PPI Nationwide

You're mixing up a few things here - if they issue a final rejection you can refer to the ombudsman but it depends why they rejected it, if they time barred it (as you cancelled it in 2011, they can do so as it meets the 3 and 6 year rules) then your complaint is over. Going back to them is pointless especially if, as you say, your complaint reasons were vague and unsupported.

Plevin is completely separate and only applies if your complaint has finished the process and you could then ask them to see if it comes under there but is not a guarantee of anything and the refund is likely to be smaller

Whilst it would normally be up to the account holder to cancel the direct debit, it is not always the case.

There have been upheld cases where the policy in question only covered the mortgage of that lender and the FOS decided the lender didnt make it clear that the insurance should be cancelled.

However, if the insurance would have continued to be acceptable irrespective of lender, then the lender is not allowed to cancel the insurance. That is down to the borrower.

I dont know what the position with Nationwide's insurance was but if it only covered their mortgages, then i would expect a refund from the point the mortgage closed.

I am formulating letters to Midland Bank for a personal loan ppi

That would be HSBC.

nd Norwich union/Aviva for Mortgage Protection.

Why Aviva? Did an Aviva staff member sell you the mortgage protection? If not you wouldnt send it to them.

What is this Mortgage protection policy? Aviva was a very very small player in the mortgage PPI side of things. However, they are a very large player in the mortgage life assurance side. Is your policy PPI or life assurance?

Do I mention commission in my first letter?

no

The reason I say Aviva as that is on the letter head showing the policy dates ie Norwich Union/Aviva.

it isnt the provider that you complain to though. It is the seller. Most Aviva policies are put in place via third parties. Not Aviva themselves.

Also, as I said, are you sure this is PPI? Does it give any indication of what it pays out on and how much?

the letter I have states it was a Mortgage Security policy from 22 December 1981 and lapsed on 22 September 2005

That would suggest it was life assurance. Not PPI.

In the 80s until around 1993 (ish), you had to take out life assurance with a number of lenders to act as security on the mortgage. I remember those days well as we had to write a big red S on them to indicate they were security.