also, do i have to re apply as a fresh visa or as an appeal to the old visa application?

yes... i am going to do that. will make sure that the bank logo is everywhere so that there is no reason to complain

is there any way to fast track the student visa?

thank you so much for your advise!

the initial reply came in 8 working days.

I had applied for the Teir 4 student visa on Sept 14, 2011. Unfortunately I have been refused my visa under the section 245ZV(c). (post reference CHENNAI/1316924) The CAS points awarded to me were 30/30, while maintenance was 0/10, stating the following reasons, a. The ICICI Bank letter you have sub...