Just received this email from our agent about savings not being efficient and a past underage drinking charge I had when I was 18 years old.
"I had a similar situation in Australia a few months ago. We ended up withdrawing the original application and reapplied (see attached explanation letter). They lost the application fee and had to pay us extra to re-do their application."
Almost at the same time after reading this. I broke down into tears and and almost accepted my horrible fate. AND GOT A PHONE CALL! The UKBA saying that my Visa and my Daughters Visa has been issued! And we will recieve them in a couple of days.
This is just advice for anyone reading this thread... Agents that promise they will get your application done a less stressful way. YOU DON'T need them they will just cause you more stress and cost more money!
Applied online 5/11/2011
Biometric appointment: 5/13/2011
Supporting documents sent: 5/16/2011
Recieved by NY UKBA: 5/17/2011
Email of process: 5/18/2011 at 9:30AM.. Didn't receive it myself until 3:00PM
Phone call visa issued: 5/18/2011
All together it took less than 24 hours to process our application.
7 days from time of application.

And to think we almost withdrew our application and paid 2 times for something that would have been totally unessacary.. This guy was a crock, and we learned our lesson to trust an agent or third party visa company!
Good luck to everyone still waiting.