across - I most definitely did not say that it
will be refused, I said that there is a
very strong chance that it would be refused. I never say yes or no either way, I can't possibly know as I am not the one who stamps the visa. But it is my job to look at the worst case scenario, and knowing ECO's as I do (you should see this morning's refusal from New York that I have to get overturned

) it is essential to be pessimistic.
Moonfaery - £3k in savings would make all the difference in the world. If you get wedding presents from family in the form of cold hard cash and the people who gave you the presents write letters to say that they are presents not loans, then the odds change dramatically in your favour.
I also like the idea of working your @rse of for the next three months and applying later.
If you do all this, a likely refusal turns into a likely approval!
Vicky