PPI refund based on zero balance

Emnov74

Hi - I have just received a letter from
halifax with an offer for my PPI claim - the offer however is for only £88 as the breakdown States it is based on a balance of zero on 31/5/1996. I used this card a lot and took out a loan at the time to repay this and an overdraft so how can they base my claim on a zero amount on just one date when I would have been paying monthly for at least a year. I also noticed they paid the money into my bank today yet I only received the letter today dated 5/3/15! It's like they are trying to just fob me off. Should I query this?

dunstonh

so how can they base my claim on a zero amount on just one date when I would have been paying monthly for at least a year.

Where statements are no longer available, they have to average back based on the statements that are available.

It's like they are trying to just fob me off. Should I query this?

By all means, give them copies of your statements showing you paid more.