thanks for all the advice on here, Myself and my fiance from America recently applied for her fiance visa to come to the Uk, we submitted statements and financial records from myself as we don't have any savings to provide evidence of income, my fiance received a call from the ECO telling here we should have been refused as she hadn't submitted various things such as photos of us, had she ever visited my self? and we had only £95. We had submitted all the information and it was all in clear plastic wallets in a binder!! including travel receipts and photos phone records, The £95 was from the first bank statement when the account was opened.
We have last week faxed new cover letters trying to politely ask that the information is read and mentioned the various thing that were already submitted, and submitted new statements and couple of other things. We are now hoping that they do read our application. Although after faxing the info my fiance called to confirm they had received it and the lady she spoke to less than 2 days before denied all knowledge of the conversation she had with her.
Can't say we are very confident, but I don't know what we can do if they refuse to read any of it.