Good morning people.

my standard visitor visa application was recently refused on account of my inability to provide evidence for certain lodgements in my account.
now I can provide evidence for some of these lodgements but not all of them.

I want to re-apply using a sponsor as I feel trying to send some evidence may not suffice (since some of the payments were loans to friends, and services rendered and as such there was no paper evidence for these, hence not easily defendable).

please I want to know if this will hurt my chances of getting the visa this time around. Also, I have an exam in Manchester 30/03/16 and just have to get it right this time around.

P-l-e-a-s-e, help a guy in need!!