Okay, I'm back home now, so can answer properly.
In regards to cover letters, there are two letters you can include. One is mandatory (the sponsor's letter) and the other is optional (the documents cover letter).
The sponsor letter should include the following:
Paragraph 1: your eligibility to be a sponsor (UK citizenship)
Paragraph 2: your employment information and which financial category you are applying under
Paragraph 3: where you will live in the UK (address and property details)
Paragraph 4: a very short history of the relationship (where/when you met, where/when you got engaged and married, how you communicate with each other/how often you see each other, and reasons for choosing to settle in the UK
The documents cover letter should be something like:
To The Entry Clearance Officer,
Please find enclosed my application forms and supporting documents for a settlement visa to join my spouse in the UK. I would like my visa to start on X date, as per the Intended Travel Date on my online application.
On December 6th 2017, I was refused a spousal settlement visa due to having incomplete financial documents. I have now rectified this and am including all of the required documents.
The following documents are included in this package:
(list of documents)
Yours Faithfully,
Your Name._________________________________________________
________________________
In regards to the documents that need to be included, you should have:
Applicant - I assume she will submit all these at her VAC appointment
- Her actual passport
- All her previous passports
- a recent passport photo
- printed online application
- Appendix 2 form
- IHS surcharge receipt/number
- English Language test results if required
- TB test results (you mentioned before that she is from Georgia and people from Georgia do need a TB test for the visa:
https://www.gov.uk/tb-test-visa/countries-where-you-need-a-tb-test-to-enter-the-uk)
Sponsor- copy of the bio page of your UK passport
- your letter of support for the visa (as above)
Finances - assuming Category A
- 6 full months of original payslips showing at least £1,550 on each one... the latest dated no more than 28 days before the online application date
- 6 full months of original bank statements showing the deposit of every single payslip... the latest dated no more than 28 days before the online application date
- Letter from employer dated within 28 days of the online application date, confirming ALL of the following:
i) employment and current salary
ii) length of employment
iii) length of time earning current salary
iv) type of employment
- original job contract
- latest P60
Extra:
Letter from their accountant (explaining the human error they made on payslips by choosing "paid bycheque rather than paid by banktransfer")
Accommodation- current tenancy agreement
- letter from your landlord giving the applicant permission to live in the property
Relationship
- marriage certificate
- 2 photos of you together
- any and all divorce decrees if either of you have been married before
- all your flight tickets or boarding passes
- any cards/letters sent to each other
- a selection of online communication screenshots, maybe 2 per month from the last 2 years, pasted in a list on 1-2 sheets of paper per communication type