hi
Im sorry about your refusal, my mahal and I had the same problem last year and were refused for the same reason. So what I didi was got a loan and put a lump sum in my account but asked the bank to take out the repayments from one of my other accounts which they did but I did not submit the statement showing the loan going in to my account, I used the next one, followed by the next 5 statements which showed a steady £3,000 allways in the black and that helped our fiance visa approval, bearing in mind from the time we were refused we had waited 9 months to finally get there. This is my own experience, I just thought to share it with you and hope you good luck in your decision and best wishes from my fiance and I.