I was recently refused twice for a Tier 4 student visa. In the first application, my step-father had provided all the required documents for proof of money. However, our connection was doubted and, therefore, I had no proof of funds. In the second, my mother had provided savings accounts as proof of funds; the university had looked through it all and provided me with a second CAS. Again, this was refused, on the grounds that apparently 6-8 of the accounts have already been used for another UK tier 4 visa. This makes no sense considering that this was my mother and the money was in savings account for my benefit. We did not use an agent and as far as my research shows, the bank is not on the list of untrusted banks.
I understand there can be an administrative review, but what are my chances of succeeding? If I were to apply again for next academic year, will my chances be hurt by these refusals?