSPA members are invited, whether group members or not. The remaining meetings this year are on 11 September and 11 December. Secretary: Mr R Monk, 40 Park House Gardens, Twickenham TW1 2DE Tel: 020 8288 1910 Email mrbobmonk@yahoo.co.uk

have expressed their desire to retire from the committee or at least drop half their roles. We do have a new Treasurer, and we are happy that we have her. Meetings are quarterly in Bedford and include a quiz, buffet and raffle for which members provide the prizes. They are held in a working men’s club, so members can have a beer or wine as well as the tea and coffee provided. Former Peterborough Secretary Frances tries to attend and is happy to care for three dogs in her ‘dogmobile’ – email franuneric@sky.com. On a more sombre note, since Peterborough & District closed, we have

lost former Membership Secretary Drusilla in May 2025 and ex-Chairman Phil in May 2026. We send condolences to their families and a big thank you for their work. Our next lunch meeting will be held on 11 September at noon at the North End Club, Roff Avenue, Bedford. Editor/Secretary: Romy Neeves Email: raneeves@gmail.com Tel: 07484 741116

EASTERN Bedford & District, inc Cambridge and Huntingdon and Peterborough & District As you can see from the title, Bedford & District includes a massive area of what is called the East of England or East Anglia, and we extend to some Home Counties. Given the size of the group, it is frustrating that we cannot get more volunteers to join the committee in an active role. Our Chair is also the Membership Secretary, and our Secretary the newsletter editor. We have no secondtier members who would be enabled to act in emergencies and thus enable contingency planning. Both the major roles

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Branch and group news

MIDLANDS Leicestershire & Rutland We meet quarterly at the Royal British Legion Club, 4a Wigston Road, Oadby, Leicester LE2 5QA, 1.30pm for a 2pm start. At our AGM on Wednesday 15 April we welcomed CSPA Deputy General Secretary Jonathan Safir as our guest speaker. He covered many of the issues currently affecting pensioners and several of the campaigns in which the CSPA is involved. The local committee was re-elected unopposed for a further year. We met again on Wednesday 15 July to discuss who will attend the national AGM in October to represent the group. We were saddened to hear of the death of long-term committee member Margaret Bagur in June. Margaret was awarded a Certificate of Merit in 2025 for her service to Leicestershire & Rutland Group. But due to her ill health, we were never able to formally present it to her. Margaret will be sadly missed at our group meetings. Despite there being 276 CSPA members in Leicestershire & Rutland, few are

We are a relaxed and friendly group and will be very pleased to see you

attending group meetings beyond our committee. If there is anything we can do to make it easier for members to attend, we’re keen to hear – a change of venue or meeting time, perhaps, or even content? New members, or long-serving members who have never been before for whatever reason, are always welcome at meetings. We are a relaxed and friendly group and will be very pleased to see you. We published newsletter 47 this summer, with a further newsletter scheduled for autumn. If you live in the Leicestershire & Rutland area but are not receiving our newsletters, please contact me using the details below so that I can check your contact preferences recorded. Please also get in touch with me if you would like to be added to my mailing list for group circulars and other local CSPA news. The next meeting is scheduled for Wednesday 21 October, when we will be able to provide feedback from the national AGM taking place two weeks earlier. If you’d like more information about our group and meetings, please get in touch using the contact details below. Secretary: Kevin Billson Tel: 07827 320 413 Email: kevinbillson@ntlworld.co.uk

SOUTH WEST Group changes From May, another group in our area, Plymouth & District, could not continue operating due to a lack of active members. Despite valiant efforts over several months by long-term Secretary Geoff Ferguson to continue as a separate group, it was decided at the May meeting to merge with the nearby Devon Central Group. In view of this merger, the extended group will be renamed the Devon Central & District Group, covering all of Devon and Dorset postcodes DT6 to DT8. The only other South West group now active is the Bristol, Bath & West Group to the north. The only remaining part of the South West not contained within either the Devon or Bristol groups is the area of Cornwall known as West Cornwall Group, which has been dormant for more than 10 years. Prior to my moving from Truro in Cornwall to Bovey Tracey in Devon, I was for years both the Treasurer and Delegate

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Clifton Suspension Bridge, Bristol

within the group. So I would be delighted for the group to re-open as Cornwall Group, provided there are sufficient interested members to set it up and run it. There are around 200 members living in Cornwall, so if individuals are interested in this idea, please feel free to contact me. Should any other areas in the whole of the South West consider re-opening as a group, I extend the same invitation to please contact me. Regional Representative: Les Calder Email: landmcalder@btinternet.com Tel: 01626 830266

Bournemouth

WESSEX Bournemouth & District From October 2026 we shall be meeting in the afternoons instead of the mornings and on a different day – 1.30pm to 3.30pm on the third Wednesday of the month. We have done this so that anyone from west Dorset no longer represented by the Weymouth Group can join us without having to get up at an unearthly hour and head back before it gets too dark in winter. If you are interested in any talks and choose to join us, you will be made very welcome. A full list of speakers will be in the next newsletter, which you should receive early September by post or email. Please get in touch if you don’t receive it. We continue to meet in the lounge of St Mark’s Church, Bournemouth, which is a pleasant modern venue with a number of excellent facilities, including free parking, good disabled access and toilets. This autumn, we have talks on cybercrime protection, phishing and bank fraud, and Castleman’s Corkscrew – how a junior solicitor from a sleepy Dorset town ended up running the London & South Western Railway. Secretary: Liz Malin, Harvest Cottage, North Street, Winterborne Kingston, Blandford Forum, Dorset DT11 9AZ Tel: 01929 472441 Mob: 07534 438717 Email: lizmalin1@gmail.com

We meet in a pleasant modern venue with excellent facilities

Branch and group news

NORTH WEST Wirral At our 9 June meeting, members appointed Bill Steadman as Treasurer following the stepping down of Tommy Murphy after 10 years in the post. Lively discussion included the motion we aim to put forward for conference in October on the rising costs of energy for pensioners. Twelve members enjoyed a great boat trip on 15 June (see full report below). It was particularly enjoyable thanks to the sunshine and the company of other group members from Chester and Liverpool. We plan to issue the next group newsletter shortly and to use the members section of the CPSA website to keep members up to date with group activities. Our next meeting will be at 10am on Tuesday 8 September at Upton Victory Hall, Salacre Lane, Upton, Wirral CH49 0TL, when we will be discussing the CSPA AGM agenda. The remaining quarterly meeting of 2026 is Tuesday 8 December followed by our Christmas lunch. Details of this and future social events will be posted soon. Greater Manchester Our next meeting will be on Wednesday 30 September, when the group will consider the motions to be discussed at the AGM

