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Why would a company refund one customer and decline another?

Hello I keyed a Plevin claim using the link with my Nationwide MPPI policy.This has been in place since 2006 and we are still paying premiums. I have received an update letter and today I have received a letter to say that my claim is outside of fca rules. No other explanation. I have a friend with exactly the same mortgage and MPPI policy and they have been offered a refund. they have had their mortgage since 2000. Any ideas why one person gets a refund and another person is declined?

I am going to ring them on Tuesday but it seems very odd

Thanks

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