Update on success -
Sent SAR to the underwriters Pinnacle - their response must have been sent back the day they received it given the turnaround - the response was along the lines of 'we have no record of you'
I sent the claim to Lombard /RBS just as the FOS wrote to me suggesting as much as they had spoken with RBS who told FOS they would look at the claim if sent in by me.
Seven weeks later - RBS have settled with a letter beginning "Thank-you for accepting our offer via the Financial Ombudsman Service"
Nice, but I don't recall accepting - must have been FOS on my behalf.
The sum is as we calculated above, adjusted for the payment date, thanks dx100uk ! The only shock is the removal of £453 for income tax on the statutory interest with an explanation of HMRC ruling of Oct 2013.
Leeches.
£3,348 - not bad for a 20 year old loan with no paperwork save a 'thanks for your final payment' letter
The only advice I can give to anyone else with little in the way of proof of the loan, is per the thread and advice on the PPI pages here,
SAR every organisation involved before claiming
- the seller,
the loan provider,
the PPI underwriters and
any other company you can if they have been sold on or taken over and
once you have usable documentation, claim against the company providing the documentation.
Good luck!