OGreene:
Askari01, wot of ur aunt's application. Was she issued d visa?

Her application is still with them... I pray it works for her.

OGreene:
Oh my, I have been waiting to hear from you yesterday. I have some questions for you.

1) was it ur salary acct u submitted?
2) if u re paid cash at d office, did u get a letter from ur finance dept to back ds up?
3) did you submit ur Offer Letter wch shows ur annual pay breakdown?
4) was the 1.8 million dep explained?
5) what did u now explain in ur cover letter if not to clarify ques 2 and 4

1. Yes I submitted My salary account
2. My company either pay in cash if we are not on site and they pay into our accounts via bank transfer if we are on site outside town.
3. No, I only submitted the offer of employment, leave approval and introduction letter from my company with my I'D card.
4. I explained in the additional information section, I told them I bought 2 cars for my self and wife as a surprise but my wife adviced we sell them to purchase a landed property which we sold to someone who remmited the funds into my account and we bought a parcel of land. I gave the bill of lading, for the 2 cars and I also gave the sales of agreement for the vehicles with the application...
5. I only submitted leave approval, introduction letter and offer of employment.

Justwise, vic justice, ralphlaauren,iblaw, and others, I got my package yesterday but wasn't happy with the result, After explaining everything in my application and also in the addition information, they did as if they never read it at all. See below what they wrote in the refusal note-

You have stated that u are employed full time as a PM for xyz company earning 200K, in support of ur application u have submitted a letter from ur remployer and a bank statement, firstly considering the letter in isolation, without any corroborating evidence and noting it was issued on ur request means, it has little evidential value when accessing ur claimed income and employment, secondly I have reviewed the bank statement submitted and I can discern no regular income from an identified source, the deposit are in cash and there for the sources is un identified, I am not satisfied that the docs provided give satisfactoryevidence of ur. Employment and income.

I also not from the bank statement provided that in May 2015, three months before the submission of ur visa application u deposited 1.8M which is 10times ur claimed monthly income, from the documents submitted, I am not able to corroborate the origin of the funds held in ur bank, I am not satified that they are genuinely available to support ur visit not that the balance of this account is a true reflection of ur usual financial circumstances, This means that I am not satisfied that you have therefore accurately presented ur circumstance in Nigeria and this undermines the overall credibility of the application.

In addition from evidence shown, you also have no evidence of travel and compliance with immigration procedures similar to those of the United Kingdom, which might offset my other concerns and it's is not clear why u have chosen this time to visit the UK.

Pls let me hear ur opinion, if I should reapply or just stay put. Urgent attention required.

Justwise, iblaw, vicjustice, Ogreen, etc... I am really scared now... I submitted on the 1st of September at ikeja centre and already concluded that at least it will take 10-15 days... but to my surprise, an email has been sent to my inbox since 4th september.... Just 3 days... that a decision has been made and my package has been forwarded back to me....this is unbelievable as I cannot even control my nerves again.... Pls what could have happened? Save me abegi...lol

Justwise, iblaw, vicjustice, Ogreen, etc... I am really scared now... I submitted on the 1st of September at ikeja centre and already concluded that at least it will take 10-15 days... but to my surprise, an email has been sent to my inbox since 4th september.... Just 3 days...this is unbelievable as I cannot even control my nerves again.... Pls what could have happened? Save me abegi...lol

OGreene:
Yaaay! Better. What's d exch rate like? Now you can assist those trying to pay wt der debit cards.

Using Bank cards is better. I now pay wt my credit card. After I paid wt PAGA, I knew I wasn't going to use them for visa payment again. Too high!

Over too high dey worry paga. I paid 46k+ using my bank card. So easy. Did u put the original of ur work id?

iblaw:


That means you are being charged N245 to $1, that's quite high at this time. I have never used PAGA, last time i used my card to pay visa fee my bank charged me N206 to $1.

Has anyone used PAGA lately, please advise.

Thank you iblaw, I have contacted my bank and to my surprise, It didn't take me 2 minutes to make payment online, thanks to you all and I pray it ends in praises.

askari01:
Hello >>justwise, iblaw Ogreen and fellows >> i am really confused right now , I was about making payment for my application and I agreed to pay 230$... How come $230 is now calculated on UK payment site to be 56,350? please is this normal? I want to pick a date for tomorrow and its showing 56,350 using PAGA, they won't accept my bank card..Whats wrong pls ?

