If I apply for my ILR exactly 28 days to my visa expiration, I will not need to do the English test. Anything less than that then, I will have to do it because we will have reached 28/10/2013. HO Says that one should apply less than 28 days to visa expiry.

Question: If I apply on the 28th day to my visa expiry, will home HO refuse my application based on that.? Looking forward to your response. Thank you.