PPI Reclaiming successes and failures

I received a letter from M+S about 7 weeks ago stating I may have been miss sold ppi I completed a few questions over the phone I received a letter stating all the loan accounts I have had with them over the years. I was shocked to see ppi had been added to them all I was offered a staggering £13,227 this has been accepted and paid to me all done and dusted in 7 weeks very easy process and well worth pursuing. Just hope my claim with Lloyds is as straight forward !!

Im feeling a bit confused. I rang Barclays in December to ask about PPI...and was told I could claim absoultely nothing by a very arrogant custer services person. As I wasnt convinced I went to a claims manangement company.....and to cut a long story short...I have 6 agreements with PPI attached. One has been paid today for overdrafts and the other 5 are being investigated. What really annoyed me is that now im losing 30% to a claims company all because I was mis informed back in December. Is there anything I can do. I have the call on my phone bill to Barclays and wondered whether its worth asking them for a copy of the call.

I received a letter today from Nationwide informing me my claim had not been upheld. A bit of background:
Our PPI with Nationwide dated from when my wife and I took out a mortgage with them in 1992, at which time we clearly remember the strongly implied message that we would not have been granted a mortgage had we not taken out a mortgage payment protection policy, to 2005 when we paid off our mortgages early. At that time we didn't feel we needed it as our wages were always more than enough to cover the payments if one of us was unemployed/sick etc.. Over time, our careers developed and the mortgage payments became less of a percentage of our income amounts, so we were in a position to pay off our mortgage six years early. We did take out another mortgage on another property in 2001 and increased that amount in 2003, but we declined PPI for those as they weren't necessary as we intended paying them off early as well. During that time, we made one claim in 1993 and another in 2005 for unemployment payment, although we only took payment for the first as we paid off the mortgages before payment of the second in 2005. Nationwide have asked for documentation of my employer's sickness payment arrangements/timescales from 1992 - naturally I don't have them.

I'm taking my claim to the Ombudsman for two main reasons:

Firstly, as I've highlighted in bold above: "the strongly implied message that we would not have been granted a mortgage had we not taken out a mortgage payment protection policy". Nationwide have argued that we had PPI explained to ourselves when we applied for the mortgage (which is true, we did tick that box), but we clearly recall feeling we had no choice but to accept it, so we have to argue our side of the case without any documentary evidence showing what influenced us to tick that box.

And secondly, Nationwide's argument that our making a claim against the policy in 1993 proves our need for such a policy (they even suggested it was "prudent" in their letter - no change there then). We don't agree, the mortgage amount was easily payable by ourselves at that time, our claim was merely made to collect what we were due from a policy we had been paying for. We feel that our being able to pay off our mortgages early (as we'd planned) proves we had no need for PPI in the first place.

We feel we have been fobbed off by a "cut and paste" argument that could be applied to any mortgage applicants claim from that time - we simply cannot prove that we sat across from the mortgage arranger and felt pressured into taking out PPI for fear of not receiving a mortgage amount.

Now I'm not being opportunistic or greedy in my claim, I simply want them to reconsider - and not do it again. I am being moany though