I'm sorry to hear that, I'm sure there is a way to resolve the situation. There is a process to appeal.
The decisions are based on evidence set out in the guidance manuals which are available on the Home Office website. I can say that it is possible to obtain a tourist visa for a filipina girlfriend who isn't currently employed and without providing any evidence of their finances.
When we applied for hte first one, I submitted a full letter from me explaining our relationship, the situation, my support and our plans whilst in the uk, return tickets (proof should would return), a letter from my employer confirming my employment, copies of my passport and some salary statements. A lot more then they state on the website, but it did work.
They have a lot of problems with overstayers, and you have to prove to the ECO that your situation won't be that as per their procedures.
