they ran out of time to submit the documents ( financial requirements) , they didnt meet the deadline for the appeal..they didnt get immigration lawyer straight away after the refusal and he said the cost is too expensive....can i ask if all your documents has been sent back to you including your passport ?? some of my friends important original documents were missing upon return.
dont go back home and make sure you get a good immigration lawyer for this. i think the ukba has made a mistake with their decision , it wasnt his fault that his visa expires because of waiting for the flr...they submitted the application before the new rules came out , so they are still under the old rules about the financial.