What happens to mortgage if bank goes 破産した／（警察が）手入れする?

By This Is Money
Updated: 12:42 BST, 28 January 2009

?

We have a NatWest One Account 相殺する mortgage and have been trying to find out what would happen to the cash we have in the account if NatWest went 破産した／（警察が）手入れする.

NatWest: What will happen to our One Account 相殺する mortgage if the bank goes 破産した／（警察が）手入れする?

I asked if we'd be covered under the 財政上の Services 補償（金） 計画／陰謀 up to the 限界 of £50,000 and was told we didn't have a 貯金 account, but more of a '安全な・保証するd overdraft'.

This wasn't what I had 以前 understood, so I asked for a 最終的な answer in 令状ing but have heard nothing. Without knowing what 保護（する）／緊急輸入制限s there are, we moved £30,000 out of the account.

This means it isn't operating in the way we ーするつもりであるd, so we are 支払う／賃金ing a lot more 利益／興味 than we need.

Y.R., N. Lincs.

Margaret 石／投石する, the Daily Mail's Money Doctor replies: In 見解（をとる） of the その上の 開発s at RBS, the parent company of NatWest, I think your 関心s about the 保護するd status, if any, of its One Account 相殺する mortgage will be 株d by others.

It certainly took NatWest long enough to come up with the answer after I'd prodded it on your に代わって. The One Account is, in fact, a 安全な・保証するd overdraft with an agreed borrowing 限界 up to which the 顧客 can 身を引く 基金s. Any 貯金 paid into that account 減ずる the borrowings.

They, therefore, do not count as qualifying 貯金 under the 財政上の Services 補償（金） 計画／陰謀. Although if you had a credit balance (in other words, 貯金) in that account over the agreed borrowing 限界, then up to £50,000 of it would be covered under the FSCS.

For example a 顧客 with a One Account with an agreed borrowing 限界 of £200,000 who 支払う／賃金s in £50,000, 減ずるing the borrowing to £150,000, would not receive 補償（金） in 尊敬（する）・点 of that £50,000.

Banks in 危機

null

• How to keep your 貯金 安全な (Updated)
• 手段 the safety of your bank
• How 安全な is your building society?
• How bank 騒動 is 影響する／感情ing 利益／興味 率s
  
• 警報s on bank 失敗s: 調印する up
  
• Bank 株 prices (updated throughout the day)