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Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 10:48pm On Sep 12 |
Sorry about the refusal. From this response, I think I can see some of the issues with your application. You quoted a monthly income of ₦1,350,000, but you submitted a bank statement with only ₦6,000,000 in it. Even with your declared investment (₦1,800,000) and savings (£563, which is approximately ₦1,200,000), this brings the total amount of money you have available to approximately ₦9,000,000. But your budget for the trip is 4 million naira, which is almost half of your entire life savings and investment. This can be a big red flag to some ECOs. I believe the main issue with your application is your current finances do not seem commensurate with the level of income you declared. Earning ₦1,350,000 monthly but having only ₦9,000,000 available implies that you already have a high level of expenditure, which is what I think the ECO was getting at. With all that said, I believe you can work to reduce the amount you intend to spend on the trip. Since you have accommodation sorted, try to limit your total spend to 3 million, at the maximum. Flight alone will be half of that, but if you are only going for a week, the balance should be enough for feeding, transportation, etc. Better still, you could wait till you have more money saved up. At your income level, it shouldn't take too long to have something like 12 million plus in the bank. That, alongside a clean account and a reduced budget, will give you a much better chance at getting the visa. Obidikejr: |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 7:24am On Jun 06 |
crackcrack: UPDATE So I got really great advice from people when I tabled this issue a few days ago. I passed through Border Force yesterday and thought to share my experience with the thread, in case anyone might be in the same situation in the future. This is the transcript between me and the Border Force Officer at Heathrow. He was a middle-aged British-Indian man. Me: Good evening. (Handed him my passport). BFO: Good evening, sir. He takes my fingerprints. BFO: Where are you coming from? Me: Nigeria. BFO: What are you in the UK for? Me: A short holiday. BFO: How long will you be here? Me: Just a week. BFO: What's your profession back in Nigeria? I told him my job title and the kind of company I work for. BFO: Do you own the company? Me: No. I'm just an employee. BFO: What's the name of the company? I told him. BFO: Will you be going back to resume work for the company? Me: Yes, I will. BFO: Where will you be staying? Did you book a hotel? Me: Yes, I booked a hotel. Because he specifically asked if I booked a hotel, I thought he was going to ask to see the reservation. So I immediately told him I would be staying in the hotel for a few days and then visiting with a friend. He didn't ask anything about my friend or ask to see the reservation. BFO: Do you have a return ticket? Me: Yes, I do. BFO: Can I see it? I give him the return ticket printout. BFO: What date are you going back to Nigeria? I thought this was a trick question because he was literally holding my ticket and could see the date. Anyways, I tell him the return date. He then hands me back my ticket and stamps my passport. BFO: Enjoy your time in the UK. Me: Thank you. Overall, it was a very pleasant experience. The whole thing felt like a brief chat with a friend. Like many people said on the thread, Border Force knows that plans can and do change. So even if you have to tweak things a bit from your visa application, it should be fine, as long as you are genuinely a tourist and you have no intention of overstaying. Thanks to everyone that gives advice on this thread. 4 Likes |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 9:09am On May 29 |
giselle237: Great advice. Thank you so much. |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 8:47am On May 29 |
giselle237: Thank you so much, giselle. This makes a lot of sense. 1 Like |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 8:30am On May 29 |
Good morning, guys. I am having a dilemma, and I need URGENT advice, please. My trip is in a few days, and I have already booked a hotel room for my entire stay. I haven't paid yet; I will be paying at the property. I informed my friend that I will be visiting, and he suggested I come stay at his place, which is a few hours away from London. The plan is for me to spend just a few nights in my London hotel and spend the rest of my trip at his house. My issue is I did not mention this friend on my application because I was not planning on staying with him. I fully intended to stay in the hotel, but his offer came up, and I thought it might be nice to spend some time with him. I am thinking of changing my hotel booking to just the first few days, but I am worried that if I show up at Heathrow will a hotel reservation that doesn't cover the whole trip, it might pose an issue with Border officials. The most important thing to me is to not get harassed or bothered at the point of entry. But I also don't want to have to pay for a hotel when I have an offer to stay with somebody for free. How can I navigate this? Please advise. Thanks. 1 Like |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 11:37am On May 10 |
GraceofGod100: If you read my comment and the first thing that jumped at you was that I am judgmental, then I'm afraid you are not ready for the journey you and your husband are planning to embark on. You have to put emotions aside and look at things critically. I already told you that whether it was intentional or not does not matter, and that is a fact. Another fact is you have a 10-year ban. That's not going to change. What may change, though, is your husband's situation. I have given my opinion on how to go about it. Maybe others can chime in as well. |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 11:29am On May 10 |
