It's sad to hear the news that your GF is now refused, but you can try to apply again, and DO what is on the refusal letter. don't give up maybe in a second time, you be granted. I have something to share to you a thread. you can view this link.
http://filipinaroses.com/showthread....ys.?highlight=
That link is a thread of my BF, He share our successful application a Visit Visa. you can read there all contents in the link which i posted, on how we made our application.
I think you need to do is change the mistake papers and do it right, and give more evidences. try look the contents, maybe you can read in the contents, that is not on your checklist. which more helpful for you.