Northern Rock are taking a very long time to repay depositors who have had to give them written instructions. Remember these deposits are peoples LIFE SAVINGS not speculators and in the main it is the older saver who was/is with Northern Rock. I gave written instructions on Friday 14th I have still to receive repayment. Lives are being upturned until that money actually comes into our nominated accounts we are still worried. The Government is already saying that the guarantee is not open ended.

Kathryn, Manchester,

"What about my mortgage?

Homeowners should not be overly concerned ... If Northern Rock does get into trouble, the likliehood is that another lender will take on its mortgage book. Some brokers are still recommending some Northern Rock home loans."

Another lender take on its mortgage book? This morning analsysts are saying it will be left to wither on the vine. Can anyone answer the question on what happens to people with NR mortgages if NR really does implode?

JM, London,

Bring your savings to my bank, the Prudence Bank of Great Britain SARL. You can enter our free lottery and you could win a withdrawal slip! Our directors are the very best and we ensure they are well-paid so that they don't leave. Become a shareholder too! Even in difficult times we never hold back a dividend. And - just for you, our customers - we have a privileged arrangement with the government so that nobody will ever, ever, be disappointed with the Prudence Bank of Great Britain SARL......

john problem, london,

to Peter in Wellingborough i think you will find that if you check the statement from the bank/goverment that if you put the money back into the same account/s that they were drawn from they will be 100% covered by the goverment in addition you will receive back any interest you loss by withdrawing the funds.

Hope this helps

Steve, Wolverhampton

Stephen Franks, Wolverhampton, West Midlands

I am a bit unclear on your Q&A explanation. You say the bank mostly lends to 'prime' customers and yet, it has £75 million in direct exposure to these sub-prime deals and £200 million which is indirectly exposed to the turmoil in America. Explain that again plse?

Rachel Rajoo, London,

Dear Sir,
Could you please clarify the situation with regard to ISAs (cash)
held at Northern Rock. Are they classified in the same way as deposits? In the event of a takeover, will the new owner be legally bound to honour the original terms of reference?

Thank you,

Derek Cotty, Chertsey, UK

Northern Rock - Very Important - NEW DEPOSITS Could you just clarify something that is in Adam Applegarth's Letter and also the Press, concerning the Terms of the fully backed clause made by the Chancellor & Bank of England. It concerns this paragraph: The simple fact now is that the Chancellor has made it clear that all existing deposits in Northern Rock are fully backed by The Bank of England and are totally secure during the current instability in the financial markets. I withdrew most of money over two weeks ago and the remainder last Friday apart from a few pounds. If I returned sums of money into my accounts AM I COVERED BY THE FULLY BACKED CLAUSE?? Reason - These are not existing deposits but NEW DEPOSITS. I think this important point needs to be clarified.

Peter, Wellingborough, Northants

I hear now that Northern Rock are going to reimburse any lost interest for these people who ignored the general advice and queued up to withdraw their money anyway. What about rewarding those of us who kept faith with the bank and didn't withdraw their savings?

Caroline, Leeds, Yorkshire, UK

if Northern Rock go bust your house is safe as their mortgage book would be sold to another lender who would take it on under the same terms and conditions as your current mortgage, as laid out in your original mortgage offer.

Even if that were not to happen there is no way you could be repossessed as a court order would be required, and a repossession order would not be given as long as you are up to date with your mortgage payments.

Joe, Glasgow,

"It's main problem is the difficulties it is encountering in the credit markets." - should be no possessive apostrophe. Also several paragraphs are duplicated on this page.

C, london,

If my bank went bust, would all the money in my current account be refuned or would it be dealt with in the same way as a savings account?

Breda, Rome, Italy

will i lose my house if northern rock goes bust?

charmaine williams, cannock, staffordshire

Northern Rock should "reward" its loyal savers for NOT withdrawing Money, So.......Don't Panic!!!

Rod, Uttlesford, Essex