I was approved, which with a (very old) CCJ I was thankful for. However, it cost me an additional £70 for the benefit. I understand that this is a fee because those with poor credit are seen as "risky". But would not the risk be considerably lower if the costs were reasonable? Basically I'd say if your credit is good, go for it. The process was easy enough, and well explained, adding documentation was a bit glitchy and took a few tries but that's no big deal. However if your credit is poor, only go for it if you're desperate and out of other options like me.