Hello everyone. I would like to visa Japan for the Olympics later this year. How likely is it that I would be granted a visa. And what's the process like? Thanks

Good afternoon guys. Could someone be kind enough to point me to where I can get cheap flights quotes/itinerary for my application. Thanks

BizBloke:


I'd like to chip in some pointers:
1. These loans to friends/family, are they often returned?
Unless "these loans" are gifts, they shouldn't count as monthly expense. You need to address this on your cover letter and mention what & what are loans and when they'll be returned and if any has ever been returned, that should go some way. This helps reduce your monthly living expense. If they're gifts, different ball game.

2. This means you earn 478k/month.
You need to explain how you earn this side income and also, show that you get at least 178k per month from that; I'd suggest you work with the minimum side income instead of the average. Here, minimum will help you present a more realistic financial proof than average.

3. Is your rent calculated in your NGN160,000/month living expense?
If no, here's what to do: divide it by 12 and then, you can effectively show what your rent is on a monthly basis and also explain that your rent is annualized and not monthly but it costs so so and so per month which at a certain time in a year (indicate when you usually pay your rent), you pay in bulk to your landlord.

4. NGN1,000,000 is too much (per UKVI consideration) to spend on a trip.
I mean, it's your money but it's their rules. So you need to reduce the amount you've budgeted per expense category. Because you didn't specify the details of the different expense category, I can't say much about this but even without the knowledge of that, I think you need to cut your budget in 2, for starters.

You've got a Leave Allowance? If so, should also help.

Good luck!

Thanks for your input. It's been really helpful.

Regarding the living monthly expenses. Does one-off purchases like electronics etc count towards it?

And yes, I have a leave allowance of 100k. But it wasn't mentioned during the first application, I feel like bringing it up now may look a bit weird. What do you think?

@Suuz @giselle237 @oak202

Thank you all for your help. I appreciate it. I may have more question, please be patient with me. Thanks once again.

oak202:


The agent messed up the application considering the fact he stated your 160k as monthly expenses leaving you with a balance of 140k and you intend to spend 1m for a 6 days trip.

1. Reduce your monthly expenses to 40k-50k

2. You must show evidence of side business if
You want to add it as additional income

3. That should not be a problem because it strengthen your ties to your home country in as much your balance can support your trip. Mind you , you should have excess above your trip budget as at the time of application.

4. Reasonable amount is 500k

5. Book hostels instead of hotels. It reduces your cost.

I'm even more confused now about the rent because you are saying it is a positive while @giselle237 is a little worried about it. Note that even after paying my rent I will still have over 7m in my account.

And also @giselle237 should I address the living monthly expenses and the 1m budget in my last application on this new one? Explaining that it was a mistake or rather just ignore it?

Can you provide me with a sample letter for itinerary?

Hello everyone & @BizBloke @giselle237 @justwise

Like some of you here already know, I was refused a visa early last month, for the reasons highlighted below. (sorry, was unable to upload the letter, but these are the exact transcripts from the letter.)

**You have applied to visit the UK for 7 days for tourism. In order to be able to to make a decision on whether or not to grant you entry clearance in this category I have taken into account your stated circumstances in Nigeria, the reasons for your visit and your proposed travel arrangements.

**You have declared that you are employed and state that you earn 300,000 NGN (£672.05 Converted on Oanda.com, 05/09/2019) per month. You state that you spend 160,00 NGN (£358.43) per month on living costs. You state that your trip to the UK will cost 1,000,000.00 NGN (£2,240.17) which equates to over 7 months disposable income on a 7 days trip. Your proposed expenditure of your visit casts doubt on your intentions to visit the UK.


I made some important mistakes, thanks to the agent who assisted me with the application.
Now I am ready to reapply this month, and have a few questions and things to clarify, if you all don't mind.

