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No, 'my' plan is that instead of 12 months out of 12 of £X, we have 12 months of 15 of £X and a 3 month holiday as part of te 15. No double pay.

But isn't that like a breathing holiday - one is left gasping for air (or paying back what's missing at super quick time) once it is over. I may be misunderstanding..... Let's imagine you owe £1200 and the deal is you pay £100 a month. A 3 month holiday, to me, means you don't pay for 3 months...

That's not a holiday, then. Oh well.

If you take this 'holiday' the repayments per month, later, are higher, are they not? That wouldn't be a holiday. A holiday is time off that you don't have to catch up later by working longer hours. Apologies if I have misread the message.