We have a social lunch in Stockport every three months – everyone welcome

North West Boat Trip Liverpool Group organised a successful boat trip on Monday 15 June for all North West members.

in October. All members of the Greater Manchester Group are very welcome. Meetings take place at the Methodist Hall, Oldham Street, Manchester, from 11am to 1pm. There will be a meeting on Wednesday 7 October to receive a report from our conference delegate, John Jenkinson, then the Christmas lunch will be held on Wednesday 16 December. If you are interested, please contact me, but full details should be in the next newsletter. We have a social lunch in Stockport every three months. The next two are on Thursday 2 September and Thursday 10 December at 12.30pm. Everyone from the Greater Manchester Group is welcome. Unfortunately, our previous venue, The Old Rectory, has closed. The meal in June was at the Midway Tavern, 263 New Bridge Lane, Stockport SK1 2NX. We organised a two-hour boat trip along the River Dee in June (see report below) and are considering making it an annual event. Why not join us next year? We have submitted one motion for conference – on the number of pensioners living in hostels and sub-standard rented accommodation, and are calling for the EC to help improve the number and standard of housing for pensioners.

Christmas lunch – all members welcome; and Monday 4 January. Our meetings are held at Lime Street Central, Lime Street, from 1pm. We enjoyed the two-hour boat trip along the River Dee in June (see report below) and are considering making this an annual event. We are sending delegate Sue Munro to the Annual General Meeting with three motions covering: • Equality in the state pension for those who retired before and after 2016 • Improving public transport, especially as some pensioners may lose their licence if compulsory eye tests come into law • Calling for an increased personal tax allowance for pensioners. A full report of the AGM will be available on the website and in print form for those who request it later in the year. Regional Representative: Harry Brett Email: h_brett@sky.com Tel: 07999 874864 Liverpool Cathedral

Liverpool & District The next three meetings will be: Monday 28 September, when we will discuss and mandate our delegates to October’s AGM; Monday 7 December, which will be the

The photograph below shows some of the Wirral Group standing in front of the boat, named the Lady Diane. More than 30 people paid £20 for the two-hour trip along the River Dee from 12 noon. The cost included tea and coffee, with members bringing their own picnics. We were joined by members from Chester, Liverpool, Manchester and the Wirral, so we had enough interest to hire our own boat. We even picked up two tourists at the

waterfront who we invited to join us. It was a lovely day, and we received a full and interesting commentary from Chester through to Ironbridge. It was also a good opportunity just to have a natter and meet new and old friends. It has been suggested that we do this as an annual event, and this will certainly be considered next June if there is sufficient interest. The photographs also show the inside of the Lady Diane. As we were on a private charter, it allowed for all our members to be accommodated on the top deck, giving everyone a good view of the river as we sailed.

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Branch and group news

SCOTLAND BRANCH Our new Chair, Alistair Marquis MBE, writes: I joined the CSPA when I retired from HM Inspectorate of Education in 2011. I had been the Inspectorate’s union representative on the National Executive Committee of the FDA for many years. Recently, I thought I should take a more active interest in all the CSPA does for its members. At the branch AGM last April, I was appointed Scotland Branch Chair. Since then, it has been a whirlwind introduction to the branch and Executive Council. The possibility of the CSPA becoming an incorporated company limited by guarantee is proving time-consuming. I am determined to ensure we maintain our branch’s autonomy in the CSPA. I look forward to continuing to work as part of the branch team and the EC. Membership issues Meetings are in the Maldron Hotel, 50 Renfrew Street, Glasgow G2 3BW. For those unable to attend in person, a virtual option is available via Teams – contact Michael Kirby (details below). Meetings for the rest of the year will be on the first Thursday of September and November starting at 1.30pm. If you have any membership matters to update, such as change of address, please contact Michael Kirby. Branch newsletters have helped keep members informed of matters of interest, especially those in remote areas or who have no internet access. Word of mouth is one of the best ways of recruiting members, so if you know anyone who would like to join, please contact Michael Kirby to see if they are eligible. If any members reading this know of anyone not receiving communications from the CSPA, please ask them to contact head office on 020 8688 8418. And please check out the branch website at www.cspascotland.org.uk. Membership Secretary: Michael Kirby Email: Michael.Kirby@cspa.co.uk Tel: 07969 405263

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NORTHERN IRELAND BRANCH The AGM took place in the beautiful surroundings of the Presbyterian Assembly Building in Belfast. There was one change to the branch committee: longstanding committee member and President Alastair Hunter stood down. He was replaced as a committee member by former Branch Secretary and President Ivan Baxter, who returned after a few years’ break. Stan Blayney took over as President. Some 35 members attended and listened to excellent speeches from CSPA Deputy General Secretary Jonathan Safir and former Justice Minister Claire Sugden. Following a special branch meeting on 14 April, at which the CSPA’s General Secretary, General President and Legal Adviser were present, the branch carefully considered all the options regarding whether the CSPA should become a company limited by guarantee or a charitable incorporated organisation. As long as the branch can maintain its longstanding autonomous status in the CSPA, we’ve agreed to support the plan. We are pleased to say the new CSPA NI website is receiving a very positive response. We are committed to keeping it regularly updated with news and views. Check it out at www.cspa-ni.co.uk. Our secretary wrote an opinion piece for Civil Service World magazine. The article set out the excellent service provided to Northern Ireland civil service pensioners by the in-house pension administration, compared with the disastrous service provided to UK civil servants by huge private sector company Capita. Regular readers of The Pensioner will have read about the horror stories when prospective pensioners have not received their pension quotes or pensioners have received neither their lump sum nor their pension on their due dates. CSPA NI has met with representatives from a range of political parties to update them on this. The branch has nominated Les Priestly and Roisin Lilley for CSPA national Chair and Vice Chair, and Harry Baird as AGM delegate. It has submitted three motions to the AGM on: the Capita pension administration chaos; tax thresholds; and subsidised wifi for pensioners.

Our 2027 AGM will return to the Presbyterian Assembly Building, Belfast, on 7 April

Older Persons Parliament The NI Assembly will host an Older Persons Parliament (OPP) in the Assembly Chamber, Parliament Building on Thursday 15 October. Our branch Secretary has been asked to serve on the planning committee organising the event. We have put on our website the OPP survey issued to the general public asking them to highlight the main issues affecting older people that they would like the OPP to debate.

