So basically the process (we think) is likely to be :-
1) Completeness check to ensure:
a) All forms are included
b) There are no blanks or missing fields and all forms are signed
c) All supporting documentation required by CIO checklist and VO checklist has been supplied
d) Correct amount of funds have been provided
2) If 1) is ok, charge CC/BD, otherwise send back entire file
3) If 2) is cleared ok, then eligibility review to ensure 67 points etc, otherwise send back entire file
4) If 3) is ok then send AOR and transfer file to visa office for background checks, otherwise send back file and initiate a refund
So those of us who have been charged CC or BD cashed, means we are probably all currently under the eligibility review.
No idea how long this is likely to take, but since they do not have to do any verification of the authenticity of the documents (this is done by visa office) really shouldn't involve much more than adding up points to ensure you have 67 etc.
Wayne.