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 m