As I said before, you don't get points from "English + maintenance funds". you must satisfy these two conditions before computing the points and thus you don't get 20 points for these conditions:
This is not true: " 10 For speaking English (doing the Baruch masters proves this)
Sorry but you mis understand the point based system. to be eligible you should have:
- 75 points ( Age (20 points for < 28), Education (master 35 points) , UK exprience (5points), ..)
& english + maintenance funds ( 2800 pounds)
so in the example you gave, you only have 55 in the first...