thank you toneec for finding time to reply on my post. We have support letters off his mum and grand dad already and i think their help for paying our OD is already indicating that we will have their support in case of emergencies such as when he got sick ( the reason why he got overdrawn) yes he has disposable income which will further increase if i be with him since the money he sends me will be use for us both. the only reason why he got OD was when he got sick. I also have a support letter off my sister who is financially able to go UK if ever i get financial crisis although me and my husband have savings we did not use them to pay off the OD as we do want to keep those savings for visa and our future and his monthly regular income will be able to maintain us both. The rest of documents i already have. so am going to be confident that this will be taken into consideration. we will clearly state in our letter that we are still able to support ourselves without recourse to public funds and that the help coming from our families are clearly an evidence that there will be need for us to recourse to public funds.