Hi,
I have one of the infamous NRAM Together mortgages with the separate unsecured loan,
now a few years back following a relationship breakup I was struggling to pay the mortgage on my own so came to an agreement to pay the full mortgage amount but drop the unsecured element to a token payment of a couple of pounds a month.
Now fast forward to today
I'm still paying the token amount but NRAM haven't ever defaulted the unsecured loan and just report it to the CRA as sustained arrears,
I've been working hard to clean up my Credit record following mess from the split and this is the only thing left,
is there anything I can do to request NRAM to default it so it will eventually drop off,
otherwise it will be harming my Credit forever which seems very unfair?