My wife's fiancee visa ran out on 31st Septemebr 06. We applied for our visa on 28th September, and had an answer back in 10 days. The same rules apply for ILR whoever asked the question. So long as they have receipt of your application on or before the day your visa runs out you can legally stay until your application has been decided upon.
And for all you Filipino's, who I know from experience spend half your time worrying about everything, the FLR and ILR are really formalities as long as all your paperwork is in place. Its not like getting the visa from the embassy in PI. Its much easier.
And if your really insistant that you get your FLR/ILR you can go to Liverpool or Newcastle (not sure about places for u southerners out there) and they will grant your extension 'whilst you wait'. PS. Its cheaper if you do it that way too, by about 200 quid.
I hope thats put your minds at rest once and for all.
