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Payment holiday

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First off all hello everybody . Today i rang my mortgage provider (Nationwide) to enquire about a mortgage holiday as i have £10000 on credit cards.I pay £1365 a month mortgage repayments . If i could stop the mortgage for about nine months i could clear this easily . The nationwide told me debt consolidation does not meet there criteria for mortgage holidays . I was just wondering those any body know for what reason the Nationwide will give a payment holiday . Thanks Paul

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