welcome to the forum andy.
i think its not yet late for your girlfriend to be employed.why not be self employed.set up a small business or small store.register and include the permit to her visa application.Another thing is, if they own a property, have her name included.That could prove that she will come back because of her business and property. if she still lacks money, borrow from a trusted friend and promise that she will return it after an hour.After an hour she gets the bank certificate.The bank account should jive with the business or source of income.The money should not come from just somewhere there should be a proof of income.
Actually thats what i did when i applied for a visit visa.after a week, they approved my applciation.
Another thing to prove is your relationship and constant communication.is she saving all your emails and chat logs?
i suggest pls visit this website:
http://www.british-filipino.com/