Born2conquer:

I saw this late Sha, UK is pretty straightforward and so far you can defend your transactions with evidence, and you have a balance of like 15M that hasn't been touched in the last 28days, you will get the visa. You already have a business and they know you will come back

Saii, you know another issue was that I had issues with my cac and I never paid taxes
It was a 50-50 situation and I don’t want to taint my record with a denial that was avoidable, and the trip is not even urgent it’s genuinely leisure
Im just looking at the bright side, visited Alaba for the first time, got cheap goods and contacts.
I will try again in 6 months

Arry110:
Saii, you know another issue was that I had issues with my cac and I never paid taxes
It was a 50-50 situation and I don’t want to taint my record with a denial that was avoidable, and the trip is not even urgent it’s genuinely leisure
Im just looking at the bright side, visited Alaba for the first time, got cheap goods and contacts.
I will try again in 6 months

You can follow people's advice. But I am still 100% sure that you will get it.

You posted recently that someone completed your student visa form & you only had to make the payments (indicating a lack of knowledge and/or confidence in completing the paperwork), yet somehow you are an expert on the intricacies of how visas for leisure travel work?

Hmmm

Born2conquer:

You can follow people's advice. But I am still 100% sure that you will get it.

Newbiein2016:
You posted recently that someone completed your student visa form & you only had to make the payments (indicating a lack of knowledge and/or confidence in completing the paperwork), yet somehow you are an expert on the intricacies of how visas for leisure travel work?

Hmmm

Don't be mean. Most of us learnt how to do this from our personal experience of how seamless the process is.

Being an expert on these things doesn't require a degree in rocket science. Anyone can advice as long as you have common sense.

And most of us will never provide blanket statements such as what the OP did.

100% guarantee for an application that needs review when you are not the VO?? As long as that's posted on a public forum, where tons of gullible folks visit, it will be highlighted.

Despite my over 50 countries visit, I was here last year to get advice for a UK visa renewal & will continue to support with my knowledge, experience & expertise (including calling out problematic entries).

Thegamingorca:



Don't be mean. Most of us learnt how to do this from our personal experience of how seamless the process is.

Being an expert on these things doesn't require a degree in rocket science. Anyone can advice as long as you have common sense.

Its inconceivable that someone will spend 25 times their monthly income on 1 trip. People do it over here only when they are terminally ill(about to die)

You need to increase your monthly income . The ECO wants to see a steady inflow of money monthly (easily explained income) not irregular sums that cannot be explained.

In your next application you must show the ECO what changes you have made to improve your finances e.g I got a new job which pays significantly more than my last one or i started a successful business from which I pay myself a good salary ( heres the registration, tax records of this genuine business)

In this case I would give myself 1 year if not 2 years before re-applying.
Good luck 👍 in your next application.

sannies:
Good morning Gurus in the house, and compliment of the season.
I applied for UK Visiting Visa and I was refused. Pls advice needed on reasons for the refusal.

The decision
I have refused your application for a visit visa because I am not satisfied that you meet the
requirements of paragraph(s) V4.2-V4.6 of Appendix V because;
• You have applied to visit the UK for the purpose of visiting relatives for 21 days.
• You state you are employed with a monthly income of 242,993.58 NGN (£239.42)
with savings of 1,936,488.00 NGN (£1,908.00). I note you intend to personally spend
2,500,000.00 NGN (£2,463.22) and your monthly spending is 150,000.00 NGN
(£147.79). You intend to stay with your brother.
• In support of your application, I note your salary statements, employment documents,
bank statement from GTCO (account ending Bleep) with a closing balance of
3,478,868.39 NGN (£3,427.69) and all other relevant documents you have submitted.
• I have acknowledged that your sponsor is willing to provide adequate support for a
limited visit to the United Kingdom; however, it is your circumstances and intentions
which are paramount in assessing your application. The personal bank statements
you provided shows large cash deposits. I am not satisfied that this information
represents an accurate reflection of your personal circumstances because
your accounts show irregular deposits that are not in keeping with your stated
income. The information submitted with your application offers no insight into how
these funds were accrued. I am therefore not satisfied that you have accurately
portrayed your financial circumstances. This in turn leads me to doubt your intentions
and credibility in wanting to travel on this occasion.
• Furthermore, I note your monthly disposable income is 92,998.10 NGN (£91.63). You
therefore intend to spend more than 25 months disposable income. I am not satisfied
you would be willing to spend such a disproportionate amount of your disposable
income on such a short visit to the UK. This damages the credibility of your
application. I am not satisfied your intentions to enter the UK are genuine.
• The factors mentioned above have not been taken in isolation but considered
collectively. They damage the overall credibility of your application, leading me to
doubt your intentions in seeking to visit the UK for the limited period and purpose
stated. From the information on your application form and the documents you have
submitted, I am not satisfied that you intend to leave the United Kingdom or that you
are genuinely seeking entry as a visitor. Your application is therefore refused under
paragraph V4.2 (a) and (c).

