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ppi re lloydstsb any advice please

sent off forms in may, 16 weeks later got reply saying would refund within 21 days, this was letter dated 30th august.
still no refund into account, when i ring all i get told is they are busy with backlog, now they say will send cheque for interest and put refund back onto loan account ( which after 6 years i only have 3 payments left on ) and still nothing has appeared.
this just seems wrong on so many levels, at this rate they will be taking another monthly payment off me soon.
is there anything i can do.
thanks
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