lucky I wasnt reading this before the 100k guarantee came in 
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I was working on the 'natural justice' principle (naieve I know) that if the bank went bust and lost my deposit I would only owe them the net borrowings. Havent an official offset mortgage but effectively the same from a cash point of view.
Hard to see a judge ruling you owe them in full/allowing them to re-possess your house after they lost your deposit (again probably naieve).
. I was working on the 'natural justice' principle (naieve I know) that if the bank went bust and lost my deposit I would only owe them the net borrowings. Havent an official offset mortgage but effectively the same from a cash point of view.
Hard to see a judge ruling you owe them in full/allowing them to re-possess your house after they lost your deposit (again probably naieve).