Thanks

Newbiein2016:
You posted recently that someone completed your student visa form & you only had to make the payments (indicating a lack of knowledge and/or confidence in completing the paperwork), yet somehow you are an expert on the intricacies of how visas for leisure travel work?

Hmmm

Na me Bleep up sha

Experience is important. Not anyone, but someone with requisite knowledge on a process and has been through it several times.

Thegamingorca:



Don't be mean. Most of us learnt how to do this from our personal experience of how seamless the process is.

Being an expert on these things doesn't require a degree in rocket science. Anyone can advice as long as you have common sense.

I hope that helps.
I also would admit , that with my exposure on these things, i still come here for some recommendations from the experienced ones.

No man is indeed an island of her own, but knowledge is transient and has to be passed from those who been there and seen it through.

We will keep learning...

Thanks for your response, really appreciate it.

missjekyll:
Its inconceivable that someone will spend 25 times their monthly income on 1 trip. People do it over here only when they are terminally ill(about to die)

You need to increase your monthly income . The ECO wants to see a steady inflow of money monthly (easily explained income) not irregular sums that cannot be explained.

In your next application you must show the ECO what changes you have made to improve your finances e.g I got a new job which pays significantly more than my last one or i started a successful business from which I pay myself a good salary ( heres the registration, tax records of this genuine business)

In this case I would give myself 1 year if not 2 years before re-applying.
Good luck 👍 in your next application.

I was just refused a UK visa, is there anything else I can do?. There were no other income asides from my salaries in my Naira or Dollar accounts and I included an explanation letter stating my incoming salary transactions each month of 450,000 and 180,000. Yet I got this refusal reply:

“The decision
I have refused your application for a visit visa because I am not satisfied that you meet the requirements of paragraph(s) 4.2 of Appendix V because:
• You have applied to visit the UK for 11 days for tourism.
• In support of your application you have provided your employer letter, pay slip, bank
statements and hotel booking.
• You state you are employed and self-employed with earning monthly income of 450000.00 NGN (£391.25 exchange rate at £1 = 1,150.16 @ www.oanda.com on 27/12/2023) and with annual income of 2160000.00 NGN (£1,878.00), you declare monthly expenditure of 90000.00 NGN (£78.2501). You state your trip to the UK will cost you 2000000.00 NGN (£1,738.89).
• I note you have provided personal statement from First Bank with account ending 3762. I note that your salary reflects in your bank statement. I note other than your salary there is unexplained transactions going through the account. The origin of these fund is unknown. Therefore I am not satisfied you have sufficiently demonstrated your financial circumstance or this funds will be available for the purpose of your trip.
• I acknowledge you have provided your personal bank statement in support of your application. However, the information provided that not demonstrate level of income your business generates or the level of income the business receives. I am therefore not satisfied that you have demonstrated your own personal circumstances or that they meet the requirements of entry clearance as a visitor.
• I note you have provided personal statement in USD from First Bank with account ending 8945. There are several unexplained transactions going through the account. The origin of these funds are unknown. Therefore I am not satisfied you have sufficiently demonstrated your financial circumstance or this funds will be available for the purpose of your trip.
• You also state in your visa application that you have savings of £9243.35. The information you have provided does not demonstrate the source of these funds and I am not satisfied that they are available to you.
• The documents you have provided do not demonstrate you hold any, assets or property in your country of residence. Nor, have not demonstrated strong family, social or economic ties to your country of residence which would satisfy me that you intend to leave the United Kingdom on completion of a short visit. On the evidence before me,
OFFICIAL-SENSITIVE

OFFICIAL-SENSITIVE
and the balance of probabilities, I am not satisfied that you have accurately presented your circumstances or intentions in wishing to enter the UK.
• Given the above I am therefore not satisfied that you have demonstrated your circumstances are as declared, which leads me to doubt your intentions in travelling to the UK. I am not satisfied that you are genuinely seeking entry for a purpose that is permitted under the visitor route and that you will leave the UK at the end of your visit. Your application is therefore refused under paragraph V 4.2 (a) and (c) of the immigration rules.

