After citi by their own admission refunding the amount that they decided was PPI,I requested a new breakdown as I had 4 loans all of which rolled over to the other,my request was simple I ask for a new breakdown of all loans showing new figures less refunded PPI,the amount for early settlement of these loans and the new amount of re-financing plus the adjusted amount of interest charged,not difficult for a global financial institute,but apparently it is,the loans were to old to be able to do this,yet Citi managed to send me copies of all the old original agreements including being able to calculate how much PPI they were prepared to refund.I would not recommend this company to anybody my advice would be to go elsewhere,because your problems will really begin when you make a complaint.The problem with customer services begins at the top of the tree from JAMES BARDRICK down. Mr W Deakins