Hello,
In the early days of the pandemic, the Banks offered a 3 month payment holiday / interest only period without challenge or query, and then later offered a second 3 month break, subject to almost no further scrutiny.
When these payment breaks were being offered, particularly the initial 3 month break, I seem to recall mention that these breaks would have no impact on credit etc. I think this was coming from Government, if I recall correctly.
However, I'm now informed that the breaks are appearing on some CCR records, as a restructure event. Should that be the case ?