Hello everyone, In late 2012 I got into temporary financial difficulties (I knew this was going to be for 1-2 months). When I took out my mortgage in 2008 I was told that one of the benefits was that I could take a payment holiday if I did suffer any difficulty because my LTV was less than 75%, now the rest of the purchase was made up by an Open Market Homebuy (which halifax took as a deposit). I HAVE E-MAIL EVIDENCE TO SUPPORT THAT I WAS ADVISED AT THE TIME I WOULD BE ABLE TO TAKE A PAYMENT HOLIDAY! (actually in several e-mails) On calling them in December 2012 they told me that I wasn't eligible for the "Payment Holiday" because I had a 2nd mortgage on the house, I did query this because I know damn well I checked this at the time of taking out my mortgage because I like to read everything, especially when it comes to things like this. Can this like BCOB be claimed as incorrect advice. I now understand their position that I couldn't have had one but I was told explicitly in an e-mail from their mortgage advisor I'd be able to have a payment holiday if I needed one. The reason I'm complaining is that I want to have my ex taken off the mortgage obviously I can't do that if I have had arrears, had they upheld their agreement with me I wouldn't be in the situation where I now can't have my ex taken off because I've had arrears. (arrears all paid off within 3 months). Thanks in advance for anyone who can help.