Dear CAG I've been in correspondence with Santander re an account A&L used to offer called Flexiplan. This was an account linked to your current account that paid derisory interest if in credit (you paid into it monthly by dd) but you could get an overdraft against your monthly payments into it. After a lot of to-ing and fro-ing, which involved me sending copies of the ts and cs that showed if you had a type of PPI cover the interest rate was lower than if you didn't, I've been made an offer of a few hundred pounds. when I pointed out that the offer made was for a different period than the statements covered (2001-2003), they keep on telling me that it's not based on those statements but on what my overdraft limit was for the Flexiplan account was The offer is based on the limit being 1000 Dec 97 to April 99, credit limit £1000 which makes PPI £4.65 per month; May to Nov 99 limit £1800 which would have made PPI £5.58 per month. They can see no evidence of any PPI coming out of my bank account after Jan 2005. Surely I should be reimbursed for the period I've supplied statements for as well, even though they don't show what the credit limit was? And could someone please confirm which spreadsheet I should use to calculate whether their current offer based on the monthly amounts of PPI they calculate is in fact correct - thank you very much for your help Pinny