Article: Northern Rock: What you need to do in a crisis; Who'll be next?: Emma Smith is amazed that a bank can get in 'terrible trouble' Staying calm: Michael Young says the situation is 'a storm in a teacup' Hasty withdrawal: Elizabeth Boyd says she is afraid Northern Rock could go bust.

Byline: RICHARD DYSON, TOBY WALNE

NEWS that Northern Rock was forced into begging a loan from the Bank ofEngland shocked its 2.3 million customers.

Within hours of learning of the crisis, savers besieged Northern's phone lines,website and branches as they sought reassurance. In many cases they withdrewtheir cash anyway. Are their fears justified? RICHARD DYSON and TOBY WALNEreport What is happening at Northern Rock?

LAST Thursday, Northern Rock had to plead for a loan from the Bank of England.This was a dramatic step because it showed that the Newcastle-based bank - thefifth-biggest mortgage lender - could not find enough money elsewhere. ...

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