I'd like to share my experience.

I must say that it is important to get to this forum every now and then (which I didn't) as I have been busy taking wallpapers off, sanding the wall, filling it, sanding and painting (whew! I can be novice builder) to the houses that we let out and now that we live in.

Well, I got there 30 minutes late. I didn't realize that my appointment was for 9AM, I kept thinking it was 10 and needed to be there 930am. Though they sent me text and email saying it is at 9am. We stayed at Premier Inn.. it's a new Inn for 25quid. It is 5 minutes walk away from Solihull train station. And the PEO was 1 minute walk away.
Even though we got there late, they still accommodated us. (husband and very chatty 16 months old son)
THankfully they didn't turn us away. BUT told us that decision cannot be made on the same day, and will try to work on it within 7 days as they are understaff.. looks like this is s.o.p. now for PEO.

Observations:
The lady who was very nice that took my application was very polite.
I saw her checking the months/dates on bank statements and alternating the months. At least one month gap in between as we didn't have all the bank statements. Results from moving houses.
I've noticed that both spouses statements must coincide.

I know and Mark knows that I'm here on the grounds of no recourse to public funds..
Well, here's the story...
When I gave birth to Ace, the midwife told me to sign the forms for child benefits since I am not working. Even though I told her that I'm on no recourse to public funds. She said it was not for me it was for my son and since I'm not working it will be of help. WRONG MOVE.. and stupid mistake..plus I haven't been in the forum like I used to. Busy mummy and builder. We still got the money though.. in Ace's account. I put the money in his bank accounts plus any monies I get from selling my things I don't need on ebay. Just in case the uni fees will be 20,000 by the time he gets to that age of going to uni.

FORTUNATELY, the UKBA caseworker was very helpful. She said to contact the child benefits by writing or phone. Advised me to ask the child benefits to stop the payments immediately to me and to pay the monies back.. OR to let Mark claim for child benefits. And once its done, they (UKBA) asks for the confirmation letter of who gets the payments and their feedback.

They still took my application, biometrics and of course the ILR fee and that I need to send the letter of confirmation from child benefits in 7 days (goodluck to me).

I already made a phone call to hmrc child benefits and I was told that their head office will get back to me in 7 days.

.... looks like my ILR application is on the edge.