Applied for Family Visit but refused under V4.2(a) and (c)

You have been refused three times in the last three months, it's called 'serial refusals' and it signals that a change of strategy is in order.

The refusal notice indicates that you appear to be having difficulty in meeting the requirements of Appendix FM (i.e., to qualify as a spouse) so you would circumvent this by using the visitor programme and then go underground once you are in the UK (Appendix V 4.2 (a)+(c)).

The government has it in mind that people without proficiency in English have difficulty interacting with society and hence have difficulty in finding work and hence end up on welfare and hence the British public has become disturbingly annoyed. Advocacy groups have challenged the Appendix FM in the courts, in particular the English language hurdle, and they have uniformly lost. They don't even bring cases any more.

What has your husband been doing about this? Has he visited you in (I assume, a South Asian locale, likely India) to maintain family relations? Is he getting you in to the proper English language schools? It looks like he has never tried sponsoring you for a spousal. It's real clear he has not provided you with the sort of legal counsel you need, why not?

It doesn't cut any ice to assure them that you will return home after your visit, and assurances like that make for a particularly weak application anyway. Why should you return home?

NOTE: you do not have to answer these in a protracted comment thread. They are rhetorical questions that would go down in the decision-makers mind as demonstrating some sort of authenticity.

The bottom line is that it's time to stop making fresh applications every month and consider a longer-term strategy like meeting the language requirement and any other hurdles that Appendix FM presents. Without some incredibly heavy legal expertise you are done with the visitor programme for quite some time.