I submitted my ILR application before my visa expired but yesterday they sent it back saying the bank refused payment. At first I thought there was a fraud marker on my account as we have been travelling and the bank did this 3 times, but now I see that a payment came out after we transferred money onto the credit card (to cover the fee) making us £19 short. Very unlucky.
I phoned yesterday and they said resubmit with a covering letter explaining what happened. But today having phoned again to be sure, they said I was now illegally in the country as it is past my expiry date and I can't work and I need an immigration lawyer. The letter sent to me with my invalid application didn't mention anything other than sending it back again, but is this because they assumed it was before the expiry date?
Please help, I've done *almost* everything by the book for this, will this affect my chances of being granted ILR? What now? I've sent it back already with a covering letter as that is what I was told yesterday.
Any advice please?
(For history - I was on an unmarried visa but am now married).
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