Quote Originally Posted by Terpe View Post
No offence intended, but I feel that you were quite badly represented by your immigration advisor, and that you entered into the application submission without any basic understanding.

Just regarding the appeal, technically you're not allowed to submit NEW evidence. The correct evidence should have been submitted at the time of application. However, it's often the case that the 'judge' does allow a little extra new evidence if it's felt that it's fair and just. Discretion.
I have to agree with that, the fact is that they refused you for 3 different reasons, the immigration advisers that you used should have had an idea this might happen from what you submitted and ask you to submit the evidence you sent when you appealed.