@AnyFucker
Yes, I have. I have full trust in the government too that it will not be an absolute ballache to get it sorted should the worst happen
Im with this view.
Even if you have credit, I'm willing to bet we will see consumer programmes in 12 months time where people tell Dom that their credit has gone missing and they cannot get through to anyone to make it reappear.
It could be years before some people get it back (if ever) and it may involve you having to chase it for hours on end.
If you can download proof of your credit now, it will help you enormously in the future.
But don't expect that money to be freely accessible to you any time soon when you might need it most.
I'm sure there will be cases of people who have credit, get put on high tariffs, then cant pay them and get into debt and are chased for that debt, even though they have hundreds lost in credit purgatory.
What I really wouldn't be doing would be upping my direct debit on fuel now by £20 unless I was with the big six. Instead put extra money (if you have in) into a savings account you can access.
This is going to hit everyone eventually so I think its a wise move to put it aside if you can afford to.
But yes, I wouldn't trust guarantee systems because they are notoriously shit and people always have problems with them.