It really is bad that a silly little amount like £1000 could even be suggested for the grief it causes. I was placed in a very similar situation and I would have no reason to accept less than 10 times that figure. The costs caused to me in relation to not being able to gain credit are even close on 20k. Being in business my credit line was all important and having this ability to gain credit at a fair rate was more so again. Now losing that credit line and good rate on already used credit meant I was placed in a rising rate and not small rises but 5% jumps on apr overnight basically and with capping and sopping of allowed crediting. Lost £8k in credit line and inability to make planned purchases of new vehicles to keep us covered from mechanical issues with 3 yrs cover. Guess what I had to buy used which I had got away from whilst growing my business. And 9k later I have 2 broken vans both requiring another £1500+ to get them back usable now that is in 15 month only. The CCJ was there for 2yrs 6 months now gone and now if I had the money to put the deposit down I could get new but because the ccj was there I had to buy used and that was deposit money all gone. Now without the ccj being there i would have gained the credit at 5% flat rate and paid over half the vans off and still been 6 month left on warranty. Beggars belief how the insurance companies are allowed to get away so cheaply when they really mess peoples lives and business's up. They gave me an interim payment which I reluctsntly took with express outining this had no bearing on my claim for damages and they said they would pay me out by taking the law firm under professional misconduct as they had not acted correctly on behalf of BRIT insurance now riverstone. Guess what happened they said we are not doing any more and basically write to the FSO. Pay large money for insurance then they rip you off. I hope to succeed in getting a fair amount to cover my extremely effected life for nearly 3 years. I am still too scarred to apply for credit in fear of rejection. As rejection will knock me back again.