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What is the reason you were out of the country for 103 days?
If you are not married to a British citizen, you must satisfy the Home Office that you were not absent from the UK for more than either:
Discretion should be exercised for absences of 100 days or less. For absences between 100-180 days, discretion may be exercised by the caseworker, taking into consideration your family, employment and whether you have established your home in the UK.
You should also prepare a covering letter and explain the reason for the absences. Given that this was for Covid - this is a valid reason and discretion can be exercised from the Home Office.
It should be fine here
You can apply now based on discretion grounds and with a covering letter.
Yes you can provide this to them