yes why use visalogic ? , why apply 2 days before your visa expires , it looks like they applied for FLR, i think maybe she couldn't pass the 'life in uk' test in time so couldn't apply for ILR.

yes his letter went on too long, partly his own fault for not checking they had took the payment. and for leaving it so late to apply, always apply for a visa ASAP not the last day or so, it gives you more time to sort problems out like this.

some people have written the wrong account number down on purpose or applied knowing they don't have the funds in the bank, just to buy time, UKBA have caught on to this, that's why in some cases they refuse the app, but I think in others they will give you time to send the payment again but maybe becuase her visa expired they didnt have time to.