12 Letters to have and to hold. Can anyone solve it?

Vipguy

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When I was a young child my neighbour who lived opposite ask me this riddle "12 Letters to have and to hold".

Despite me asking him on numerous occasions what it meant he refused to give me the answer. I am fairly certain I have the wording right.

Can anyone solve the mystery or has anyone heard it before? What could it be?

Thank you!
 
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