sorry guys more querries from me

i was looking in to some of the threads and could not really find the answer for what i have in mind. My husband has a loan and still paying off and it shows on his statement, will this affect our visa and should we explain this? my husband current account does not show around 2000 and maybe even lower now as he has been on sick leave for last month and he is just getting back on his toes. (the only solution the bank wants him to do and get over his OD is to take another loan which my hubby refuses to do so as they are giving him high interest. ) with his financial situation at the moment his family would like to put in some money on his current account, WILL THIS BE IN QUESTIONED too?

how do we go about explaining our situation on his covering letter? we have documents to support why he was OD and a letter from his family sending him money on his bank and paying for the visa fee,