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  1. In August 2005 I took out an HSBC Mortgage. In September 2005, I went back to university to study for a full-time MBA. To help with cash flow, HSBC kindly offered a 6-month payment holiday. I took the payment holiday option in December 2005 with the mortgage payment holiday ending end of May 2005. In June 2006 I received a call saying my mortgage account was 6-months overdue. I explained the Mortgage Holiday and was sternly told, “HSBC doesn’t do Mortgage Payment holidays – and all money must be immediately repaid.” WTF...? I arranged a payment plan to pay
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