AchosDaboss: No, your brother should not send money to your account. It will be seen as money lodgment, meant to inflate your account balance and make it seem like you have money that you actually don't have. This is the number one red flag in any visa application. Your brother should send you his bank statement, and you should upload that with your application. He should also send you documents that prove his legal stay in the UK and also the nature of his source(s) of income. You should also attach your own bank statement, along with your employment letters, pay slips, leave letter, et al. You should note, however, that it is your own circumstances that the visa officer will use to decide whether to grant a visa or not. Having a sponsor is all well and good, but if the visa officer is not convinced that you can afford the trip by yourself, they will probably deny the visa. 1 Like |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 11:20am On May 10 |
GraceofGod100: This is something that can only be confirmed by your husband applying. No one here can tell you matter-of-factly. One thing to note is that while filling the application for any UK Visa, your husband will be asked if he has ever been denied a visa, and why. He will have to declare this refusal and explain that it was because his wife used a fake COS. This will most likely set off alarm bells in the head of any visa officer. You have established yourself as a deceiver. Whether it was intentional or not does not matter. And your husband, by association, cannot escape that stigma. Even if he was not given a 10-year ban, any subsequent applications will be looked at with a fine-tooth comb. I reckon a visit visa will be the most difficult to get. A study or work visa, which is what you say he's thinking of, might be easier, but he will still be thoroughly screened. That is if he has not been given that 10-year ban, in which case the denial will be automatic. If you guys are willing to take the financial (and emotional) risk of finding out if that ban is in effect, then you can apply. The way I see it, you don't exactly have much to lose, except adding another refusal to your record. Or another ban, if you choose to deceive again. |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 9:32am On May 01 |
Naijagram: I’m not 100% sure, but I believe embassy officials can only verify if the statement you submitted was a real document. By law, your bank cannot disclose your account balance to anyone, except for things like court warrants, EFCC investigations and the likes. I believe you can remove the money without any issues, but to be on a safer side, I’d advise you to just wait until a decision is made. It shouldn’t take more than two weeks. But if it’s truly an emergency and you don’t have any other options, you should be fine if you remove the money. |
Travel / Re: Canada Visit/tourist Visa Discussion. by crackcrack: 12:31pm On Apr 30 |
trollx: Actually, it concerns every one of us when Nigerians run away on visit visas. Countries have made it very difficult for Nigerians to get simple visas because abusers who promised to come back home after their visit turned around and claimed asylum. Even worse is the fact that nearly all of those asylum claims are bogus, and most of them end up being denied and deported. I actually don't care what anyone does with their life. Go and get stuck in Canada. Freeze to death in the colds of Toronto. Line up in a queue of 1,000+ people to get a simple job as a sales attendant. None of it is my business. What I care about is to not be harassed by immigration officials because of the bad reputation of my countrymen. I don't want to be faced with unnecessary scrutiny just because I am a Nigerian. I don't want a situation where they are deciding the visa application of other people within two weeks, but mine will take two years simply because I'm Nigerian. It's funny how when there is news of some country banning Nigerian travelers, people like you will be the first to call for the government's head. But here you are vehemently defending those who ruin our collective reputation and make us unwelcome in many countries. 5 Likes 2 Shares |
Travel / Re: Canada Visit/tourist Visa Discussion. by crackcrack: 8:26pm On Apr 29 |
I have never understood how many Nigerians think. You are planning to do something you don't know much about, and people with first-hand experience are telling you all the ways it could go wrong. Instead of listening and perhaps making tweaks to your plans, you declare the advisers to be 'bad belle' and hurl insults at them. Even with ample data and evidence that you're on a path with very limited chances of success, you take a deep dive — hook, line, and sinker — and hope for the best. The average Nigerian always thinks his case will be different. I'm sure our overly-religious nature contributes to this way of thinking. "Me, I will find mercy." "God will work a miracle for me." "Where many have failed, I shall succeed." LOL. I don't think there's any point in arguing with people who want to embark on a journey that will most likely lead to catastrophe. We are all adults, and people should be free to lay their beds however they want to — as long as they lie on it without complaining. 6 Likes |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 8:04pm On Apr 18 |
Osivao: While this sounds fishy, I’m giving you the benefit of the doubt. If the father passed away, and you have the death certificate, attach it to the application. Given that this seems rather convenient for you, I would advise you add other things to prove the father has actually died. Try to add obituaries, tributes, photocopy of the funeral program, and photos from the funeral. All of this should be in addition to the death certificate. The goal is to avoid making it look like you’ve declared a hale and hearty man dead just to further your cause. 1 Like |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 3:04pm On Apr 12 |
