I agree that Brad's plan appears workable - I only re-iterate that we have already been down that onerous route without success because at the end of the day the Home Office just turned round and said "we are not convinced that you will make the maintenance funds you have set aside (in a separate account) available to the applicant".

Bear in mind the impossibility of proving something you will do in the future and the fact that whatever objection the Home Office comes up with you have absolutely no right of appeal or even to an explanation of how they arrive at their conclusions