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6 yr old debt with NRAM- next steps advice please!

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  • 6 yr old debt with NRAM- next steps advice please!

    We have a loan with NRAM that has been in default since October 2014. We haven’t made any repayments at all. We *made the an f & f offer for about 1/4 of the debt 3 years ago or so that they turned down. There was an article that said a lot of loans with NRAM had been sold to investment bank Citi in April 2019. I should also mention we have had no letters/calls from them for 3 years. Should I ask them to provide a CCA in the hope they can’t provide and get it cleared? Any advice on next steps would be gratefully received.*
    https://www.google.co.uk/amp/s/www.m...mortgages/amp/
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