I emailed them with the subject "Visa Refusal Concern" my email was me asking for explanations about confusing statements in the refusal letter, about "settlement application", "did not submit evidences". It was practically a request for clarifications rather than appeal. We knew that we're not allowed to appeal but it was more like a complaint letter saying they ignored some of my documents that should be taken into consideration. At the end of my email, I even said that once they've explained why they said some of the things that I think seemed wrong, then I will move on and accept the decision whole heartedly.

I cant appeal because I applied for Family Visit Visa already. I would probably re-apply after they've explained fully the "most confusing letter" I have ever read.