Records passed to us show you're entitled to a refund approximately £2560 in compensation from mis-selling of PPI on your credit card or loan.Reply INFO or stopThis is pure and simple spam, there are no "records" showing any such thing. In this case the spam came from +447790682898 although spammers often change their numbers.
If you get one of these, you should forward the spam and the sender's number to your carrier. In the came of T-Mobile, O2 and Orange the number to report to is 7726 ("SPAM"). Vodafone customers should use 87726 ("VSPAM") and Three customers should use 37726 ("3SPAM"). Hopefully the carriers will act if there are enough complaints.