kuchikau:
...

There are one thousand and one persons with kuchikau as ID.
Get your guess right next time.

Sandrakegs:
Good day people,

I found out after I submitted my visa application (renewal) that I made a mistake.... I answered NO to the question 'have u ever been issued a visa in the last 10 years' although I have all the supporting documents to show that I have... it's just a silly mistake and I've been beating myself up about it.... does anyone think it's a good reason for refusal?

diamondsare4eva:
It's not a problem. if you had answered NO to question of if you have been refused in the past, that would have been an issue to be concerned about. They will know that was a mistake.....Don't even think about it because its not a reason to refuse an application.

justwise:


I understand that but when you are budging for a trip to the UK or other countries you use their currency, that helps you to get it as accurate as possible.

The embassy uses that website to convert naira to £ because you are going to spend in pound and that is the only way to calculate the actual cost to you.

The a and b question... they asked you those two questions because they know that their answers are different, if they are the same then there is no point asking you the same question x2.

If the cost of this trip is £1000 then you are not leaving Nigeria with £1000 because that is suicidal.


The question asked you..how much will this trip cost you and how much do you have with you?

Newmum0615:
@Justwise, please does not mean that if I state for example that my the cost is £1,000, then I should put an amount higher than that as money available to me? If I have over £5k as savings, do I put that as money available to me for the trip or do I just put a mark up on the 1k I stated is the cost of my trip?

Newmum0615:
Good evening all, I would like to get clearance on some issues, my husband, son and I recently applied for a UK visa for my graduation from a UK school, We included all relevant docs as listed below:
1. Introduction letter from both our employers, confirmation letters, promotion letters
2. Tax and pay slips, bank statements with abt 2.9m
3. Fixed deposits certificates of 6.450m
4. Other personal savings of N1.350m
5 Our son birth certificate, marriage certificate
6. Share certificates.
I earn 362k a month while my husband earns 601k. We were planning on staying 11days and we had already booked our accommodation. However we were refused a visit visa for reasons ranging from that we did not have enuf funds to cater for our trip to the fact that my husband's acct was inflated. The ECO did not acknowledge that we had fixed deposits but only stated that the balance in our staff accts were not sufficient. My husband had abt 1.6m in his staff acct because he was paid a profit sharing bonus of abt the same amount some days before we applied. The ECO stated that the acct was inflated even after we made reference to the sum in our application and his cover note. Before that he was also paid 820k upfront allowance and he moved that to another account we presented to them and explained source of the funds. The ECO also said that the acct was inflated. For me, he said that I didn't not have the £700 I claimed was my living expenses during my stay. My hubby was taking care of my hotel and flight ticket, but the ECO calculated that I would not be able to afford hotel bill forgetting that my husband had already included that in his own expenses. As if we are going to pay for hotel individually. My own savings runs to about 4.4m. I provided certificates for my fixed deposit as well as that of my hubby who had almost 6m in savings. We explained all these in our application and our cover letters yet we were refused. I would like to know if the embassy does not recognize fixed deposits as savings or investment? Do they expect me to keep my funds lying idle in my acc or was the ECO just plain negligent? They also didn't return some important docs when they returned our passports. Should we apply again and state our case? Cos I don't want them to have their assumptions on record. I have travelled to the UK several times. Please advise me. Thanks.

justwise:


You mentioned a lot of large figures in your post but what i want to know is..how much do you people have in salary and savings accounts presented to the embassy?

ifyalways:
Newmum, too many accounts submitted between you and hubby,Imo. I think the ECO concentrate on salary account which is EASY to be verified/ trace source of funds.

90,000 ngn as closing balance on salary account ain't good enough.

Newmum0615:
For me, I earn N362k. I have in total N4.420m in fixed deposits. I had just about 90k left in my salary acct. I am a banker and I rarely leave my salary lying in our staff acct. I always move more than half of it once I am paid to increase my deposit amount. My husband earns 601k and had N1.6m in his salary acct, N1.040m in our joint acct, and N2.750m in his fixed deposit. Making a total of N5.3m amongst other little cash lying around in his acct. So together we had almost 10m but the ECO never referred to the fixed deposits in his refusal notes.

Newmum0615:
If that is the case, then I don't think it is right for them to ask if I have other sources of savings and investments. Cos I don't know how they expect me to leave all my savings in a salary account. I am banker. We usually do not do that. I stand to be corrected.

justwise:


I understand that all that but did you liquidate that money before visa application?

ifyalways:

Point is: Your salary account which is the EASIEST to verify it's source had VERY LITTLE funds.

The difference between the funds in your salary account ( which is easy to trace) and your other accounts (with little or no source) is alarmingly high.

