Payment holidays

When do you think you’d most need a payment holiday from the largest financial commitment you can make? In your hour of need, normally. Seems no one has told the Halifax that as they’ve just told me I can’t have a payment holiday as I don’t have a job or a start date for a job. I’m not asking them to forgive my debt, I’ve every intention of honouring every last penny, but I am asking them to give me some breathing space. I feel I’ve done the right thing by only asking for help when I’ve really needed it but feel a little hard done to that they didn’t seem keen to help

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