Visa Alert! Six Months Standard Visa Timeline: Online Application: April 1 Biometrics: April 3 Collection Email: April 9 Received my passport today. The entire process was so quick. It literally took only four working days after biometrics to receive a collection email from TLS. Would have gotten my passport since Tuesday if not for the holidays. Thank you to all who took time to answer my questions, especially Cashmadam, TheGamingorca and giselle237. 4 Likes |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 9:50pm On Apr 10 |
Nnekkyneks: Working on reducing your budget is all well and good, but if the total cost of the trip to you and your husband is still a significant portion of both your savings, your visa will most likely be denied. My initial statement above stands; it will not make sense to any ECO for you to spend a major part of your savings on a vacation. This is my advice: 1. Determine the total amount you and your husband have combined. This is the closing balance in your statement plus his own. 2. Make sure your budget for the trip is not more than 50% of that combined amount. From what you've written above, you intend to spend 1m, while your husband will provide the rest. That means he has to provide 11.4m. Your husband's closing balance should therefore be at least 21m. 3. If you guys' finances is not up to par, I would suggest you travel alone and use the kids as home ties. And if the kids must holiday with you, then perhaps go to a different country — one that is cheaper and with less stringent visa processes. 1 Like |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 7:01pm On Apr 10 |
Nnekkyneks: I want to make sure I’m understanding you correctly. Your budget for the trip is 14m. Your husband has 10.3m in his account, and you have about 3.7m. That makes a total of 14m in both your accounts. Please correct me if I’m wrong, but that’s what I got from your write-up. If the above is the case, I would advise you to abort mission completely. Your closing balance cannot be the exact amount you intend to spend on your trip. What money will you spend when you come back? Why is it so important for you to spend both you and your husband’s entire life savings on a vacation to the UK? Note that these are questions the ECO will ask, so don’t think I’m picking on you. A general rule of thumb is to have at least double your trip budget as your closing balance. While nothing is impossible, I believe it would be extremely hard for your visa to be approved with your current realities. 2 Likes |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 4:04pm On Apr 09 |
Hi guys! Does everyone receive a Decision Made email from UKVI? I have just received a collection email from TLS, but I got no communication from UKVI regarding a decision on my application. I checked my Spam/Junk folder — nothing. I am surprised at the speed with which the application has been processed. I applied last Monday, did biometrics on Wednesday, and now my passport is ready. Less than a week since biometrics. And it was a standard application — no priority service. I opted for courier, and I'm guessing due to the holidays, DHL will probably deliver it on Friday, at the earliest. I am beyond nervous. LOL. |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 10:33pm On Apr 07 |
Bigkenny: Official processing time is 15 working days — about three weeks. Most decisions come within two weeks. Did you apply recently? |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 7:54pm On Mar 29 |
Since you have 9m in your salary account, I’m guessing you have paperwork (like pay slips) that corresponds to how that money was accumulated. If so, my advice would be to use the salary account alone in your application and completely leave out the savings account. Depending on how long you are planning to spend on your trip, you should be able to put together a reasonable budget that could comfortably come out of the 9 million in your account. Adding the savings account would open you up to unnecessary scrutiny, and like you already said, you don’t have a paper trail as to how you got the money. Don’t cause unnecessary headache for yourself in the process of trying to show you have more than 9 million. In your case, I believe less is more. Jolene474: 2 Likes |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 1:23pm On Mar 22 |
So if someone is applying with their salary account, is it the closing balance that is to be written there as savings? Thegamingorca: |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 12:55pm On Mar 22 |
Hi guys. After imputing monthly salary, the next part of the application says “Do you have another income or any savings?” Am I to input the balance in my salary account as savings? I have only one bank account which I’m going to be using for the application. Or should I select “I do not have any other income or savings”? The phrasing of that question is weird. |
Travel / Re: Canada Visit/tourist Visa Discussion. by crackcrack: 6:52am On Mar 15 |
