Hi there help needed with NRAM Together mortgage

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Hi

 

 

I currently have a together mortgage with NRAM,

got this back in 2006.

I took this mortgage on with my now ex girlfriend.

 

For the last 4 years I've been trying to get her off the mortgage and she is happy for this to be done.

 

 

I have 3 defaults on credit cards, which are due to expire in 2016,

when I asked NRAM to do a change of parties,

they want to do a affordability check,

which then stalls due to the defaults.

 

They won't even go any further with the application as soon as they hear the word default.

 

I have paid the mortgage without any missed payments for the last 4 years

and find it frustrating, that NRAM simply can't remove my ex who doesn't work and hasn't contributed in those last 4 years.

 

Surely they should look at the payment history on the mortgage to see there aren't any issues.

I know the affordability checks are to stop people overspending, but they aren't supposed to use this with existing customers.

 

Has anyone been in a similar position with NRAM and actually managed to get their ex removed from the mortgage?

 

Thanks in advance

 

Chris