CSPA NI AGM 2027 Fresh from the success of the 2026 AGM (pictured), the committee has begun planning for the 2027 AGM. We will return to the Presbyterian Assembly Building, Fisherwick Place, Belfast, on Wednesday 7 April. Mark the date in your diary. New CSPA General Secretary Josie Irwin has confirmed her acceptance to the invitation to be a keynote guest speaker. The annual meeting between representatives from CSPA NI and senior management of Civil Service Pensions Branch (CSP) took place at CSP head office in Orchard House, Derry/ Londonderry on 2 June. Among the items discussed were a McCloud judgement update, civil service pension increases, pensions administration, an operations update and an update on policy and legislation. If you or any of your family members or friends would like a CSPA NI/ Specsavers discount voucher then read on… Since the scheme started, a total of 392 vouchers have been issued, saving CSPA members and their associates £7,840. If you would like a £20 voucher – which can be used to buy any pair of Specsavers glasses in the £99 and above range – simply send your name, or those of your friends and family members, to: tony.mcmullan@outlook.com.

Legal advice

Dynamic pricing Bernard Seymour shines a light on this often controversial practice

here has been quite a lot of comment in the news about dynamic pricing – when prices are adjusted rapidly and frequently in response to demand. New technology such as artificial intelligence (AI) has enabled the practice to become increasingly prevalent. Most of us will have experienced dynamic pricing if we have tried, for example, to order an Uber taxi, book a hotel room or search for flights. In June 2025, the Competition and Markets Authority (CMA) launched a project to better understand how and when dynamic pricing is used across the economy. Its findings supported the use of dynamic pricing in business. But it recognised that dynamic pricing can lead to poorer outcomes for the consumer in certain circumstances: • Consumers are unaware that dynamic pricing is being used or how it may

ven in an emergency, E be informed, and ask for an estimate

Contact Affinity Resolutions Affinity Resolutions offers a helpline/signposting service on legal matters, which is free to members. The helpline is operational during normal business hours.

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affect prices, so cannot make informed decisions. • Consumers feel pressured to make quick decisions because prices may rise suddenly. • Dynamic pricing is used to obtain or maintain market control, which results in higher prices.

Business guidance While consumer law does not generally prohibit dynamic pricing, businesses are required to provide consumers with all the material information they need to make informed transactional decisions. The CMA has issued guidance to businesses, including the need to publish several pieces of information: • A statement that prices can change and are not static • An explanation of what makes prices change – for example, if prices go up the closer to a booking date that the purchase is made • The range of prices – minimum and maximum amounts. Dynamic pricing can affect any of us

To access the service, the member first needs to register online at www.affinityresolutions.co.uk/join/ We are aware that a number of members do not have internet access, and in those situations we will always help without registration. The link takes members to the joining

at any time. Last winter, my neighbour’s boiler broke. My neighbour had insurance cover so contacted his insurer. The repair was passed to a third party, who passed it to a heating and plumbing engineer. The repair failed. Further attendances by engineers diagnosed different faults. Each time, the engineer attended, the cost of the repair and parts escalated and eventually exceeded the limit on the insurance cover. After researching comparable prices on the internet, my neighbour discovered that prices had been inflated; the cost of parts and repair should have been much less. My neighbour’s experience highlights a number of important issues: 1. The inflated prices were a result of dynamic pricing. In this case, a cold snap, an emergency and a boiler that needed urgent repair all contributed to a dynamic pricing strategy. 2. Even in an emergency, be informed. Ask for an estimate and request a breakdown of parts, labour and VAT. Contact at least one other company (preferably two) for a comparable quote. Do not be afraid to challenge the cost, even if this is being covered by your insurer, as you are likely to have a limit on your cover. 3. My neighbour’s repair was urgent, but if you can manage to wait, you may be able to bring down the costs and avoid dynamic pricing. This is a cautionary tale and perhaps a nudge to all of us to have our boilers serviced in the warmer months, when demand is low, and to check our insurance cover if we have it.

page and to our FAQs. If a member needs further advice, we work with a number of organisations who can provide this. Helpline tel: 03300 55 25 30 or email: hello@affinityresolutions.co.uk

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GET IN TOUCH

Email editor@cspa.co.uk or write to us at CSPA head office, 160 Falcon Road London SW11 2LN editor@cspa.co.uk

… inviting letters, comments or contributions, which may be edited to fit the space available

PENSIONS IN CONTEXT My attention was drawn to the ‘Pensions minefield’ letter in the Summer Pensioner – a topic raised several times during my CSPA membership since 2008. I refer critics of the system to a letter in August 2015 citing the Cabinet Office booklet PCSPS – Your benefits explained. Under the heading “Paying for your benefits, members’ contributions”, it reads: “Your pension, together with

I refer critics to the booklet PCSPS – Your benefits explained

your pay, forms part of your total remuneration package. Although there is no overt contribution to the PCSPS, salaries are set at levels which take into account the benefits provided by the scheme.” I interpret this to mean what all public servants know – public sector salaries and wages are set at rates below equivalent employment in the private sector, but do include guaranteed pensions. I carry the above quote in my wallet in case any conversation should turn to our “noncontributory” pension scheme. Graham Anderson, CPS solicitor 1986-2008

THANKS FOR THE TECH HELP I would like to say a big thank you to the BC Technologies helpdesk, who have once again solved my issue with Google Chrome. I always find them very patient and ready to help. J Matharu, Southall

CAPITA CONUNDRUM I was pleased to see Joan Parry’s comment on Capita in the Summer issue. I was beginning to think I was the only person to remember Capita’s previous disastrous performance. This led to the setting up of MyCSP, a body I always found to be efficient. I let out an incredulous groan when I read that Capita was to be employed yet again. I have two questions: who suggested this, and why did the CSPA not oppose it? Roger Morsley-Smith, London The General Secretary replies: The CSPA has regular meetings with the Cabinet Office and, as a recognised stakeholder, was given opportunities to comment across the procurement process, which

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| The Pensioner

commenced in 2018 and eventually led to Capita’s appointment as the scheme administrator in November 2023. A National Audit Office report in February 2016 highlighted the problems during the transition from Capita to MyCSP in 2014, and the CSPA has made representations in this regard ever since. Yet despite our reservations over the appointment of Capita and the management of the transition, we were repeatedly advised by the Cabinet Office that there would be a “seamless transition” this time, with no repetition of previous issues. The CSPA nevertheless continued to

The CSPA raised concerns about service over the two-year transition period

MAKING CARE WORK A plan for social care has been on the agenda for over 25 years, with a Royal Commission, a report by Sir Andrew Dilnot, and several prime ministers promising action. With Baroness Casey undertaking yet another review, we now have a government suggesting all-party action, notwithstanding cost and difficult decisions of funding. The subject will figure in many political discussions and of course be raised again at the CSPA AGM. If not for the sake of this generation of pensioners, we owe to those in future our full EC support and all possible pressure on politicians to produce a workable solution that is fair to everyone at the point of need. Let’s not miss the opportunity for comprehensive action. Derek Williams, Crawley

raise concerns about deteriorating service levels across the two-year transition period (on MyCSP’s watch) and to voice members’ misgivings about Capita’s reputation and its performance in administering the civil service and various other public sector pension schemes. These representations were made in person and more formally in written submissions to the Cabinet Office, the Chair of the Civil Service Pension Board, the National Audit Office and the Public Accounts Committee. However, despite all our input, Capita’s appointment went ahead at the end of last year. We continue to work with both the Cabinet Office and Capita to improve the service and resolve CSPA members’ pension-related issues.

