thanks everyone, well i got angry to say the least :( and called the embassy and demanded to talk to the ECO one "MR P RHODES". I asked him if he had approved people with mortgages before and he said yes then i asked how he could consider my finances out of control as i have no mortgage, a well paying job etc. What has killed my overdraft (2k max) balance has been paying for a CS and getting married and travelling many times to phil also paying off the house we have in phil faster that i actually have to. (£20k unsecured loan payed down to £11.800 in 11 months). Once i have completed this im debt free, zero, nothing. All this WAS explained in detail in my covering letter.
Well so far i have faxed MR P RHODES' boss aparantly his name is Dan Hill i have complained the ECO was unfair and grossly negligent. I got a fax back from MR hill in the embassy saying he would look into it. (yeah right). I have filled in an appeal and faxed straight to the embassy, submitted my story to about 6 national newspapers, faxed the minister for immigration and my local MP.
Im sick of working and working and trying to do the right thing, being responsible and i watch asylum cases brought into the country and given a blank cheque. I watch my friend who have never worked abuse their girlfriends and take no responsibility for their children.
My plan is to give this until around next may then rent out my house in england, sell all my posession and move to phil. Im through with this country.