We had a O-A retirement visa and it required other things also we had insurance from retirement that also took a little longer.. At the time they were so busy they just took longer to respond if there were issues, the only way we found out about the issue was to call, probably spent 40 hours on hold over the course of 3 weeks... 9 days delay because they didn't tell us we could not use joint money even though there was 5 times the monthly amount needed... Wife must have own account with own money and 6 days over the insurance issue..