I don't think we should turn this thread into a beer parlor where we would be arguing over religious beliefs. However, I must say that some religious folks are the most delusional and hopelessly out-of-touch people on the planet. For every one religious person who prayed and fasted to receive some type of positive news, there are countless others who did the same thing and had their hopes and dreams crushed. What then shall we say? Does God not love them? Did his ears stop working when those ones prayed? Are you holier than they are? We all know visa applications involve some degree of luck. For some religious people, they consider that luck to be God's favor, and they have the right to believe what they believe. But don't come to the thread and be implying that someone didn't get a visa because they did not follow whatever morals you choose to live by. Don't advise people, whether directly or indirectly, that they can break all the rules and guidelines and then pray and fast their way into a miracle. If we are on a visa application thread — and we are — let's stick to sharing ideas and opinions that are solely rooted in reality. 3 Likes |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 6:37pm On Mar 12 |
Thegamingorca: Thanks for your response. I don’t exactly understand what you mean by “you'll be in for a rude awakening when the time difference between when you started your current job that pays you and now cannot be able to account for that sum of money.” I’ve been working for the same company for five years, and I’ve been in my current position for about a year. I have no lump sums or additional credits to my account except my salary. So I don’t think the ECO should have any issues with my finances or how the money was accumulated. I’m more worried I’ll get denied over ties to Nigeria. Given all this, do you think my employment is sufficient home/economic ties? Thank you. |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 1:22pm On Mar 12 |
Hi everyone. I am about to start my application, and I need some suggestions on home times. I’m single, and I earn relatively well, with an okay bank statement (about 11m). I don’t own any properties except my car. In my opinion, the only proof of home times I currently have is my employment and somewhat decent financial situation. What else do you suggest I could use to show the ECO I have every intention of coming back? I’m thinking of getting a letter from my church to say that I’m a worker, and that I’ll be coming back to the church. But I don’t know if that will help at all. In the last 10 years, I’ve been to about 8 countries, including the US. But I don’t know if that will help in lieu of strong home ties. Any suggestions? |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 6:29pm On Sep 27, 2023 |
Hey guys. Could someone please help with suggestions for my situation below? I’m planning to apply for a visa about six months from now. I’m trying to build my account and want to make it as clean as possible. The only credit to my account is my salary. I earn relatively well, and have very few expenses. I have about 800k disposable income that’s left every month from my salary. The issue is, the Naira keeps losing value. I want to be converting my disposable income to dollars and keeping it in my dom account instead of saving in Naira. I have a BDC person that I can send the Naira to, and he will credit my dom account with the dollar equivalent. But I’m worried about how to explain this to an ECO when it’s time to apply for the visa. Basically, there will be a huge debit to my salary account (to the BDC) and then a huge credit to my dom account (from BDC). I’m scared that an ECO will not understand this and might deny my visa for unexplainable transactions that are different from my stated salary and expenditure. Any suggestions? Should I try to get the BDC to issue me receipts for every Naira debit and dollar credit? Will that be sufficient? The alternative is to leave all my disposable income in the salary account, but who knows how much value the money would have lost six months from now? |
Travel / Re: General UK Visa Enquiries - Part 5 by crackcrack: 1:40pm On Jun 21, 2023 |
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Politics / . by crackcrack: 11:07am On Dec 10, 2019 |
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Travel / Re: Canadian Student Visa Thread Part 16 by crackcrack: 8:06pm On Aug 28, 2019 |
Aaron321: Actually, frequent acts of fraud lead to increased processing times because they have to scrutinize every document submitted by other Nigerians to ensure they are legit. Whenever you do something wrong, the repercussions don't necessarily stop with you. 5 Likes |
Travel / Re: Canadian Student Visa Thread Part 16 by crackcrack: 6:40pm On Aug 28, 2019 |
holart92: I am not an expert, but let me ask you the obvious question: Did you use a fraudulent bank statement? If you didn't, you have nothing to be scared of. Just respond to the email and try to get Zenith bank to send your statement directly to the embassy. You can ask the bank to send the statement to the email that the embassy provided. Also ask the bank to CC you in the email. If you do this, all should be fine. If you did submit a fraudulent statement, you will be banned for five years. You won't be put in jail, but you might have difficulty in entering Canada or any other first world country in the future. |
Travel / Re: Canadian Student Visa Thread Part 16 by crackcrack: 1:37pm On Aug 26, 2019 |
makano: Actually, only few June applicants are left. IRCC seems to have responded to most guys. It's just sad that the responses were negative for the most part. You are probably right though. There seems to be something wrong with applying in June/July for September resumption. |
Travel / Re: Canadian Student Visa Thread Part 16 by crackcrack: 12:44pm On Aug 26, 2019 |
sterlingwaterlo: Sorry about this. I think I am beginning to believe that quota gist. It seems they were ready to send you a medical request and then they changed their mind probably due to the quota. These Canada folks are seriously messed up. 1 Like |
Travel / Re: Canadian Student Visa Thread Part 16 by crackcrack: 11:57am On Aug 26, 2019 |
Is there anyone who applied online in July and is yet to receive a response? It seems like most July applicants who have been responded to were paper applicants. |
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