Help Re: Nationwide PPI on loan and credit card

Seasiders2013

Hi there,
Have a few questions for the forum, appreciate any help.

Briefly my wife tried to claim back PPI on a credit card and loan; has had a rejection letter to a PPI claim from Nationwide and I'm having trouble working out how to proceed and how quickly I need to. She was paying PPI on a credit card until Aug 2012, even though the company stopped selling it in 2007.

From their letter:
1) She was eligible, so could claim on the PPI cover if need be
2) She requested cover and info was given
3) In their opinion there is no guarantee that, if she'd got into difficulty of paying back, friends and family could cover her shortfall. Thus PPI was needed
4) As the loan was of a duration >18mths PPI would be the only recourse if required
5) PPI was termed 'optional credit insurance' so you signed to include it
6) The cover was offered on a no-advice basis so Nationwide had no obligation to assess your finances. The policy was optional from sign date.
7) There is no evidence of ppi on other loans #this is a false statement by them#
8) On the credit card PPI reply, they state the policy doc my wife signed included details of the PPI incuded.

They finish the letter that this is their final repsonse & if we decide to pursue this matter we have 6 mths from the date of their letter.

Questions:
1) The letter was dated Aug 14 2012, unfortunately due to business pressures we could not proceed till now. Is our deadline to write to the ombudsman Feb 14th 2013?
2) How can I challenge Nationwide on the points they make above?

Many thanks in advance

-taff

1 - yes
2 - you can't unless you can show you could have paid your balance off with savings or by other means.

Seasiders2013

Hi Taff,
many thanks for the reply. Looking at my post it was probably a bit too brief although with the time deadline I just wanted a quick bit of advice whether to proceed with the claim based on Nationwide's answer.
On point 2 that she can't claim -
My wife was employed in a permanent position, where her employer included 3 months full pay (as sickness benefit) and I was in full time employment (we lived together, no dependants) and could have paid off her debt if need be.
I just want to know if it is worth pursuing this or not?
Many thanks

-taff

It's up to you.
Your earnings make no difference because anyone can lose their job. If either of you had adequate cover elsewhere that would be enough to cover it, then mention that.
You don't have to reply to their points, you just need your original reasons why it was missold.