Thanks terpe for your kind advice. I think we are all a little paranoid concerning our applications.. Not long before the new rules i was advised strongly about making a spouse visa application when still in the red with an overdraft. It would of been sought as living beyond our means. Now the new rules are inforce all the ukba want to see is that you can prove you earn £18600 or more. Some members like me must forget that the new rules are now in force and to forget the old ones. Its so hard to do when its been stressed so clearly for so long. Thanks again terpe.