If you had a landed property, other personal businesses and added that as other source of income, it would have been better as there would be rent receipts, business registration docs, receipts etc to back that up.

Newmum0615:
All the funds in the other savings came from our salaries. We don't have any other sources of income apart from our monthly salary. We have had all these savings for a long time. Over one year. If we had started consolidating all of them into our salary account, wouldn't they have also said it was money lodgment? That is why we submitted statements of other accts so that they will see where the money goes to. I really don't understand how these guys think.

Newmum0615:
All the funds in the other savings came from our salaries. We don't have any other sources of income apart from our monthly salary. We have had all these savings for a long time. [/b]Over one year[b]. If we had started consolidating all of them into our salary account, wouldn't they have also said it was money lodgment? That is why we submitted statements of other accts so that they will see where the money goes to. I really don't understand how these guys think.

ifyalways:

I agree with your last sentence : none of us here can tell exactly what the ECO's want or look out for sometimes.
[/b]Do you have appeal rights?[b] If yes, maybe you should appeal or ask for review and add a cover letter explaining every account/ money inflow in detail

Newmum0615:
No, we did not.The deposits were supposed to mature 2 weeks after we made our application, so we didn't bother. A trail of the bookings was evident in the statements we submitted. We just submitted the FD certificates.

askari01:


How much tax did u pay? It's not really about just paying any amount as Tax, The tax paid must commensurate with ur income.

Mikeadedi2:
@askari01 I paid my tax for d duration of 3 years at a strenght,# 7,500 for each year. I contacted a tax officer who did that for me.

worry359:


Very good reason for refusal!!
Get off your bottom and contact them very soon.

phardey:
@ Just wise

My mum's application has been not been a straightforward one.
She applied for 6 months Visit visa

She used to visit before but stopped in 2010 when I moved back to Nigeria. She used to apply with my Dad in Dubai. She was never rejected once neither did she overstay for once. I'm sponsoring her trip to the UK. She's a caterer in Nigeria. She included information of her business and all in the application. she has a registered business and pays her tax. 3 days to appointment date, a client paid N200,000 into her account using a valid narration for the deposit. She printed off this statement with the money paid in. She submitted my 6 months current account statement, 6 months savings account statement, 6 months payslip, Talk Talk utility bill, tenancy agreement, passport bio page, spouse visa page, hubby british passport bio data page

1st April: Submitted online
14th April: Appointment booked(She had so many commitments in Lagos and Ondo, she she thought 14th would be idle)
14th April: She went for her bio-metrics
14th April: Application sent to Sheffield Email
18th April: Application received in Sheffield Email
18th April: I got a call from Sheffield asking me about me and all. I answered all questions correctly
22nd April: Got an Email stating Application is not straightforward and they cannot conclude her application within the time frame given
29th April: She got a call from Sheffield asking to confirm if she works for the owner of the business or its her personal business. She said its her personal business and she has 6 staff who works under her. They asked her if they could verify her business name registration at CAC. She answered Yes since she's the Director of the company.
2nd May: Decision email came in from Sheffield and after a few hours Decision email from TLS arrived.

No further communication has been received from TLS.
Tomorrow will be 6th May. Can she go to TLS to ask for her passport?

Also, Do you see any signs she may be rejected?

justwise:


Give it end of this week, still a bit too early to worry.

You can only know the outcome after picking up the package. No need making an assumption now which may turn out to be false.

Mikeadedi2:
@askari01 I paid my tax for d duration of 3 years at a strenght,# 7,500 for each year. I contacted a tax officer who did that for me.

ifyalways:
7,500 ngn each year and your salary is 200K per month?
Hmmmmn.
[/b]Tax is supposed to be 5% of your annual income[b]. 7,500 ngn per annum tax means your income each year is less than 150,000 ngn
I stand to be corrected.

Sandrakegs:


I guess it's not a 'very good reason for refusal' :-) Got my visa.... thanks though

lekansola:
pls House, i want to pay for my Visa Fee, but it is saying the marchant worldpay is down.
pls what should and i need to pay dis week..

nairacountry:


Bro mikedean mean o . Government no go chop

Corporate Tax returns is accessed on the annual profit of the company not on income. And it is 30% on profit ( WHT can be used to reduce the annual tax liability though). Coy will also need to pay 2.5% of its profit as Education Tax.

ifyalways:

Point is: Your salary account which is the EASIEST to verify it's source had VERY LITTLE funds.

The difference between the funds in your salary account ( which is easy to trace) and your other accounts (with little or no source) is alarmingly high.

If you had a landed property, other personal businesses and added that as other source of income, it would have been better as there would be rent receipts, business registration docs, receipts etc to back that up.