I was fixed on the point that the 2) Reference Letter did not include whether the job was full or part time. That is such a critical point, especially without an employment contract that would include that information, it really leaves a huge gaping hole for the VO to jump into. That is why I was thinking you should request a new ref letter from that 2nd employer. If you can include a new letter and pay stubs or similar documents to show payment from that employer, you may be able to get away without the contract. With 66 points you cannot apply, so I think you will have to either improve your IELTS score, if you aren't already at 16, or get an air tight reference letter including ALL essential information.