1. My living expenses was stated as N160, 000 per month. Which is not a true reflection of my consistent monthly expenses. That figure was the estimated average of the amount that left my account the 6 months before my application, which contains loans to friends/family, one-time purchases of things like electronics etc. I am thinking of reducing my monthly living expenses to 80k-90k (keep in mind that I have a dependent that I give 5k per week) on my new application.

2. Aside my monthly 300k salary, I have a side income (amount not fixed) but has been consistent for a few years. The average amount of the last 6 months is 178k. This side income wasn't acknowledged in the decision to refuse my visa. What can I do to change that?

3. I am about to pay my rent, is that going to be a problem? Being that I will be spending a decent amount for my rent and at the same time willing to spend good money on a trip abroad?

4. What would be a reasonable amount to budget for the trip? I plan on spending 6 days, 5 days in London and 1 in Manchester for a football game.

Your help and guidance will be greatly helpful to me. Thanks

@Giselle237 can a car be used as home tie?

Hb1234:

You mean 19 working days?

No 19 overall days

BizBloke:


1. How frequent is the inflow of your additional income?

2. Also, I think you need to reevaluate your budget for this trip. Spending 7 months disposable income on a 7-day trip raises red flags such as: "When he gets back to Nigeria, how would he survive for the remaining 6 months, 3 weeks", etc. Like Ashiri***** stated, make some adjustments.

However, I'd like to add that you should stick to indicating the disposable income you mentioned earlier and re-state clearly that you earn NGN500,000 per month (this is, if your additional income comes in on a monthly basis; if it's less frequent, then you'd have to add the minimum additional income you get to the NGN300,000) - and explain how you generate the "additional income".

3. Then, reevaluate your budget:
- Return ticket.
- Accommodation.
- Flex money.
- Transport (within London).
- Miscellany (of gifts, etc).

Perhaps, after doing these, post here to see if anyone can add/remove.

My additional income comes in on a monthly basis. It isn't fixed, but I'd say average around N220k.

I will do what you have suggested, and reduce my monthly expenses to 100k, reduce my total budget for the trip to around 650k, as well as providing a cover letter explaining in great details, my additional income.

Do you think I should touch on the reasons I was refused on my next application? And when do you think will be good to re-apply? Because I was supposed to begin my leave on Monday which I mentioned on my previous application. But I'll trying to get a deal with my boss to push my leave to maybe December.

Ashirioluwa:

Reduce the cost of your trip to like 500k or less than that.

Also reduce your spending per month to like 80k.

I don't know if you are planning to stay with family member or not. If you want to use hotel, look for cheap hotel.

Package your application in away that your 2 months salary will cover your 7 days trip.

To me 300k monthly salary is good even without including your additional income.

Outcome of visa application depends on how you package your application.

Include evidence of your extra income. Also write a note in the additional comments section of the visa application concerning your extra income and any other things that you feel will help your application

Best of luck in advance

Thank you very much. I'll do that on my next application.

dilodavid:
Below is @Adex2066's refusal letter. I was able to view it and I decided to share it so you could see it and look into it.

Thanks for posting the letter. Much appreciated

sanspiffy:



Sorry about the refusal man. I am not an expert on this sort of thing but my advice will be to reapply and address the points that were raised for the refusal like the cost of your travel does not tally with how much you earn per month.

Address those points with evidence and you should get the visa I reckon

Thanks. I appreciate

giselle237:
It is not showing

https://m.imgur.com/gVenwCP

Not sure why. Try to refresh it once you open the link.

Yes I have travel history

giselle237:
do you have other travel history?
if you genuinely can prove your case of how 6million was accumulated and how it is your money and that you have saved for this vacation over a while and want to spend 1m on a vacation as it is just a small fraction of what you have... then I think you can explain your case in a letter of complaint. You can also include that the ECO forgot to take into consideration your additional income which you stated in your application.

... if this is the only clause of refusal...


Basically if you have reason to believe they have wronged you, make your case before them by emailing the embassy and UKVI dont forget to explain your case very well

..

www.imgur.com/gVenwCP

That's my letter.


