Applesun, I'm sorry I don't have much constructive to add in this instance beyond advising you to kick up and make noise as much as possible with the bank. If you escalate enough and make enough noise, I would hope they will honour the 3-month holliday.
Maybe you don't want to hear it, but when you get through all this, please make sure you have a cushion for emergencies in the future. This sounds like really sailing close to the wind given that you are talking about food on the table for the children.
Best of luck anyway,
Bob