I got this reply from WFS literally 2 weeks ago, which is pretty much saying the same except they are giving me the choice to receive the money or offset it so they are definitely trying to pull the wool over your eyes. wfs.pdf

The Account date was 2004-2006 (not 2006-2008)

Hi, Thanks for the replies. I agree not to trust Lloyds. I did speak to the call centre after I received the letter but they were useless simply saying if I was a good payer I would never have had to pay PPI - it clearly states I was a non-max payer! I'll get a SAR sent off today along with a letter stating I part accept the compensation. my reckoning is that I paid off the CC in full November 2006 so they've disregarded anything prior to this. Thank you.

Hi, First post so please be gentle I recently made a claim for PPI for an old Lloyds Credit Card that ran from 2006 - 2008. I did it all via initially the telephone and then using the standard PPI reclaim form. My reasoning for the reclaim was the firstly I was entitled to Full-Pay SSP and also I have type-1 Diabetes so it's unlikely the PPI would have been relevant to me, none of which was explained at the point of the CC application. Lloyds have now said they have upheld the complaint but the figures are extremely weird. I've attached the refund letter but they are stating I only had 0.01p of PPI which I find hard to believe and they are refunding me £298 or so. I didn't request a SAR but now I'm thinking I probably should to work out if what they are saying is correct. Also they've said they'll pay the amount within 28 days, I assume I can still contest this even after they've deposited the money into my account. Thanks!