Thank you very much Grace. Yes, I'm from Mindanao. I will stay in Protacio St. Corner Recto Pasay. When I went to the British Embassy last december I rode a jeepney with a signboard landmark from Libertad. How far is the VFS office from the embassy? Did your husband made a letter of explanation why is it that he has an overdraft on his account? The immigration consultant said that the application cannot be refused because your sponsor is using an authorised overdraft. It means that it has an incoming amount to his account and he starts to lessen his overdraft. Don't worry you will get your visa soon. Are you applying for a spouse visa also?