Edit: what's the process of writing a letter of complaint?

Suuz:


Next time, write a cover letter that fully explains the funds in your account, it does help. How long did it take for you to get a decision? I mean when did you go for your biometrics and when did you get the message that your application has been assessed?

Yes, I should have written a cover letter about my additional income. I guess we live and learn.

It took about 19 days to get a decision from them.

giselle237:
Can it be upto 400k again?
The letter says your monthly expenditure is 160k .. take that from ur salary of 300k that will remain 140k ... plus lets say you add up this additional income per month of 200k.. thats 140 +200...

Next time just stick to what has worked for majority.. run your budget closely and your account closely with your salary.. and try not to exceed 2ce the disposable income.
You earn well so this visa is feasible.
reduce your monthly spending next time(declaring 160k from ur salary is high) so that you have enough money from your salary earnings to serve as the main fund for the trip so as not to confuse ECO.. also hope you submit all relevant documents showing origin of proof every fund that made your account balance to run into 6 million..

Thank you very much. I appreciate you taking the time.

Edit: please when will be a good time to apply again?

ijeshaoflondon:




Your budget for a 7 days trip is was too high...£ 1200~ £1400 would have been perfect but it looks like you want to impress the ECO that u have enough cash in yr accate... I must say... Well you just shot yourself on the leg. Although this is what we call medicine after death, but next time , Try to cut your budget to -
Flight- £550
Hotel- £350
bta- £300-£500
Total- £1200/ £1400

Give it some time then reapply so it wont look like ur desperate. Follow that budget above and u will see that the lord is good. For everone reading.. UK visa is not ponmon and i realized so many applicant do have issue when it comes to presenting a well run account statement. To avoid issues ,.Open a new account as to where ONLy your salary would be paid and avoid any other funds to be remitted in there... Then gather other genuune documents n apply. Then we will help u praise God

I honestly wasn't trying to impress. It was genuinely what I budgeted for the trip. I will note your advice if I apply again. Thank you

giselle237:
we have been told to keep our uk expenditure within 2 times our DISPOSABLE INCOME.
In my opinion budgeting 1million naira for a 7 days trip is much... are you a first timer?
This was way over overrr your DISPOSABLE income... thats is after ur monthly spending money has been deducted...

Yes its my first time. My disposable income is around 400k every month, if you include my additional income. But they didn't include that. But yes, I take your point.

Suuz:


Okay, did you write a cover letter to explain the 200k+ to them? Your budget of 1m for 7days trip is a bit much, let’s say flight 220k, living expenses 100k for 7days sounds more realistic. That’s 320k which would have been a little bit above twice your monthly disposable income(just my opinion). Anyway, Just wait a little bit and the experts on this forum would give you a reply that would be much more helpful.

No I didn't write a cover letter. But I included a note about it on the form.

Suuz:


I think you need to upload the actual refusal letter and blur out your personal details so that the experts here can help you out better. By the way, when did you do your biometrics and did they send the refusal to you via email?

I tried to upload, for some reason, I couldn't. That was why I typed out the part that contained the reason for refusal. I got a letter of refusal through DHL along with my passport.

Hello guys. I was just refused a uk visit visa. During my application, I had over 6 million in my account. My salary is 300k each month, plus I have additional income of around 200k+ every month as well, which I stated during the application. But it seems that they didn't take account of my additional income. What did I do wrong and what can I do to correct it. Any response/help will be greatly appreciated. Thank you



" You have declared that you are employed and state that you earn 300,000 NGN (£672.05 Converted on Oanda.com, 05/09/2019) per month. You state that you spend 160,00 NGN (£358.43) per month on living costs. You state that your trip to the UK will cost 1,000,000.00 NGN (£2,240.17) which equates to over 7 months disposable income on a 7 days trip. Your proposed expenditure of your visit casts doubt on your intentions to visit the UK. "

@justwise