Membership

Your member benefits Here are some of our most popular benefits – find out more in the members’ area of the website at members.cspa.co.uk

Our pensioner case worker can help if members have problems with their civil service or related occupational pensions. How to claim: email enquiries@cspa.co.uk with a brief outline of your query and your membership ID

• Free initial consultation on wills, trusts and powers of attorney

Consultation for 30 minutes maximum, membership number must be provided. England and Wales: Lyons Davidson Solicitors, 01752 300 584 quoting CSPA Northern Ireland: McCartan, Turkington & Breen, 02890 329801 Scotland: Thompsons Solicitors, email advicecentre@thompsons-scotland.co.uk or call 0800 801 299

Solicitor Harvey Howell is offering members a free private consultation by phone or video. View the Harvey Howell video podcast by logging on to the CSPA website and members’ area. How to claim In England and Wales: email cspa@ harveyhowell.co.uk or call 0330 175 9959 quoting CSPA In Scotland: email advicecentre@ thompsons-scotland.co.uk or call 0800 801 299 In Northern Ireland: email marie-anne.mcveigh@ mtb-law.co.uk or call her at McCartan, Turkington & Breen on 02890 329801

• Discounted conveyancing

• Financial services you can trust

Gordon Brown Law Firm offers discounts in England and Wales. How to claim: email sales@gblf.co.uk or call 0191 389 5160 In Scotland: Thompsons Solicitors, email advicecentre@thompsons-scotland.co.uk or call 0800 801 299

Free initial consultation with an expert from Quilter Financial Advisers to find out how you can benefit from financial advice. How to claim: Members can book their free, no-obligation initial consultation by calling 08000 858590 quoting CSPA or find out more on our website www.quilter.com/cspa

• Free initial legal advice

• Pet insurance CSIS, in association with ManyPets, is offering a range of lifetime vet fees cover from £3,000 to £20,000 – one of the UK’s highest. For more details, visit https://csis.co.uk/additional-insuranceproducts/pet-insurance

Free help and support on personal computer problems. How to claim: call BC Technologies on 01369 706656 quoting CSPA

• Designed specifically for members

This annual travel insurance plan from the Civil Service insurance Society (contact details below) offers a European or worldwide option for an individual, couple or family. You must be medically fit to travel, UK resident and a CSPA member (and remain so for the life of the policy) aged between 50 and 79 at the time of joining (thereafter no upper age limit will apply) and comply with the eligibility criteria.

CSIS offers a 10% discount to members taking out a home insurance policy over the phone and 10% off car insurance for

Fred. Olsen Cruise Lines offers up to £200pp free on-board spend. Call 0800 0355 108 quoting CSPA26A or visit fredolsencruises. com/affinity/cspa

• Wendy Wu Tours Tours and cruises cover Asia and the Far East, with a 5% discount on all trips and up to 10% off Mekong River cruises. Visit www.wendywutours.co.uk or call 0800 035 5091 quoting CSPA5

• APT CSPA members get a discount of 10% on APT and Travelmarvel cruises and tours departing in 2026 and 2027, when booked by 31 December. Visit www. aptouring.com/en-gb/discover/ cspa-and-apt or call 0800 012 6683 quoting CSPA10

• Lovat Parks Lovat Parks operates across UK beauty spots. Book at www.lovatparks.com. For a 10% discount call 0333 200 1010 quoting PRCSPA10UN for a static holiday home or PRCSPA10PL for camping and touring breaks

• IT help and support

TRAVEL INSURANCE FROM CSIS

• Home and motor insurance*

TRAVEL

• Help and support with your pension

• Fred. Olsen

those in England, Wales and Scotland. • For all insurance offers visit: csis.co.uk/partners/cspa or call 01622 766960 (option 5 for a dedicated line)

SAVINGS HUB

• For great deals on shopping discounts, motoring, travel, lifestyle and discounts on the high street, visit our Savings Hub via members.cspa.co.uk/discounts/

FIND OUT MORE

• Have a listen to our podcasts with guest speakers from CSIS and Harvey Howell by visiting cspa.co.uk/listen

* Only available when calling CSIS for a quotation. Discount only applies when cover is offered with provider Salvation Army General Insurance Corporation.

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| The Pensioner

Member benefits

Helpdesk Are we becoming too reliant on technology, asks Finlay Anderson Today, technology is everywhere. From the moment we wake up to check our phones to the way we communicate, shop and even think, digital tools have become deeply embedded in our everyday lives. While technology such as social media and artificial intelligence (AI) has brought countless benefits, there is a growing concern that we are becoming too reliant on it. This dependence can affect not only how we gather information, but also how we think for ourselves. Social media platforms like Facebook, Instagram and TikTok have transformed how we connect with others and consume information. News, opinions and trends can spread across the world in seconds. While this instant connection is impressive, it also means many people depend on social media as their primary source of information. Rather than reading full articles or exploring multiple viewpoints, users often rely on short posts, headlines or videos. This can lead to a shallow understanding of important topics. In some cases, misinformation spreads easily because people do not take time to verify what they see. Social media can shape opinions quickly – but not always accurately.

comparing different viewpoints and taking time to understand a topic fully. This helps ensure that the information you rely on is accurate and balanced. Doing your own research strengthens skills such as critical thinking, problemsolving and decision-making. Instead of passively accepting information, you actively engage with it. This improves your understanding and builds confidence in your ability to form your own opinions.

Finding a balance This is not to say that technology is bad. Social media and AI can be very useful if used correctly, providing quick access to information, helping us stay connected and making everyday tasks more efficient. The key is to use these tools as a starting point rather than a final answer. AI can help you begin researching a topic, but it should not replace reading

AI systems are not perfect – they can make mistakes or misunderstand context

Free computer support

To contact BC Technologies for free advice and support, telephone 0330 800 1010, 9am to 5pm Monday to Friday, or email cspa@bc-group.co.uk at any time. Please quote ‘CSPA’.

books, articles or trusted sources. Social media can introduce you to new ideas, but it is important to question what you see.

Conclusion Technology has undoubtedly improved many aspects of modern life, but our increasing reliance on it raises questions. Social media and AI make information easier to access, yet they can also encourage passive learning and reduce independent thinking. By taking time to research and question the information we encounter, we can ensure technology remains a helpful tool rather than something we depend on.

