I applied for ILR (SET-M) on the 14th of this month and got a letter from them 2 days later that it had been received and they'll contact me if there were any problems. I assumed all was well until I spoke with my bank two days ago and they told me they have declined a payment from the Home Office on the 16th

For the UKBA however, I understand they will invalidate my application and send the documents back to me. The problem I have is that my visa expired on the 28th and I have still not had the documents back to reapply. I called thier 0870 number, but they were no help at all.
If anyone has been in this situation before, is there an alternative means of making the payment before they send everything back to me to start again, please?
Again, as my visa has now expired, where do I stand in all of this?
Any help will be very much appreciated.
thanks you all.