Upvote:9
Let's get something straight from the beginning... This is a horrible refusal notice. I'm actually embarrassed just looking at it. The formulae is bizarre and doesn't show up anywhere in the operations manual. This immediately raises the question of authenticity.
User 'Relaxed' (to whom thanks) asks if a third-party handled the application (like a travel agent or lawyer or visa specialist). If so, there's a really good chance your gf has been scammed. Or she is scamming you. I would treat both alternatives as possibilities in the first instance.
To find out for certain, she should send the refusal notice along with a strenuous complaint to UKVI's head office (Lunar House, 40 Wellesley Rd, Croydon CR9 2BY, United Kingdom) with a copy to the Home Secretary (2 Marsham St, London SW1P 4DF, United Kingdom). The complaint should explain that the refusal notice is gibberish and hence she cannot understand it (there's no such thing as V 4.3 (a)/(b)/(c) for example, so how is she supposed to know what to do? the last sentence of paragraph two is an egregious non-sequitur). They will confirm that you are being scammed OR draft you a proper notice. As a sponsor, you can also show the notice to your MP's caseworker (nothing will come of it, but they will send you a letter making you feel better).
Bottom line: Scam. That's my answer at the moment. In the case that your gf's refusal is in fact a UKVI product (which is too horrible to even think about), you can come back and ask a new question or revise this question and ping the people who left comments.