Evening all,

I'm after some advice and please forgive me if this has already been answered. I'm using my mobile and it's not too easy to navigate/search on here to see and it's been many years since I last posted on here so I'm a bit out of touch with processes/etiquette.

I've received a letter from Santander relating to a PPI claim that I opened quite some time ago and didn't proceed with. I was told at the time that there is no records relating to my account because of its age.

The credit card was taken out with Alliance & Leicester very early 2000 and was taken over by MBNA in March 2003. I had a few cards, the repayments were gEttington to the stage where I had little left over after paying the minimum amounts on all of them and then ended up living on credit at the limit but was still able to pay the monthly payments. Then the company I worked for at the time closed down over night owing me a months wage and missed payments. I found work but not soon enough for the late payment charges and interest to escalate. I then entered a debt repayment program with Baines and Ernst chipping away at approx £16k of debt.

I had PPI cover on all my cards (and loan) because I was foolish enough to think I would be protected. When I was out of work I tried to initiate the cover but was told that because I wasn't on JSA I didn't qualify (the amount of time I was out of work and then back in employment wasn't worth signing on but did mean I had to wait two months before any money from employment came in).

They all told me this about having to sign on JSA and didn't want to quit my new job so hence the repayment program.

So today, this letter states that they still hold no evidence but "have recently undertaken a further review of our process and guidlines, and this means we are now able to calculate an assumption redress offer".

Their offer is £48.89!

I'll have to have a hunt for a statement or any mention of th card balance, but that offer does seem very unfair considering A&L were one of my biggest creditors (£4k plus) and we're one of the most brutal when it came to Debt Collection.

This is how they've calculated it

A: Full refund of PPI payments: £25.08

B: Interest paid by you on the above: £0.56

C: Lost interest on cash unavailable to date: £29.06

D: Income Tax Deducted @ 20% = 20% x C: £5.81

E: Net interest paid to you = C-D: £23.25

F: Net offer to be paid to you = A+B + E : £48.89

Any advice on what steps I should take would be extremely appreciated.

id be sending them an sar.

Similar thing happened with my Santander PPI complaint. I was originally told that it wasn't a valid Santander card, and when I tried again two years later they found a copy of the credit agreement and one PPI premium that I paid just before the account was closed. I couldn't find any old credit card statements, only copies of all the direct debits I had paid when the card was being used, so Santander made an offer based on my average spend.

I had to accept it because a DSAR produced no new evidence, however mine was a lot further back than your complaint so it might help in your case, ask them for either copy statements or a full list of all your transactions. Best of luck