Pls I need help
I booked flight through my bank Royal air maroc, when I was filling the information middle name was added to the form now they sent ticket confirmation receipt I only saw first and last name no middle name. Is it an issue because middle name is on my passport and also I got a spousal visa hope It allow to buy one way ticket ?

BiyiTudors:
I was just refused a UK visa, is there anything else I can do?. There were no other income asides from my salaries in my Naira or Dollar accounts and I included an explanation letter stating my incoming salary transactions each month of 450,000 and 180,000. Yet I got this refusal reply:

“The decision
I have refused your application for a visit visa because I am not satisfied that you meet the requirements of paragraph(s) 4.2 of Appendix V because:
• You have applied to visit the UK for 11 days for tourism.
• In support of your application you have provided your employer letter, pay slip, bank
statements and hotel booking.
• You state you are employed and self-employed with earning monthly income of 450000.00 NGN (£391.25 exchange rate at £1 = 1,150.16 @ www.oanda.com on 27/12/2023) and with annual income of 2160000.00 NGN (£1,878.00), you declare monthly expenditure of 90000.00 NGN (£78.2501). You state your trip to the UK will cost you 2000000.00 NGN (£1,738.89).
• I note you have provided personal statement from First Bank with account ending 3762. I note that your salary reflects in your bank statement. I note other than your salary there is unexplained transactions going through the account. The origin of these fund is unknown. Therefore I am not satisfied you have sufficiently demonstrated your financial circumstance or this funds will be available for the purpose of your trip.
• I acknowledge you have provided your personal bank statement in support of your application. However, the information provided that not demonstrate level of income your business generates or the level of income the business receives. I am therefore not satisfied that you have demonstrated your own personal circumstances or that they meet the requirements of entry clearance as a visitor.
• I note you have provided personal statement in USD from First Bank with account ending 8945. There are several unexplained transactions going through the account. The origin of these funds are unknown. Therefore I am not satisfied you have sufficiently demonstrated your financial circumstance or this funds will be available for the purpose of your trip.
• You also state in your visa application that you have savings of £9243.35. The information you have provided does not demonstrate the source of these funds and I am not satisfied that they are available to you.
• The documents you have provided do not demonstrate you hold any, assets or property in your country of residence. Nor, have not demonstrated strong family, social or economic ties to your country of residence which would satisfy me that you intend to leave the United Kingdom on completion of a short visit. On the evidence before me,
OFFICIAL-SENSITIVE

OFFICIAL-SENSITIVE
and the balance of probabilities, I am not satisfied that you have accurately presented your circumstances or intentions in wishing to enter the UK.
• Given the above I am therefore not satisfied that you have demonstrated your circumstances are as declared, which leads me to doubt your intentions in travelling to the UK. I am not satisfied that you are genuinely seeking entry for a purpose that is permitted under the visitor route and that you will leave the UK at the end of your visit. Your application is therefore refused under paragraph V 4.2 (a) and (c) of the immigration rules.

Sorry about the refusal. Your multiple sources of income confused the case worker. They find it hard to understand why you have a regular job and a side hustle.

Next time, please stick to one source of income - preferably your 8 to 5 job. Also, keep your account clean and devoid of transactions that cannot be traced to your job.

I hope this helps.

Not an issue

I book Qatar airways sometimes with my middle name and sometimes without and I've never been refused to board. That's my experience, others may be different.

Beautynm1:
Pls I need help
I booked flight through my bank Royal air maroc, when I was filling the information middle name was added to the form now they sent ticket confirmation receipt I only saw first and last name no middle name. Is it an issue because middle name is on my passport and also I got a spousal visa hope It allow to buy one way ticket ?

sannies:
Good morning Gurus in the house, and compliment of the season.
I applied for UK Visiting Visa and I was refused. Pls advice needed on reasons for the refusal.

