Standard Bank Payment Holiday

I app**** for a homeloans in April, when I called the Debt care centre to find out how will they collect the money back, a consultant told me, they will just increase the term by the amount of holiday they give you, 3months holiday break will equal to 3 months extra to pay, then I was okay with that, (what you give me, you take back), for some reason I called for feedback today, and again asked the consultant how will they collect the money back?? This consultant says that they will ADD 12 Months to you existing term??? And it is on the terms and conditions that they will send AFTER 30 days, so they don't send it before you agree, they only send you the terms and conditions after you have received the payment break and it's to late to cancel.