Why dont you use the Settlement checking service? its about £80 and they photocopy everything for you AND check you have all the right documents and check everything is filled in correctly and the correct payment is made. They then post it on to UKBA to arrive next day. At least then you have some peace of mind that someone else has checked it and everything is included.
When we did my wifes earlier in May, we hadnt included all the documents in joint names covering the two year period. However we took to themeeting ANYTHING with my wifes name and our addresss. With the help of the staff we were able to 'fill the gaps' and give a full 2 year record. IMHO its well worth the extra money.
We havnt yet heard if wehave ILR but have had acknowledgment letter after 2 weeks and have done biometrics so hopefully it should be soon.
....but whats the hurry........we will still be here!