How to Calculate PPI amount

asadalimalik

I applied for PPI refund for my Halifax and Barclaycard credit cards. Both have approved the application that PPI was miss sold. Brclaycard did not refund anything on the basis that the amount they were charging was not fluctuating with the amount. Therefore, there is no refund payable. 
Halifax refunded me £667. Although I took as an average of £4500 over the period of 10 years, then I started repaying more. They only took the amount which I am borrowing in February, 2020 and paid the difference what it should have been without PPI policy there. To me it does not make sense as I must have paid a lot of amount because PPI policy was there. During this period, I had very hard time in which I had a new born baby and they used to take the money from my account forcefully but they never mentioned that I had PPI policy and I could claim it from there. Is there anyway I can calculate the right amount for both cards as I intend to go to Ombudsman against both companies. Can somebody help me. I can send you the actual calculations they sent me if that helps. Thanks

[Deleted User]

asadalimalik said: I intend to go to Ombudsman against both companies. Can somebody help me. I can send you the actual calculations they sent me if that helps. 

It won't help.

If you don't have comprehensive documentary evidence from your own archive of what you paid in PPI then the Ombudsman cannot somehow force those banks  to refund more than their records show (or don't show).

If they took payments against your card "forcefully" because you were in arrears etc, your PPI (if any) would have ceased in any case. 

Sorry.