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  1. I think there is a serious and ongoing problem with Santander's PPI and interest refunds on PPI which was mis-sold or mis-applied to a credit card. Their 'formula' produces figures which can be significantly below the actual overcharge and overpayments made. I would appreciate if anyone who has had a PPI refund from Santander could look at how their refund was calculated - if you haven't done the actual calculations yourself you would not know if the refund is correct or not and may simply have believed them.
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