Influence of AI AI is another powerful tool that is rapidly changing the way we work and learn. It can answer questions, summarise information and even write essays in seconds. For students and professionals alike, this can save time and make tasks much easier. However, this convenience comes with a risk. If people rely too heavily on AI to generate answers, they may stop thinking critically about the information they receive. AI systems are not perfect – they can make mistakes, misunderstand context or provide incomplete answers. If users accept everything at face value, they may be misled without even realising it. Because of these risks, it is more important than ever to do your own research – looking at multiple sources,

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| The Pensioner

EC election

All-member ballot: have your say This year marks a significant milestone for the CSPA as we hold our first all-member ballot, following approval of a two-year trial at the 2025 AGM. The posts of Executive Council (EC) Chair and Vice Chair have been elected unopposed and no ballot will take place for these positions. You will find the election statements for these posts on page 42. The successful candidates will be announced at the start of the CSPA AGM on 7 October, in accordance with the agenda, subject to verification by the Standing Orders Committee and the Chief Scrutineer. However, an all-member ballot will be held for the five national EC member positions, with the results also announced at the start of the AGM. Election statements for the seven candidates standing for the five EC member positions follow on these pages. Elections for the Regional Representative posts and the Standing Orders Committee will continue to take place at the AGM. This year, these posts are unopposed. The election statements for the candidates will appear in the AGM booklet.

Voting Members can either vote online – visit https://www.mi-vote. com/secure/cspa – or by returning the Freepost ballot paper. Instructions for both methods of voting are included with the ballot material. The ballot for the five national EC member positions will be open from 4 September to 25 September. Under Rule 7(e)(ii), two of these five positions are reserved for women. Members are able to vote for up to five candidates. The five candidates receiving the highest number of votes will be elected, provided that at least two women are among those five. If this is not the case, the two highest placed women candidates will be elected in accordance with the rule. Your vote matters For members who have internet access, online voting is the quickest and easiest way to vote. To receive voting information and links promptly, please ensure that the CSPA holds your current email address. We encourage all members to take part in this important ballot and help shape the future direction of the CSPA by choosing who will represent them on the EC. Every vote counts, and the stronger the participation, the stronger the voice of the membership. • For further details of voting in the EC ballot, please visit: https://www.mi-vote.com/secure/cspa

SONNY ALI I was born in Coventry and my working career was spent as a VAT Compliance Auditor with HM Customs & Excise. After a long career, I retired 14 years ago. I have two wonderful children, a boy and a girl, and six beautiful grandchildren. My hobbies include walking and sport, mainly football – I have managed and coached junior and senior teams, and as a qualified referee I have officiated at many fixtures. In 2001, I was appointed as a magistrate to the Coventry Bench. My professional background includes chairing a large member association. I have also served as an elected member of Benenden Healthcare on the conference facilitation panel. And I have held voluntary roles within the local authority and other

standalone groups. In recognition of my voluntary work, I was awarded the Queen’s Diamond Jubilee Volunteering Award 2012 and the Queen’s Award for Voluntary Service. I have substantial experience of working in a team and, when necessary, on a personal performance basis. I have strong communication skills and work well with others. I am also a qualified counsellor with experience of dealing with difficult issues. If successful with my application, I can promise the CSPA and its members that I would bring integrity, strong ethics and honesty. I would maintain the values and principles and good name of the CSPA. I have the experience and commitment to be an asset to the organisation.

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| The Pensioner

EC election

MIKE BUCKLEY In 2024, members elected me to serve on the CSPA’s national Executive Council. I again seek your support for re-election. Retiring after 48 years’ service, including many as an active trade union member, the natural progression was to engage in the CSPA. I chair the vibrant Sheffield Lincoln & District Group. My determination to see the CSPA continue to develop remains strong. Our campaigning activity is vital: we will always need to defend the civil service pension. This is not just a slogan. With the dreadful problems around our pensions administration, CSPA membership is proving absolutely vital to so many people who are experiencing unconscionable problems with their pension payments. Without introducing party politics, I was able to put my Sheffield contacts to good use in linking the CSPA with the Deputy Chair of the Commons Public Accounts Committee. This has added real impact to our work. As well as our campaigning work in defence of our pension, we must continue to develop our recruitment and organisation of members. Too many

groups struggle. We need to find effective ways of supporting them. Whilst this is vital, my passion for and contribution to the leadership and direction of the CSPA is undimmed. The new opportunity is improving the lot of civil service and state pensioners under the Labour government. We must beware the siren voices that are offering simplistic solutions to complex issues. So, I hope to continue supporting the CSPA’s excellent management and to contribute to the effective governance provided by the NEC. With so many issues demanding attention, we must be careful to focus our limited resources where they can be of most benefit to CSPA members’ interests. The most significant is probably to establish a Commissioner for Older People – an ideal issue on which to campaign with our many partners. Getting real progress on effective reform of social care is key too. But priority number one must remain tackling the current pensions chaos. I hope these notes help secure your continuing support. Happy to respond to questions at jmwbuckley@hotmail.com. Thank you.

CHARLIE COCHRANE I seek your support for re-election to the Executive Council. I retired, aged 60, in 2010, as Secretary of the CCSU, having worked for the civil service trade union movement since 1979. I was the lead negotiator for the trade union side in all the significant pension developments for the PCSPS. I remain keenly interested in pensions generally and am the Chair of Trustees of an occupational pension scheme. I believe my experience in my many and varied roles over 50-plus years gives me the skills and competences to make a positive and measured contribution to the work of the CSPA. The price of defending your pensions is eternal vigilance. This can only be done effectively by a collective approach through the CSPA. Of course, it is not just the value of your pensions we must defend; we also need to ensure that the processes by which they are paid, and by whom they are paid, are efficient, effective and fair. Whatever else the CSPA does, its work on civil

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| The Pensioner

service pensions must be its absolute priority, as it is with the current Capita crisis. This is the reason we exist and why our members join us and will continue to join us long into the future. I am now the longest serving elected member of the EC. I would like to think that I have made a positive and collegiate contribution to its work, not just on pensions but also on the many other campaigns we support, and which are of concern to retired civil servants. My particular focus is to be a critical friend to the senior officers and staff, on finance and administration. We must ensure that we are in good order to meet the many challenges facing us. One of these challenges is how we can effectively meet the expectations of our diverse membership, whether they are active participants in groups and branches or not. As such, I have been a strong advocate of the introduction of the all-member elections that begin this year.

