Hi, me and my husband would like to apply for permanent residency this oct and will take our tests in 2 weeks time, and would like to use premium service. I have a few concern regarding this:

1. Home office lost our passports few years ago and we had to make new passports and have our visa re-stamp. I am a bit concern because I have friends who were in the same condition and got rejected because they couldn't prove that they were in UK on those gap periods between their old passports and new passports. we are on work permit status, maybe letter from employer would help?
or is there any suggestion that might help me prove?

2. if we use premium service, because it is only for straightforward case, there is a chance that because of our lost passport might make our case a bit complicated and not straightforward, but maybe there is. but still, there is a chance it could need further queries. if that happens, does that means I would lose £1120 fees? or it means i have to wait 6 months like normal procedure? if so, that means I spent more £250 for nothing?

appreciate all of the replies