Justwise, iblaw, Ogreen and fellows repsond to my questions pls... Should I do any photocopy before leaving for submission?

Hello >>justwise, iblaw Ogreen and fellows >> i am really confused right now , I was about making payment for my application and I agreed to pay 230$... How come $230 is now calculated on UK payment site to be 56,350? please is this normal? I want to pick a date for tomorrow and its showing 56,350 using PAGA, they won't accept my bank card..Whats wrong pls ?

dafemnet:
Hi,i made an error in my application and already submitted but av not paid yet.Can i start another application since i can no longer edit this first one?Please some should help.

Delete the previous one N start all over.

justwise:


Leave the money out of your application because you will struggle to prove the source with paper evidence

Thanks, that's why I didn't pay it into my account directly so I won't have to explain, explain, explain and explain, although I have to explain the sum of 2M that entered my account in April. I think it's not necesary to claim any investment asides ur monthly income... What do you think?

justwise:


Are you running a registered business?

Justwise I am awaiting your response pls.

justwise:


Are you running a registered business?

No I am not, I work in a construction company and I invest my savings on used cars from the states... Once the vehicles gets to Nigeria, I give them to my friend who is a dealer to sell and we share profit , The funds paid yesterday wasn't paid into my salary account let me know what you think as I am ready to go submit next week .

Vic, justwise,ogreen,ibllaw, ralphlauren and other intelligent people, I am happy to tell you that My application and that of my aunt is set for submission but something happened today, Out of the 5 cars that I have for sale, Somebody came to deposit 700k but I didnt give him the account I wanna use for my visa application to avoid yeye refusal cos of lodgements... kindly advise me if I can pay the funds into the bank account i wanna use for my visa application or i should just submit the two statements of account . ....

Vicjustice:

The answer to #7 should be RELIGION ASSOCIATION/FELLOWSHIP.
You have not logically provided an answer to question #9 which is the most important of all: That is the key question of the application, and the answer that you provide to the question will determine the outcome of the application, it should have to satisfy the Visa Officer.
Please, don't ask me what to answer to that question as that is a question that she and the Church should know the answer to.

Thanks Vicjustice, I was just informed that she's being given a Topic to present during the anniversary, is that a good reason?

OGreene:
Sorry, I must hv skipped it. If not, it means I don't hv d right answer to your question, so I left it for others to respond.

Thanks jare , atleast your being sincere.... Just cracking my brain since morning to know what to write for why are they paying for part of her trip.. I am really confused .

Vicjustice:

The answer to #7 should be RELIGION ASSOCIATION/FELLOWSHIP.
You have not logically provided an answer to question #9 which is the most important of all: That is the key question of the application, and the answer that you provide to the question will determine the outcome of the application, it should have to satisfy the Visa Officer.
Please, don't ask me what to answer to that question as that is a question that she and the Church should know the answer to.

Thank you VICjustice, I really appreciate ur contribution, excluding the ones you quoted, are the rest of questions entered properly? Thanks. Once again

ekpotek:


I have posted a comprehensive answer to these question earlier on this thread. Read through it.

I think it's important for all UK visa applicant to know how to fill the INCOME AND EXPENDITURE part of the application form. Many applicants are refused because of their inconsistency in filling this part. I will try to provide some explanations here:

DO YOU HAVE SAVINGS, PROPERTIES OR OTHER INCOME, FOR EXAMPLE FROM STOCKS AND SHARES? This question is to find out if you have other sources of funds to finance your trip apart from your usual earnings. This could be savings, renting of properties, lands or stocks. If you have any of these sources of funds, then answer YES and provide documents to support your answer. Give estimate what amount this will translate on a monthly basis.

HOW MUCH DO YOU SPEND EACH MONTH ON LIVING COSTS? This question is to find out what is your average monthly expenditure from your current income. For applicants that earn salary, you should be able to estimate how much you spend on living every month. Those that are self employed, can also provide an estimate.

HOW MUCH OF YOUR TOTAL MONTHLY INCOME IS GIVEN TO YOUR FAMILY MEMBERS AND OTHER DEPENDENTS? If you have dependents, such a parents, relations that you cater for, state how much money in GBP you must send to them monthly otherwise fill NOT APPLICABLE.

