Help with Lloyds TSB PPI (Asset Card) in Payment Protection Insurance (PPI) Posted November 17, 2013 dx Could you do me a link to the spreadsheet you mention? I cant seem to find one. Also, when you say an average of all the premiums, do I include the months where the ppi was zero? i.e. when the account was in credit? I am only missing the initial 7 months of statements from 1999 when the card limit was only £1,000, and it wasn't maxxed. My first statement from Jan 2000 shows ppi of £6.68, so all of the earlier months would have been less than this. I think an average of all the premiums I have available would be much higher than this, and this would have been impossible with a credit limit of only £1,000. MP.