The decision
I have refused your application for a visit visa because I am not satisfied that you meet the
requirements of paragraph(s) V4.2-V4.6 of Appendix V because;
• You have applied to visit the UK for the purpose of visiting relatives for 21 days.
• You state you are employed with a monthly income of 242,993.58 NGN (£239.42)
with savings of 1,936,488.00 NGN (£1,908.00). I note you intend to personally spend
2,500,000.00 NGN (£2,463.22) and your monthly spending is 150,000.00 NGN
(£147.79). You intend to stay with your brother.
• In support of your application, I note your salary statements, employment documents,
bank statement from GTCO (account ending Bleep) with a closing balance of
3,478,868.39 NGN (£3,427.69) and all other relevant documents you have submitted.
• I have acknowledged that your sponsor is willing to provide adequate support for a
limited visit to the United Kingdom; however, it is your circumstances and intentions
which are paramount in assessing your application. The personal bank statements
you provided shows large cash deposits. I am not satisfied that this information
represents an accurate reflection of your personal circumstances because
your accounts show irregular deposits that are not in keeping with your stated
income. The information submitted with your application offers no insight into how
these funds were accrued. I am therefore not satisfied that you have accurately
portrayed your financial circumstances. This in turn leads me to doubt your intentions
and credibility in wanting to travel on this occasion.
• Furthermore, I note your monthly disposable income is 92,998.10 NGN (£91.63). You
therefore intend to spend more than 25 months disposable income. I am not satisfied
you would be willing to spend such a disproportionate amount of your disposable
income on such a short visit to the UK. This damages the credibility of your
application. I am not satisfied your intentions to enter the UK are genuine.
• The factors mentioned above have not been taken in isolation but considered
collectively. They damage the overall credibility of your application, leading me to
doubt your intentions in seeking to visit the UK for the limited period and purpose
stated. From the information on your application form and the documents you have
submitted, I am not satisfied that you intend to leave the United Kingdom or that you
are genuinely seeking entry as a visitor. Your application is therefore refused under
paragraph V4.2 (a) and (c).

Thanks

Sorry about the refusal.

Your disposable income too low. That is the major issue. I don't see anything else wrong...

Build up your savings over a year or two and try again. Alternatively, your brother can offer to sponsor you 100%. That is usually dicey when you are young and have a regular income. The expectation is for you to sponsor yourself.

Perharps others can help.

Beautynm1:
Pls I need help
I booked flight through my bank Royal air maroc, when I was filling the information middle name was added to the form now they sent ticket confirmation receipt I only saw first and last name no middle name. Is it an issue because middle name is on my passport and also I got a spousal visa hope It allow to buy one way ticket ?

Shouldn't be an issue. Most people don't use their middle name. You can call the airline to confirm.

Cashmadam:


Shouldn't be an issue. Most people don't use their middle name. You can call the airline to confirm.

Okay thanks

That’s what is most interesting.

All my income is 2 transactions monthly; both salaries.

All my expense is 70 - 90k monthly
Then the rest goes into my RiseVest Investment account. That’s literally all that happens on the account and it was declared in the explanation letter. The Dollar gets an interest of less than one dollar a month, no other income. That’s why it’s surprising to see all the comments, almost like they ignored the explanation completely, I have been to over 14 countries in the last one year including France and the Netherlands.

Cashmadam:


Sorry about the refusal. Your multiple sources of income confused the case worker. They find it hard to understand why you have a regular job and a side hustle.

Next time, please stick to one source of income - preferably your 8 to 5 job. Also, keep your account clean and devoid of transactions that cannot be traced to your job.

I hope this helps.

Another insightful analysis, God bless you.

Cashmadam:


Sorry about the refusal.

Your disposable income too low. That is the major issue. I don't see anything else wrong...

Build up your savings over a year or two and try again. Alternatively, your brother can offer to sponsor you 100%. That is usually dicey when you are young and have a regular income. The expectation is for you to sponsor yourself.

Perharps others can help.

sannies:
Good morning Gurus in the house, and compliment of the season.
I applied for UK Visiting Visa and I was refused. Pls advice needed on reasons for the refusal.

