I cant remember the exact words of refusal but the situation is like this ... on the frist try , the gf didnt convince the ECO about the ample amount of savings she got on her account in the PH, she has no job, out of school, living with her parents ,no property or any investments and the money that was put in the account was a ''show money'' from the bf.
2nd refusal , they let the money stayed in the bank and wrote a letter that she wants to come to uk and try to live here , if she will like living here or not before she apply for settlement.
it is plain to see the main purpose that is why she got refused of tourist visa.
they finally gave up applying for tourist visa and waited for the divorce of the bf then applied fiance visa and now here in the UK to settle hopefully.