hi whiteraven,
just want to share to u, a guy in wales managed to get his wife even though his bank account was negative..he even stated in his sponsor letter that his money used for visa payment was a loan but he owns a house, has a job but not a high paid 1...another guy he is in benefits but still he manage to get his wife... For me in applying for spouse visa, it's a matter of genuinity of relationship, completeness of documents to be submitted and braveness to gamble for visa payment...be positive and just keep moving...goodluck