EC election

PAM FLYNN I have been an elected member of the national Executive Council for two years and am seeking election for a third year. I joined the CSPA in 2010 and have been an active group member since joining. I am currently elected Chair of the North West Pensioners’ Association and Secretary of the Greater Manchester Group of the CSPA. Prior to election as Secretary in 2023, I served as the group’s Chair for about a decade. I am 76 years old and civil partnered with Lydia Meryll. Growing up working class in industrial South Wales, I was raised a socialist and the habit has never left me. I try to bring good humour and friendship into changing the world for the better. I work for social and political change, peace and climate justice. I have a range of experience supporting lesbian and

bisexual asylum-seeking women. More recently, I have worked as a volunteer with the LGBT Foundation in Manchester to develop thinking around end of life and dementia. I am active within Greater Manchester on the older people’s policy agenda around social care, housing and climate change. With a group of friends, I am seeking to develop a cohousing project in South Manchester – MUCH (Manchester Urban Cohousing). Recently, we have placed this project on pause for a year. I believe that intentional community living is not given enough attention by housing policymakers and developers. I also like to walk, keep flexible, grow vegetables, cook and eat good food, watch birds and sing.

LINDA RIDGERS-WAITE The current problems are headed by the civil service pension fiasco due to the transfer to Capita. As in the past, this organisation is good on selling itself and poor on delivery. Once the current and ex-civil servants are receiving what they need in terms of money and quote, a full investigation on what went wrong is vital. I am proud of the way the CSPA reacted to protect and support so many on an individual and collective basis. In terms of other policies, I am interested in end-oflife care and how our caring systems should work in tandem with the NHS. Transport is a current worry in so many places and access is vital for so many of us (this includes access to non-digital information). As a civil servant, I was an Inspector of Taxes and had 16 years in HR. This included high-level tax investigations, HR troubleshooting, heading welfare, technical HR teams and introducing various contracts

into HMRC. As a trade unionist, I was an elected national officer, negotiating for members at national and regional levels, both collectively and for individual members in trouble. I was involved in union mergers and the wider trade union movement. I became a member of the CSPA Executive Council in March 2020 – just as we went into lockdown for the first time. I have been an active member – for example, leading one of the CSPA projects in 2022/23. I have also been Deputy President and then President for three interesting AGMs. On a personal note, I am a volunteer steward, a guide and Day Chaplain at Southwark Cathedral. I am resuming my degree studies, which means giving up running the college library. I enjoy the UK cultural life. I am proud to be a member and involved in CSPA work to protect and advance the needs of civil service pensioners – and all UK pensioners.

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| The Pensioner

EC election

STUART TARR Having stood unsuccessfully for election to the Executive Council last year, I am grateful for the nomination once more and have decided to try again this year. As Chair of the Bristol, Bath & West Group, representing 1,750 members, I have been prompted to push for a review of CSPA organisation, processes, procedures and member engagement against a background of falling membership, the closure of local groups and declining membership revenues. This trend has to be reversed if the CSPA is to continue as an effective campaigning organisation in representing the needs of members to government to protect pensions and access to vital public services, including health and social care. As we all know, the CSPA as an unincorporated organisation with unlimited liability is currently considering the process of incorporating as a company limited by guarantee and led by a board of directors and a chief executive officer. It is intended that very little will change in terms of how we operate at the outset – the functions and titles of the EC and General Secretary are likely to be retained with ‘company limited by guarantee’

consigned to a footnote to preserve the name and logo of the CSPA intact. So, we could leave it at that – nothing has really changed – or we could explore as part of the journey towards incorporation whether this very different model of working will open up new opportunities to streamline our processes. Perhaps we could recruit one or two pro bono non-executive directors with commercial experience to reduce our running costs, explore income generation possibilities and increase membership recruitment, retention and participation. The latter would build on renewed interest in the CSPA from new members who have suffered hardship delays in lump sum and monthly pension payments following the transfer of civil service pensions administration from MyCSP to Capita. Finally, on a personal note, I began my civil service career as a clerical assistant in 1965 before retiring in 2011 as a senior executive officer/acting principal leading on economic development for the Government Office for the South West in Bristol. I am married with two grown-up children.

RICHARD WEST I have been a member of the CSPA since taking early retirement in 1996. Throughout my working life I have always been a member of the appropriate trade union, so on retirement I naturally became a member of the CSPA. I was Norfolk Group delegate to CSPA AGM from 2008 for 14 years and have been Chair of the group since 2012 (now the Norfolk & Suffolk Group). I have enjoyed being a member of the EC for the past four years. In addition to the general activity, for the past two years I have been a member of the Campaigns Committee and currently also serve on a Working Party looking at the pros and cons of the CSPA becoming incorporated as a company limited by guarantee. I joined the Inland Revenue in 1960 as a shorthand typist, but then trained as a computer programmer, which led to a career in information technology. I am

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a member of the British Computer Society. In addition to my work for the civil service, for 16 years I was a member of the Rail Passengers’ Council and was then appointed as a member of the Disabled Persons Transport Advisory Committee for three years. I have been a Trustee-Director of the UK Association for Accessible Formats (UKAAF) since its inauguration in 2009, and served as Chair for six years. UKAAF seeks to improve the social inclusion of print-disabled people by developing guidelines and minimum standards for producing information in formats accessible to people who cannot read standard print. I am also a member of the board of the Norwich Credit Union. If re-elected to the EC I will seek to play an active part in furthering the aims of the CSPA and pursuing matters raised by members.

EC election The following statements – for EC Chair and Vice Chair respectively – are unopposed, so no ballot will be required.

LES PRIESTLEY Elected as a CSPA national Executive Council member 14 years ago, I served as Chair of the EC from 2024. I have found that role both challenging and rewarding. My career was spent as an Inspector of Taxes in the Inland Revenue/HMRC. For 30 years of my working life, I combined official duties in a department with trade union work, serving on executives of the Inland Revenue Staff Federation, PTC and PCS unions until 2010, when I stood down on taking partial retirement. I served for eight years as National Vice/Deputy President of PTC and PCS and President of the Revenue Group. My duties involved direct negotiations with government ministers and senior civil servants. My service as a trustee of two pension schemes included 10 years as Chair of a trustee board. I retired

as a member of the Employment Tribunal Service in 2024 after 21 years’ service. I have used these work experiences as part of my CSPA work, particularly my knowledge of pension legislation, tax, employment and organisational issues. The CSPA was founded to protect the occupational and state pension rights of our members. That aim remains our priority, as witnessed by the advice and support offered since late 2025 by our staff and voluntary activists to hundreds of members affected by the current problems/shambles in our pension administration as operated by Capita. I believe that I have the experience and commitment to continue in the role of Chair and respectfully ask for your vote. Please feel free to contact me on lmp229@me.com

ROISIN LILLEY I have the honour of being the current CSPA Vice Chair for the past two and a half years. During this time, I have established good working relationships with our Chair, the rest of the EC, our headquarters staff and many of our activists. I started working in Northern Ireland’s civil service in the early 1980s as a scientist. I experienced firsthand sectarianism and sexual harassment. This only strengthened my resolve to fight for a better working environment and more equal treatment for all. I joined NIPSA, the largest Northern Irish public sector trade union and quickly became seconded to it for 11 years. During this time, I successfully represented many members and negotiated with management side on a variety of issues. I was elected as Chair for NIPSA’s Civil Service Executive Committee and in this capacity, I chaired our regular EC meetings and annual and special conferences.

