Same situation with Kenny and my husband's bank statements, it has overdrawn for 3 months for about not more tha 30pounds due to christmas and wedding expenses, but we still filed our FLR application by post last FEB 1 with no letter explaining the overdrawns, now i receive letter from them that they received already my aplication will inform me for the next step...crossing my fingers..hope everything went well...been praying the Holy Rosary for this. Kenny Goodluck...