in most cases problems with ILR might come from the following list

the person had not taken or past the life in uk test
payment for ILR was refused by your bank for what ever reason and you didnt have time to sort it
not been in the UK for 2yrs- 28 days. so you applied too soon or worse too late

but if you've a child like terpe has said , worse comes to worse you'll probably be given DLR

oh i'm off now, go to go to the beach with the kids