While holding this position I gained the wide respect of the union’s competing factions for my ability to demonstrate impartiality and leadership, bringing the best from executive members and providing regular support for the paid officials. I joined the CSPA on retirement and was quickly elected to the Northern Ireland Branch Committee. I have been the Northern Ireland Membership Secretary and Treasurer for more than five years. These are challenging and busy roles as we have no office or staff in Northern Ireland. The CSPA’s main focus is ‘Protecting what you’ve earned’ and we have certainly lived up to it this year, with the whole Capita debacle. Members and nonmembers alike were able to see first hand exactly how effective the CSPA is, and I want to thank all our HQ staff, our EC and all our activists for their work in this regard. This is why we exist and why we need to continue recruiting new members.

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| The Pensioner

Puzzles

SUDOKU

WIN

£50 of M&S vouchers

PER PUZZLE

Closing date: 30 October 2026. The judge’s decision is final. The winner will be notified by phone and announced in the next issue. If you don’t want your name published please let us know. Complete the sudoku and send with your contact details to: Prize Competition, CSPA, 160 Falcon Road, London SW11 2LN. You can enter the prize draw for both the sudoku and the crossword (overleaf) if you wish. The winner of last issue’s sudoku is Heather Tomlinson, Northampton

Name

Last issue’s solution

Address

Postcode

Phone

E-mail

The CSPA may wish to send you membership-related information by email in the future. If you are happy to hear from us for this purpose, please tick this box: You can change your mind at any time. We will not pass on your data to third parties. To view our privacy policy visit: https://www.cspa.co.uk/privacy-policy/

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| The Pensioner

Puzzles

CROSSWORD

Across 1

Symbol of Lebanon (5)

The Hind and the ___: John Dryden poem (7)

Longest river in Europe (5)

Mary ___: silent film actress (8)

Scottish landowner (5)

11 Tea, in Cockney rhyming slang (5,3) 15 Christian’s adversary in The Pilgrim’s Progress (8) 17 Egyptian city on the site of ancient Thebes (5) 19 Odin’s horse in Norse mythology (8) 20 Brightest star in Orion (5) 21 Earl of ___: title of Pitt the Elder (7) 22 Mary ___: English goalkeeper (5)

Down

Closing date: 30 October 2026. The judge’s decision is final. The winner will be notified by phone and announced in the next issue. If you don’t want your name published please let us know. Complete the crossword and send with your contact details to: Prize Competition, CSPA, 160 Falcon Road, London SW11 2LN. You can enter the prize draw for both the sudoku (previous page) and the crossword if you wish. The winner of last issue’s crossword is Isabel Cameron, London

Dense growth of shrubs and trees (in the southwestern US) (9)

Area administered by a bishop (7)

Stamford ___: founder of Singapore (7)

Charles Sanders ___ : US philosopher (6)

___ Cup: badminton championship (6)

Mountain in the Bernese Alps (5)

10 Lead singer of the Supremes (5,4) 12 The ___: round park next to the White House (7) 13 Country whose capital is Naypyidaw (7) 14 Benjamin ___ : Oxford scholar and Platonist (6) 16 Sugar-transporting tissue in plants (6) 18

___ Heep: English rock band (5)

Name

Address

Last issue’s solution

Postcode

Phone

E-mail The CSPA may wish to send you membership-related information by email in the future. If you are happy to hear from us for this purpose, please tick this box: You can change your mind at any time. We will not pass on your data to third parties. To view our privacy policy visit: https://www.cspa.co.uk/privacy-policy/

AW UITNUTMEN R ISSUE 2026 3

| The Pensioner

Last word

Something else that annoys me… Chris Proctor mourns the demise of some pointless jobs and says - bring them back!

can’t see why we want to get rid of jobs just because they are unnecessary. They’re good things, jobs. My lady, a tennis fan, was enraged when she discovered there are no longer linespeople at Wimbledon. I enjoyed seeing those figures at the end of the court, bent double like they were having hernia problems and staring like myopic chickens. They were part of the fun, the highlight of their day shouting ‘Out!’ with the vigour of a Test umpire. No one gains from the absence of human linesmen and women. Yes, it might be more accurate, but tennis is meant to be a game, not mathematics. It also takes the fun out of arguing about whether a ball was in or out, and removes another opportunity for a good moan. I’ll tell you what else I miss. Typing pools. Years ago I had a contract as a journalist in a civil service department. I hauled my manual typewriter to the desk, slipped in a sheet of A4 and began striking keys. The resultant din assured authority that I was there and working. I’d only completed a few lines when I was aware of a presence wearing a twill top and displeased expression. She asked my grade and I confessed that, as a temp, I didn’t have one. It was her belief that everyone, at all times, had a grade, and mine, even if not precisely identified, was unquestionably Non-Typing. I should halt my noisy practice instantly. If I wanted something typed, I was required to send it to the typing pool. The impasse was solved by me agreeing that I could continue to write in accepted journalistic fashion using my machine, but once I had finished a piece, I was required

to send it to the typing pool to be typed again. I could see nothing wrong with this system then, and I still don’t. Another job we have allowed to wither and die is cinema usherette – otherwise unemployed folk who examined your ticket on entry and led you into the auditorium. You followed her into the darkness until she shone a torch at the seat you were to occupy. Later we made these workers redundant by agreeing to look – ourselves – at the seat number on the ticket we had bought; and proceeding unaided to our allocated space. It might have been more efficient, but for me it was a harbinger of the end of the glamour of cinema. There was a tale about a straightbacked ex-military type who had been recruited to one of these posts. One evening he appeared at the end of a row holding at arm’s length an item of female underwear. “Do these belong to you, madame?” he asked a flighty looking lady wrapped around her consort. “No,” she assured him. “Mine are in my handbag.” Then there are milkmen, a species now rarer than the northern white rhino. I liked them. For one thing, you knew you’d had a good night if you saw one on your way home. And it gave someone a job. But although

I remember writing articles using my own manual typewriter, but once I had finished it I was required to send it to the typing pool to be typed again AUTUMN ISSUE 2026

| The Pensioner

I’m in favour of milkmen, I was never sure why we needed them. We were all happy to haul home sacks of spuds, tins of brass, silver and floor polish, vats of dandelion and burdock and batteries of eggs, but somehow drew the line at milk. Milk required a specialised delivery method – and still does, I’d argue. I’d like every street to flaunt a float. And what about those splendid women shoving tea trollies round offices, dispensing tepid drinks, biscuits and bad grace? Their favoured cleaning method – bleach (86%), water (14%) and minimal rinsing – did little for public health but they broke up a morning. I personally regret the passing of the bookie’s runner. In youth, I visited pubs to gather semi-legal betting slips, which I then ferried to the unregistered turf accountant behind the gas works. My education was expanded by understanding RTC/DOS (a round-the-clock multiple bet with a doubling of out-stakes for successful punts); weary drinkers did not need to visit a betting office; I was tipped and able to contribute to the economy or sweetshop; and I became highly competent at mental arithmetic. We will regret casting aside pointless professions in our pursuit of efficiency. How much benefit has ‘efficiency’ brought to haberdashers, wax chandlers, fletchers, coopers and loriners?

