Thanks Ricky! yeah that's basically the requirements for the visit visa but that close friend I mentioned above is now in UK, stated in her application that she is unemployed, no own bank account here in the Phils. neither no any assets or business. All she did was she wrote an honest letter stating her real situation her and added updated printed screen photos of them in skype, their pictures together when they met last April. It was somehow, she's just so lucky coz they met end of March 2011 online then the partner came to meet her and spent only 7 days with her then she applied for the visit visa May 2011 then was refused then reapplied again on August, flew to UK Sept. 25, 2011 and be back on Feb. 18, 2012...she only submitted 6 months bank statement of the partner, 6 months payslip, employment cert of the partner and house ownership where she is residing now with the bf and of course simple invitation letter from the partner guarantying her accommodation in UK. So it must have been luck....