Hi Wendy,
Unfortunately, the primary issue holding you back would appear to be income. Immigration rules state that foreigners cannot have recourse to public funds - it's stipulated on the visa itself. That means that your hubby wouldn't be entitled to any benefits whilst living in the UK. If you yourself haven't got a job and are claiming state benefits then they will refuse you outright on the basis that you won't be able to support him and yourself financially. A person doesn't need a N.I number to get a job, you can apply for an N.I number as long as you have evidence that you're actively seeking work (i.e rejection letters for submitted applications etc.)....if you have friends or family with businesses etc. then that can be useful. I don't mean to be negative or to dampen your hopes, but, even if you were to secure your husband a job offer before he gets here (which isn't easy and you'd need to evidence with a formal offer of employment) they can still decline your application as they're not always satisfied that it's genuine etc. I don't know of anybody unemployed or without substantial financial assets that has got their husband here - money is such a massive decider in their decision-making. I'm sure I've read that if the wife is claiming certain benefits (e.g. jobseekers allowance) then the application will be refused irrespective of whether the husband has a job offer or not. I would really discourage you from throwing more money at the embassy (at over £500 a time it's too damn expensive!) without obtaining advice from the immigration advisory service for example. (
www.iasuk.org/) If your situation doesn't change then they are just going to refuse you every time, and happily take your cash for no work at all.
I'm sorry that you are both being kept apart and hope that you get your happy ending x