Hi firstly let me assure you that you are not been discriminated against. The ECO has very kindly written to you and given you a second chance to provide the documents they could have rejected it outright and you would have had to pay again.
That said as a family member of someone who is going through the process right now I do understand how stressful it is very and if you are facing this alone it is daunting at best.
You need to provide the following
You
Six months of bank statements if you have a bank account
six months of payslips if you are employed
biometrics data
passport photo
passport
Partner (or sponsor)
six months of bank statements
six months of pay slips
letter from his employer or his work contract should suffice
Accommodation although you provided a letter from your inlaws you also need to provide either a tenancy agreement, mortgage document or land registry document to prove they either own or rent the property and that it wont be overcrowded if you join them there.
Marriage or CP certificate.
Your hubby's british passport
All these or required.
Your hubby or partner should send a letter saying he is sponsoring your application as well.
You could also write a cover letter explaining anything that isn't clear to the ECO's.
Also but not necessary you could send a few photo's and emails and letters if you have been apart a long time after you have married or CP.
Hope this helps love pads, this forum is a great resource and I have never met a nicer bunch of guys and girls happy to help, and keep the pain of this process to a minimum.
Good luck with your application keep us informed love pads x
