this visa application to be with my husband is so frustrating and depressing when problem arises one after another yeah am here to complain and ask for that is encouraging and uplifting my faith seems to crumble at the moment

just when i thought am all ready for my application my husband got on sick leave and thus, not having a good salary to show on his payslip and got overdrawn his loan is about to finish and how come bank wants him to get another loan? for what? RIPPED HIM OFF more??? am afraid the interest on his OD will get bigger will his low payslip and the OD will greatly affect my application is it possible to explain this to embassy??ohhh am just so scared to apply now with this problem BUT I CANNOT WAIT ANOTHER YEAR just to be with him.