justwise:


How much did you budget for the trip?

Beezus:


i wrote 1,400 pounds. if i want to reapply, how much do u thnk if i put as my budget will make me stand more chances?
Also d commission aspect, will they consider that if i mention it under d part they ask if i have any other addition income? or where do u think i should include it?

justwise:


You did not mention how you earn in a month to be able to spend that much in a few week in the UK

molly14:




My take home is 59k, hubby 177k, however, allowances are about 1.6m paid as two times ayear asides other allowances.
Totalling 4.5m per year. For d whole package.

@justwise, I attached d refusal letter early, mayb u can see it, f ts not too much trouble to go thru later post

Beezus:


salary is 108k. i mentioned in the additional information section that i receive commissions as well although it varies. actually i thot the question meant how much i could afford to spend for the trip

justwise:


That is the issue here, you both earn 236K combined in a month, that is about £700, that aside...who pays the allowance?

justwise:


Then to spend £1,400 in few weeks on that salary is just over the top, that did not help your application at all

kaverd:
@Justwise,
i have a problem,i applied for a uk visit visa this year and was refused entry into the country.now when i was filling out the forms i used my step fathers name and details when filling the forms though i explained why i did that on the form..but i have my biological fathers name on my passport because i used my birth certificate for it.truth be told i do not know my fathers DOB and hometown.so i want to ask if i can use my

Uv biological fathers name and assume his DOB and hometown or i should always use my step fathers when applying again and if i will not worry me much in future applications..and if the UKBA saves data about applicants or whether this is important..

Your advice is greatly need..Thanks and counting on your usual correspondence.God bless you

OGreene:
Wait?

I suppose the 48hr notice should be Friday morning. So if I don't call the hotel by Friday morning to cancel or make changes, I stand a huge chance of being penalized by them charging the whole fee 165k. Haaaaa, it's much ooo.

molly14:



Hubby's employers. Doesn't the total sum for the year count on the long run? The allowances r still ur earnings n u get them as part of ur income

kaverd:
@Justwise,
i have a problem,i applied for a uk visit visa this year and was refused entry into the country.now when i was filling out the forms i used my step fathers name and details when filling the forms though i explained why i did that on the form..but i have my biological fathers name on my passport because i used my birth certificate for it.truth be told i do not know my fathers DOB and hometown.so i want to ask if i can use my biological fathers name and assume his DOB and hometown or i should always use my step fathers when applying again and if i will not worry me much in future applications..and if the UKBA saves data about applicants or whether this is important..

Your advice is greatly need..Thanks and counting on your usual correspondence.God bless you

askari01:


My opinion is that you should change the date if you can but Don't cancel reservation, Do that as you are reading my mail now now, They would have treated your application and I am sure By now your application is on its way to the pickup center, It will end in praises .

OGreene:
Gracias! You really are thinking what am thinking. It's the 9th working day and 13th day after submission. They must be rounding up and wud hv checked d hotel part. I called d hotel yesterday to move d date, dey said I shud call again this morning.

askari01:


Its better to move date ahead than to cancel, Save you from 165k lose. Just make sure you are the first caller this morning ... Those Oyinbo people cn play head games ehn..It will end in praises .

justwise:


They focus on your own salary and not necessarily that of your husband, you will find it difficult to explain the issue of allowance because the difference between your hubby's salary and allowances is huge

justwise:


They focus on your own salary and not necessarily that of your husband, you will find it difficult to explain the issue of allowance because the difference between your hubby's salary and allowances is huge

molly14:

Missdodo:
Dear Molly14,

Justwise and co have done a good job in answering your questions but i'm going to restate what has been said but maybe in a 'simpler' grammar:

1. There is a guidance for visa issuance that the ECO follows and this guidance contains different templates for refusal based on various reasons such as travel history, economic circumstance, home ties, source of funds e.t.c. that's why sometimes, it appears like a case has not been individually assessed ...

2. The ECO is watching out for 3 major things and in no particular order they are: A) Travel History - This shows your level of compliance with immigration laws in other countries. The idea is most probably that if you have a track record of compliance, then you will return home. B) Amount available for the trip - As stated by Justwise et al, each application is assessed on its own merit. Your available cash (not savings account or fixed deposit) to the ECO is what you can access on the go without having to go through a process. i'm guessing from my banking knowledge that having a current or checking account reduces your risk profile and increases your credit rating and as such the ECO may be more likely to focus on your current account where you have submitted both current and savings. Bottom line is they don't want you partaking in UK tax payers money. C) Source of income - The ECO must somehow be convinced that your source of income is so reliable/steady that you have no need to remain in the UK. Its not enough to just earn a salary, it must be a 'decent' salary. So getting N75k monthly is not a bad thing, it only becomes a problem when 75k is all you receive (from all sources) and you naturally have expenses. you need to deduct your expense from your income for you to access your own chances of success for a UK visa.

