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  1. I have been making monthly payments to NRAM for the last 12 years after a house repossession, payments ranging from £10.00 to £80.00 a month depending on my income. The mortgage and loan are in joint names with my ex partner and he currently pays nothing towards the debt and hasn't for years! I am really hoping to make a full and final offer to have my name removed from the debt which is something NRAM have said they can do. I am hoping to offer £10,000 as a full and final, the total amount owing is £78,000 which will then be passed onto my ex. Does anyone have any experience with full and final offers with NRAM, will I be wasting my time? I did make an offer of £4000 about 10 years ago which was refused. Thanks in advance.
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