Thanks imagine & lastlid, appreciate ur sentiments.
I'm fairly well clued up on what I need to do, was just updating & giving the ECO's reasons for refusal....& venting my spleen... but good advice never hurts.

I think some of the ECO's were thinking & acting with the new rules in mind tbh, despite the fact some of us got applications in BEFORE 9th JUly. That said, this particular one doesn't appear to be aware of the old rules let alone new ones! Some of his reasons for refusal are contrary to the rules & have left a lovely young couple devastated. I really feel for anyone going through this.

Have a good day all...& best of luck to anyone awaiting decisions.