3. Always remember that you need to convince the ECO about your 'thriving' circumstances in Nigeria. Always always attach documents.

molly14:



Thank u so much.

molly14:


Thank u, I don't know f u saw the refusal letter I posted. The ECO stated that he saw all the earnings from my husband but howvere some money in his "statements" are more. He assumed that of all the 4 statements we submitted, 3 is for my husband and was wondering how he had other accounts wit money like that, but my husband submitted only 1 statement, the remaing 3 are for me and our baby. On his own letter, the ECO wrote I note that u submitted a number of personal statement, which is false he submitted 1, on my own he said I note that u submitted "A STATEMENT" that has 56k, false again, I submitted 2 statements, the 1 with 56k is my salary account, the other is my savings account that I have built up over time and has 1.1m in t, besides this, we explained all the source of the money in that my savings account on the cover letter and additional info and added proof of the money. The ECO just assumed that the whole 3 statement is for my husband. I don't know if u now understand the picture.

Missdodo:
Dear Molly14,

Justwise and co have done a good job in answering your questions but i'm going to restate what has been said but maybe in a 'simpler' grammar:

1. There is a guidance for visa issuance that the ECO follows and this guidance contains different templates for refusal based on various reasons such as travel history, economic circumstance, home ties, source of funds e.t.c. that's why sometimes, it appears like a case has not been individually assessed ...

2. The ECO is watching out for 3 major things and in no particular order they are: A) Travel History - This shows your level of compliance with immigration laws in other countries. The idea is most probably that if you have a track record of compliance, then you will return home. B) Amount available for the trip - As stated by Justwise et al, each application is assessed on its own merit. Your available cash (not savings account or fixed deposit) to the ECO is what you can access on the go without having to go through a process. i'm guessing from my banking knowledge that having a current or checking account reduces your risk profile and increases your credit rating and as such the ECO may be more likely to focus on your current account where you have submitted both current and savings. Bottom line is they don't want you partaking in UK tax payers money. C) Source of income - The ECO must somehow be convinced that your source of income is so reliable/steady that you have no need to remain in the UK. Its not enough to just earn a salary, it must be a 'decent' salary. So getting N75k monthly is not a bad thing, it only becomes a problem when 75k is all you receive (from all sources) and you naturally have expenses. you need to deduct your expense from your income for you to access your own chances of success for a UK visa.

3. Always remember that you need to convince the ECO about your 'thriving' circumstances in Nigeria. Always always attach documents.

Ralphlauren:


you should never have submitted the 53k current bank statement in the first place. thats less than £160!!!! it would have been a different issue if you had say 300k in your current account and say 700k in your savings

you should have kept your application simple by either relying on your husband statements or transferring your funds from the savings account to your current account.

ArikeGZ:
Good morning all.

Please I am new to this thread but from the information I have scanned through I want to commend you all for setting up this platform to guide people like me. Please @Justwise and all the good contributors and pple of the thread, I am in urgent need of help and guidance for my aunty.
My aunty applied for a tourist visa in May and was denied. the reasons given are stated below

1.You are a first time visitor in the Uk and stated that the purpose of your trip is to visit your cousin. However ur application does not provide any evidence to suggest that you are related as claimed or of any contact between you.lack of such evidence leads me to doubt you are a genuine sponsor.
2. You have indicated that you are a teacher with ..... earning .... You have submitted photocopies of Bank Statement and letter from a cooperative (...)indicating that you received large deposit of N1m into your acct. while these are photocopies of the original there is the possibility that during the copying process changes may have been made, such as to amend names, addresses and dates.Consequently in the absence of original documents, these copied documents that you have submitted are of little evidential value. I am therefore not convinced that you have satisfactorily evidenced ur earnings and financial circumstances.
3.The above circumstances undermine the overall credibility of the application to the extent that d balance of probability I am not satisfied that your circumstances are as ..........

Please note that she submitted payslips, bank statement and letter from her cooperative and the state govt where she teaches. All these were original copies.

Please how does she respond to this. she want to submit the application today/tmrw to enable her do biometrics on monday.

I appreciate ur advise n contributions in advance.

justwise:


Why were you refused the first application?

molly14:



Too bad my mistake, thnk u. I just tot since ts my salary account and I submitted payslips, they might want to see d account the money is going into. Cos I remember I read smwhr on this forum whr sm1 said they submitted payslips n but the ECO said they didn't see d payments on d payslips in d account or smtin like dt.
Well ts a lesson 4 next time. I really tot I had t rightt.

FrontPageLawyer:
Good day Justwise and Fellow Gurus.

My company has been invited by a UK engineering company for pre-inspection of equipment which we acquired for a university here in Nigeria under a Government contract.

The documents I have available are as follows:

(1) Invitation letter
(2) Marriage certificate
(3) Children birth certificates
(4) Wedding photographs
(5) Evidence of business activities
(6) Certificate of incorporation
(7) Company tax clearance certificate
( Personal Income Tax card.
(9) Statements of account for the last 6 months. (company)
(10) Hotel reservation.
(11) Explanatory details of how the trip will be beneficial to us.

Because my personal statement of account has only 400k. I have decided not to include it, but use the company's account for the trip. Please advise.

Thank you for your time and assistance.