The decision
I have refused your application for a visit visa because I am not satisfied that you meet the
requirements of paragraph(s) V4.2-V4.6 of Appendix V because;
• You have applied to visit the UK for the purpose of visiting relatives for 21 days.
• You state you are employed with a monthly income of 242,993.58 NGN (£239.42)
with savings of 1,936,488.00 NGN (£1,908.00). I note you intend to personally spend
2,500,000.00 NGN (£2,463.22) and your monthly spending is 150,000.00 NGN
(£147.79). You intend to stay with your brother.
• In support of your application, I note your salary statements, employment documents,
bank statement from GTCO (account ending Bleep) with a closing balance of
3,478,868.39 NGN (£3,427.69) and all other relevant documents you have submitted.
• I have acknowledged that your sponsor is willing to provide adequate support for a
limited visit to the United Kingdom; however, it is your circumstances and intentions
which are paramount in assessing your application. The personal bank statements
you provided shows large cash deposits. I am not satisfied that this information
represents an accurate reflection of your personal circumstances because
your accounts show irregular deposits that are not in keeping with your stated
income. The information submitted with your application offers no insight into how
these funds were accrued. I am therefore not satisfied that you have accurately
portrayed your financial circumstances. This in turn leads me to doubt your intentions
and credibility in wanting to travel on this occasion.
• Furthermore, I note your monthly disposable income is 92,998.10 NGN (£91.63). You
therefore intend to spend more than 25 months disposable income. I am not satisfied
you would be willing to spend such a disproportionate amount of your disposable
income on such a short visit to the UK. This damages the credibility of your
application. I am not satisfied your intentions to enter the UK are genuine.
• The factors mentioned above have not been taken in isolation but considered
collectively. They damage the overall credibility of your application, leading me to
doubt your intentions in seeking to visit the UK for the limited period and purpose
stated. From the information on your application form and the documents you have
submitted, I am not satisfied that you intend to leave the United Kingdom or that you
are genuinely seeking entry as a visitor. Your application is therefore refused under
paragraph V4.2 (a) and (c).

Thanks

Your budget should be 2months of your disposable income.i.e income minus expenses. Anything outide this is likely to be refused.

Good morning house I am a first timer here, I have used the link for applying to the US previously so i decided to check for a UK Victor's visa link. The US link helped so I am sure I will get the help I need here . I applied in 2021 for myself and 3 of my kids my son is a US citizen and didn't need to apply however he was mentioned as travelling with us. We were denied because I made alot of errors in application. On the individual budget instead of splitting cost for each person on their application I wrote the total cost for 5 of us on individual application. I was the sole sponsor with 6m bank balance and other investments. My husband was to sponsor but at the time of application he didn't have money in his account so I was sole sponsor on application. We were denied because I had huge sums of money going in and out of my account I tried to explain in a cover letter. Long and short we were denied. All this story is just to give a back ground information. I observed the ECO raises issues on opening balance, your monthly expenses in account vs disclosed in the form, your inflows(avoid any huge credits), ur disposal income, your intended expense for trip. It's alot.
Please I need advise on how to do the budget for a family of 5. I will sponsor myself my husband will sponsor the kids. How much will b reasonable as bank balance for submission, can a savings account be submitted 4 the sponsor , do we need to provide explanation for the inflows( sponsor not applying he has a 2 years visa running)
Will a budget of 2.5m per person for 10days be ok? I will also like to hear from successful applicants.
Thank you so much expectant to get advise from any one who can help.

Thanks for your input, but what do you mean by the bolded

Poanan:

Your budget should be 2months of your disposable income.i.e income minus expenses. Anything outide this is likely to be refused.

sannies:
Thanks for your input, but what do you mean by the bolded

Income minus expenses is yoir disposable income

Good day Gurus in the house. Please I need clarification on a little issue.

I am trying to apply for a tourist visa for my wife. It will be her first time. Is it okay if I do the 2 years visa or I should stick to the 6months visa. Someone had told me for first timers they wont issue more than 6 months hence my decision to confirm this here.

Appreciate your responses.

Help please
My student visa bio standard was on 5th December I received empty nsf on 6th till on 22nd I received a mail saying I need to attend online interview on 28th of December by 3:30pm Nigeria time
By 3 :07 I logged in till 8pm no one join to interview me.
I sent them mail 3 times as I was waiting and they only reply me with auto mail.
29th I made a paid mail, by 5pm I receive a mail saying my mail has be excalated and a new interview date will be rescheduled in the next 15th working day💔💔who has similar experience and how many day till I can get a rescheduled interview date? My school resume 29th January 2024

I have heard of people who got a 2yr visa on first try but they had extensive travel history to western countries.

If this is her first time, with little or no travel history, don't risk it. Go for the 6months visa.

Additionally, note that visa issuance is indeed at the discretion of the VO, so you might pay for 2yrs & get 6months (and no refund will be issued).

AnthonyAnderson:
Good day Gurus in the house. Please I need clarification on a little issue.

I am trying to apply for a tourist visa for my wife. It will be her first time. Is it okay if I do the 2 years visa or I should stick to the 6months visa. Someone had told me for first timers they wont issue more than 6 months hence my decision to confirm this here.

