print and scan your latest 6 bank statements and email them to your wife, the problem is if they are online ones..

Consulates are reluctant to accept bank statements printed out from e-banking accounts because these can be so easily forged. Properly headed original statements can usually be obtained by visiting a branch office.

next get evidence you have £xxxx in bonds and write a letter that you have started process of selling them and the money will be in your current account but that will take xx wks. - the embassy want to see you have instant access to your money and not 90 or what ever days notice before you can get the money..

mention in the letter about your 3rd party financial sponsor again - did you send evidence they have access to money instantly ??

also its worth mentioning in your letter you wife has just finished a carers course and will be seeking employment when she is in the uk.

If the financial standing is marginal, and if the applicant has plans to work in the UK, a job offer letter can be included to bolster the application's strength; and failing all other evidence, the applicant may attach a CV (or academic credentials) which demonstrate favorable prospects. Note however, that this is generally the weakest form of evidence.

good luck, you shouldnt be thinking about going to an appeal