Contact us CSPA head office 160 Falcon Road, London SW11 2LN 020 8688 8418 www.cspa.co.uk General secretary Josie Irwin josie.irwin@cspa.co.uk Deputy general secretary Jonathan Safir jonathan.safir@cspa.co.uk Digital campaigns manager Verity Morrish verity.morrish@cspa.co.uk National treasurer Michael Sparham m.sparham@cspa.co.uk Pensions manager David Luxton david.luxton@cspa.co.uk Editor, The Pensioner Christine Buckley editor@cspa.co.uk PRESIDENT Brian Sturtevant 1 Harmans Drive, East Grinstead RH19 3XY 01342 325245 chairmanbrian70@gmail.com VICE-PRESIDENT Mike Lawler 7 The Creek, Wallasey CH45 3NW 0151 345 7207 mike.lawler@live.co.uk EXECUTIVE COUNCIL Chair Les Priestley 16 Shire Oak Drive, Elsecar, Barnsley S74 8HU 01226 741341 lindapriestley@sky.com Vice Chair Roisin Lilley 14 Cyprus Gardens, Belfast BT5 6FB 028 9065 8513 roisincspa@gmail.com

EXECUTIVE COUNCIL – NATIONAL Mike Buckley 29 Adelaide Road, Sheffield S7 1SQ 07885 560878 jmwbuckley@hotmail.com Charles Cochrane 3 The Seeleys, Harlow CM17 0AD 07850 913582 charmal@ntlworld.com Pam Flynn 72 Milwain Road, Manchester M19 2PR 07848 008249 pamflynn@cooptel.net Christine McGiveron 12 Benmore, Prestwick, Ayrshire KA9 2LS 01292 8226243 Christine.McGiveron@cspa.co.uk Tony McMullan 28 Cambourne Mews, Newtownards, County Down BT23 4WB tony.mcmullan@outlook.com 07902 617095 Linda Ridgers-Waite 83 Elmfield Road, London E17 7HJ 020 8509 3387 cspalindaridgerswaite@gmail.com Richard West 37 Tanager Close, Norwich NR3 3QD 01603 423144 richardwest08@gmail.com EXECUTIVE COUNCIL – REGIONAL Eastern Region Susan Hennah-Barham 17 Four Acres, Fenstanton Huntingdon, Cambridgeshire PE28 9QF Greater London Dr David Owen 164 Littleheath Road, South Croydon, Surrey CR2 7SF 0208 657 1073 private.drdavidowen@ btinternet.com Midlands Region Kevin Billson 37 Galsworthy Crescent, Melton Mowbray, Leicestershire LE13 1JD 07827 320 413 kevinbillson@ntlworld.com

© 2026. The Pensioner magazine is published by Square7 Media Ltd on behalf of the Civil Service Pensioners’ Alliance (CSPA). All rights reserved. The CSPA and the publishers declare that any publication of any advertisement does not carry their endorsement or sponsorship of the advertiser or their products unless so indicated. Contributions are invited and, whether or not accepted, submissions will be returned only if accompanied by a stamped addressed envelope. No responsibility can be taken for drawings, photographs or literary contributions during transmission or while in the publisher’s hands. Proof of receipt is no guarantee of appearance. In the absence of an agreement, the copyright

NORTHERN IRELAND BRANCH Branch president Stan Blayney 63 Matlborough Parrk South Belfast BT9 6HS blayney_s@yahoo.co.uk 02890878999

North East Andy Aitchison 2 Oldfield Close, Barnby Dun, Doncaster DN3 1RP 01302 883323 andy.aitchison@talktalk.net North West Harry Brett 46 Severn Way, Holmes Chapel, Crewe CW4 8FT 07999 874864 harry-brett@outlook.co.uk Southern Greg Mountain The Elms, 2 Partridge Lane, Twineham, Haywards Heath RH17 5QS 01444 211181 greg.mountain@outlook.com South West Les Calder 33 Rendells Meadow, Bovey Tracey, Newton Abbott TQ13 9QW 01626 830266 landmcalder@btinternet.com Wales Vacant Wessex John Clarke 17 Peel Road, Gosport, Hampshire PO12 1JS 07734 022235 john.teamsailing@gmail.com EXECUTIVE COUNCIL ADVISERS Health policy adviser Jean Hardiman Smith 31 Links Avenue, Little Sutton, Ellesmere Port, Cheshire CH66 1QS 0151 208 4879 healthadvisor@cspa.co.uk STANDING ORDERS COMMITTEE Mr R Lewis, Mrs E Turner, Mr K Yallop

Branch chair Harry Baird 21 Greenwood Park Belfast BT4 3JN springfield295@hotmail.com 07771 987745 Branch secretary Tony McMullan 28 Cambourne Mews, Newtownards, County Down BT23 4WB tony.mcmullan@outlook.com 07902 617 095 Branch treasurer/ membership secretary Roisin Lilley 14 Cyprus Gardens, Belfast BT5 6FB 028 9065 8513 roisincspa@gmail.com SCOTLAND BRANCH Branch chair Alistair Marquis 39 Bankton Drive, Murieston, Livingston, West Lothian EH54 9EH 07771 364578 alistair.marquis@cspa.co.uk Membership secretary Michael B Kirby 14 Raasay Gardens, Newton Mearns, Glasgow G77 6TH 07969 405263 Michael.Kirby@cspa.co.uk Branch administrator Christine McGiveron 12 Benmore, Prestwick, Ayrshire KA9 2LS 01292 8226243 Christine.McGiveron@cspa.co.uk Branch treasurer Cherry Dolan 23 Heron Rise, Dundee DD4 9DH 07943 770679 01382 276178 Cherry.Dolan@cspa.co.uk

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AUTUMN ISSUE 2026

| The Pensioner