Appreciate your responses.

Well understood, thanks

Poanan:

Income minus expenses is yoir disposable income

Unfortunately, it seems you might need to wait things out as there's no way to fast track the application now.

Hopefully you'll get a new date soon.

You could give your school a headsup (incase you need an extension and/or if they can contact UKVI from their side).

Gm88:
Help please
My student visa bio standard was on 5th December I received empty nsf on 6th till on 22nd I received a mail saying I need to attend online interview on 28th of December by 3:30pm Nigeria time
By 3 :07 I logged in till 8pm no one join to interview me.
I sent them mail 3 times as I was waiting and they only reply me with auto mail.
29th I made a paid mail, by 5pm I receive a mail saying my mail has be excalated and a new interview date will be rescheduled in the next 15th working day💔💔who has similar experience and how many day till I can get a rescheduled interview date? My school resume 29th January 2024

AnthonyAnderson:
Good day Gurus in the house. Please I need clarification on a little issue.

I am trying to apply for a tourist visa for my wife. It will be her first time. Is it okay if I do the 2 years visa or I should stick to the 6months visa. Someone had told me for first timers they wont issue more than 6 months hence my decision to confirm this here.

Appreciate your responses.

You can get 2 years visa as a first timer. Very possible. Go ahead if you can risk the money involved.

Nnekkyneks:
Good morning house I am a first timer here, I have used the link for applying to the US previously so i decided to check for a UK Victor's visa link. The US link helped so I am sure I will get the help I need here . I applied in 2021 for myself and 3 of my kids my son is a US citizen and didn't need to apply however he was mentioned as travelling with us. We were denied because I made alot of errors in application. On the individual budget instead of splitting cost for each person on their application I wrote the total cost for 5 of us on individual application. I was the sole sponsor with 6m bank balance and other investments. My husband was to sponsor but at the time of application he didn't have money in his account so I was sole sponsor on application. We were denied because I had huge sums of money going in and out of my account I tried to explain in a cover letter. Long and short we were denied. All this story is just to give a back ground information. I observed the ECO raises issues on opening balance, your monthly expenses in account vs disclosed in the form, your inflows(avoid any huge credits), ur disposal income, your intended expense for trip. It's alot.
Please I need advise on how to do the budget for a family of 5. I will sponsor myself my husband will sponsor the kids. How much will b reasonable as bank balance for submission, can a savings account be submitted 4 the sponsor , do we need to provide explanation for the inflows( sponsor not applying he has a 2 years visa running)
Will a budget of 2.5m per person for 10days be ok? I will also like to hear from successful applicants.
Thank you so much expectant to get advise from any one who can help.

2.5M is fine. You don't need that much per person if accomodation and feeding will be provided by family or friends. Maybe about 2M each.

You can sponsor yourself and your children if you have the money and your statement of account is more straightforward. When my children were younger, I sponsored them because my husband is a businessman while I have a good 8 to 5 job. There is no rule. Either of you can sponsor the children. Just ensure you can explain any money that reflects in your account and you don't have any huge deposit that might appear as "account padding".

Good luck!

HAPPY NEW YEAR FAM

Happy new year, May this new year bring us a lots of joy and happiness to all of us.
@cashmadam, Giselle237, @newbiein2016 @cbn4main and other gurus in the house.

Kindly assist as i'm applying for my mother and she has lost her husband many years ago, on the application what marriage status can i select?

Also she is 59 years old, A tailor back home and i also send money to her monthly, shes not in any paid employment, when i checked the online application i can only see options of employed, self employed, student, retired and unemployed, please which option can i choose, she had her shop but not registered on CAC no tax payment. but i can provide shop agreement, pictures of her working on the shop, membership id card and her account transaction carries description of cloths

kindly assist with the question and i'm yet to move forward.

Thank you.,

Cashmadam:


Sorry about the refusal. Your multiple sources of income confused the case worker. They find it hard to understand why you have a regular job and a side hustle.

Next time, please stick to one source of income - preferably your 8 to 5 job. Also, keep your account clean and devoid of transactions that cannot be traced to your job.

I hope this helps.

Another red flag:
Despite earning 2160000 naira a year, the OP intends to spend 2000000 on this vacation trip. This indicates that he intends to use all of his annual income for a vacation trip that is not going to benefit him financially.
 
@biyitudors