Upvote:4
You seem to have misunderstood. The refusal says
I have refused your visa application... because I am not satisfied that you meet all of the requirements of paragraphs 245ZO, 3207D and 320 8A of the Immigration Rules.
That doesn't say that you failed all three tests. It just says that you didn't pass them all (you passed two out of three), so you didn't get the visa.