Yes the only reason they refused my visa is that fiance's statements were overdrawn and that they conclude that he cannot afford to support a wife and will recource to public funds.
WE did not include any evidence of savings; only his pay slips. This is our biggest mistake

At the moment his savings accumulated to a grand. is this not enough??? he has 3 accounts; current, savings and business account, but still the total is not close to 2 grand. We still need to accumulate it.
The embassy noted that 30 occassions wherein my fiance exceeded the agreed overdraft of 150 pounds. We sumbitted 8 months statements.
We did include a monthly budget showing the amount left (100+ pounds) after outgoings such as mortgage, gas, electricity, water, Council tax, mobile etc.. showing he can support me without recourse to public funds but still they didnt consider.