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