God is so good indeed. I was so worried the past few weeks, thinking that I will get a refusal. But I was determined that whatever happens, I will lodge my visa come what may.
One of the reason that i have doubts is my accomodation. My husband resides in his grandmothers house. He resides there alone for the past 6yrs. Grandma lives with his sister. And his sister holds the power of attorney of their grandmother's property. She only made a letter stating that my husband resides there since 2001. So much for the help. She refused to make a letter stating that i am welcome to stay in the house. So with my husband's cover letter, he explains that there was no formal rent agreement in writing and that i will be residing in that house.
And the last one of my worries, was his bank statement. Knowing full well of his bank account status, he also explains in his letter, address to the embassy, that he has providing me an allowance every month. He also stress out that he has a regular job for 2yrs now.
We enclosed all the western union receipts since 2004, all the phone bills statement since 2005, his 6mos payment slips, his employment certificate, his bank account statements, about 25 photos of us, his inland revenue last 2007, his phone bill statement with his phone number and address shown. I also included his birth certificate. Our marraige certificate from nso, my son's birth certificate, his letter address to the embassy. And that's it!
I lodge my application last Nov. 27th and my visa was approved last dec. 29th. I got only notified via sms last monday, Jan. 4th! And i got my visa yesterday! Finally, my prayers are answered! And Thank you everyone for all the tips and advises. It certainly helps me a lot!!