Hi all This is my first post so I hope its in the right place. I have run my own Ltd company for nearlt 13 years and have taken loans out with LloydsTSB Business over the years. Each loan was refinanced as the needs of the business grew. The last loan was taken out in 2009 and currently stands at around £10,000 owing. Prior to that I took out loans in 2002 and 2005. The earlier loans had PPI protection (never claimed on this) and I was told at the time I really had to have it even though I didn't feel I needed it. What I now want to do is to reclaim the PPI payments with interest and I am looking for a calculator with help notes on how to go through the process. I have the 2005 agreement and part of the 2002 agreement. The 2009 (current) loan does not have any PPI. The premiums on the 2005 loan were around £27 a month based on the total premiums of around £1,600 inc. interest at 9.5%. Is there a step by step guide available with perhaps a spreadsheet calculator? Any help gratefully appreciated. V