the embassy can only make a decision on the evidence you supplied
sending bankstatements which are overdrawn is never a good idea
if he was paid in cash, he must have got pay slips ? but yes in his case sending a photocopy of the paying in slip would have been a good idea.
i can see why the embassy refused your visadue to lack of evidence.
where did you appeal uk or phils ?
where is your husband ireland or in the uk?
well hopefully the EC manager will review your app and approve, if not and it goes to appeal you could be waiting months
hopefully it will not come to that.