Hi everyone,firstly im a novice so please forgive as i expect this question asked 1000 times but just trying to make sure i get this right especially as i believe rules an regulations changing all the time. Met my filipino fiance just over year ago on line and since then friendship has grown into love and now weve decided we want to be together. So decided we should apply for a fiance visa, firstly is this the same as settlement visa as when i went online to the commercial arm of borders uk agency in phillipines it didnt actually say fiance visa or ami being just a bit thick. Ive read some articles on here about sending extra letter to help applicatio, so ive made up a pack containing the letter,plus copies of emails and letters, copy of my passport, tenancy agreement, employment contract, last 3 P60's for earnings, letters from my 3 sons,proof and photos of my visit to Cebu etc etc. Am i assuming that i send these directly to the visa application center in manila. My fiance is obviously making her own pack to satisfy the requirements asked for. Also my fiance has 2 young children, 4 and 6 years old,who think the world of me and me of them and theres no way their going to be left behind, would i be right in assuming that she has to fill out 3 seperate forms but it will only be the 1 payment ! Lastly people mentioning CFO, what is that ! Sorry if its all been asked before but i really want this to be right first time round. many thanks in advance Les