hi
If you earn £50,000+ a year and are allways dipping into your overdraft this is a bad sign for the ECO as sometimes it shows you are not wise with you accounts and the ECO is thinking how can you support your wife, where as if you are in the black every month, that is what they want to see. May i suggest you start again mabey with a small loan to put you in the black and show this each month as i did and had the repayments coming out out from another account which i did not show them.
Wishing you all the best with your decision
Sammy.
