Hi, I was very worried about getting our spousal visa due to our curcumstances, we went in person to the NY office.
My only income at the time was full social benefits for my son and myself. My husband had not worked for 6 months due to an accident, though we were not asked why he hadn't worked for so long. We only had 2500 in savings. What we did to make our case look a bit better was to print out some example jobs that my husband would be applying for at
www.jobcentreplus.gov.uk and put these with his CV and his previous job refs. Along with this i had a hand written letter from my mother saying she would financially help us until we were on our feet, to support this we took a couple of her bank statements, this didn't require the bank to agree to anything. (my mum is defiantly not well off)
On top of this there were issues with our housing. I was in a homeless housing scheme and they would not give permission for my husband to live with me in advance. I took my tenancy agreement to NY to show that i lived in a flat that was big enough to accomadate my husband (even though it clearly stated that only my son and myself were allowed to live there) and took a back up letter from my mother saying that we could stay there if there were any problems once my husband had arrived in the UK, as it turned out i didn't need the housing letter from my mother.
The whole thing turned out to be a breeze, they spent about 3 minutes looking at the form and papers, questioned nothing and didn't even want to see all the letters and cards etc lol. Infact the longest part of the whole process was waiting to pay.
I don't have any answers but hope this helps you feel a bit better about things.
Just a thought, but could you get a letter of support from your mother in law and back that up with papers from the sale of her house showing that she does have some money?
Good luck and all the best
Jules