linked FDs in savings account

[saurabh_gyl]

Hi

I have maintained more than 2800 GBP all the times in my savings account for last 3 months. I have few linked FDs with the account, which are seperate from the required funds i have maintained. Do I need to mention them.

My bank states 2 terms

Available balance: only operative account (always more than 2800 GBP)
Total available balance: operative account + linked FDs

Also do i need to provide FDs for them. Bank cannot provide statemnt of FD account. reason i didn't understand

kindly advice.

[rajesh9pl]

Case worker want to see if you have maintained GBP 2800 in last 3 months. He/She will not look at if you have DMAT account connected to that, or Home Loan being paid, you are paying utility bill from that or have FDs connected that.

[saurabh_gyl]

ok i guess i missed one point above

my operative bal = x
my non-operative bal(FD) = y
total bal = x+y = z

x > GBP 2800 at all times

bal in bank statement = x (submitted as proof)

but bank said if anyone calls them to ask bal then their answer = z (=x+y)



now can this be problem.

[rajesh9pl]

It shouldn't be problem. I never cross a case where Bank was contacted for cross checking the balance.

Higher (x+y) balance can never be a problem.