WHAT IS THE COST TO YOU PERSONALLY OF YOUR TRIP IN GBP(£)? If someone else is fully sponsoring your trip, obviously the cost to you personally is ZERO. In such case, your sponsor must submit documentation, e.g bank statement, and a letter written to UK embassy clearing stating why he/she is sponsoring the trip and any other justification. If the applicant is sponsoring himself, then the applicant must state how much the trip will cost (accommodation, flight ticket, meals, taxi, etc).

THE TOTAL AMOUNT OF MONEY YOU HAVE FOR THIS TRIP? The amount you enter here must correspond to "cost to you personally" if you are sponsoring yourself. If there is a sponsor, enter the amount the sponsor will make available to you.

THE COST OF THE AEROPLANE, BOAT OR TRAIN TICKETS. Enter the cost of flight ticket (Return ticket)

THE COST OF YOUR ACCOMMODATION. Enter the cost for accommodation (obtained from the hotel) or zero if staying with someone. Then you must submit documentation from that person, such as tenancy agreement, mortgage document, utility bill and a letter from that person to the embassy stating that they will accommodate you for the period stated in your application.

THE COST OF YOUR LIVING EXPENSES. Enter cost for eg. taxi, bus, shopping etc

IS SOMEONE OTHER THAN YOU PAYING FOR ALL OR A PART OF YOUR TRIP? If you have a full sponsorship or partial sponsorship, then the answer to this question is YES, otherwise enter NO

WHAT IS THE TOTAL AMOUNT IN GBP(£)? Enter the total amount by adding the cost flight ticket, accommodation, living expenses. Ensure that this amount does not exceed the cost you computed for the trip.

Also any amount you enter, you must provide the currency, usually it better to provide the amount in GBP to avoid confusion. If you need to explain any thing else, use the addition information page and/or a sheet to paper. I hope these will answers some the questions applicants have on INCOME AND EXPENDITURE SECTION.

Thanks Ekpotek, you still haven't clarify the question below.. what is the cost of accomodation? The organisation is paying for the Hotel booking... Should I input the value for hotel in the space or I should just leave it as NIL, If I input the total cost of accomodation, the embassy might say the cost to me personally is too small to the total cost . Advise on that pls

Justwise,Vicjustice,Ogreen, ralphlauren, and other intelligent people, Kindly make ur contribution towards answering my questions, I don't wanna make any mistake whatsoever, IbLaw has made a contribution but would also like to know ur take on these. A church invited my aunt for an anniversary celebration in UK, The church already sent her IV,Bank statements and Hotel reservation, The church stated that they will be responsible for her welfare throughout her stay in the UK. Below are the question and my answer on the form. I stand to be corrected.

1. What is the cost to you personally if ur trip? Answer- £800

2. The total amount of money you have for the trip? Amswer- £810

3. The cost of aeroplane, boat, train?
Answer- £570( iberia or turkish airline)

4. The cost of accomodation?
Answer- NIL

5. The cost of ur living expenses?
Answer- £230

6. Is anyone other than you paying for all or part of ur trip?
Answer- Yes

7. Pls selct what the relationship is of the persin who is contributing to the payment for your trip?
Answer- Other- INVITEE

8. How much will they be paying towards your trip in £
Answer- £791 as on hotel reservation sent to her.

9. Explain why they are paying towards the cost of ur trip?
Answer- I explained to them that they already stated in their letter that they will be responsible for her welfare.

10 what is the total amount in £? Including money other may be giving you?
Answer- I added flight+living exp+ hotel =£1600

Kindly advice on the above questions and answers as u have known that section is the most important part of the application.

OGreene:
Am so sorry for what happened. Something in me tells me that you didn't read dis thread or ask questions b4 applying. (pardon me if am wrong). How on earth you came up wt that figure for d cost of 1-WEEK TRIP is unbelievable! Ppl usually give a breakdown of their budget/cost/financials... for ppl to help dem cross-check here.

You may want to hold onto d mistake of dem mentioning the course fee, but how do you make light of the unrealistic budget you gave. Did you state in ur application that you hv paid for d course?

I feel you shud calm down a bit and apply much later. Allow time pass b4 they will think you are desperate. And be thorough next time. Check for trainings in other countries too, if I get 2 refusals for a particular country, I will kuku face other ones until my circumstances change greatly will I go back to apply der.

This is not to kill ur morale, you may do as you wish.

Ogreen, what of me that have asked questions and u haven't said anything? Oya maake ur contribution nah

chukwuseun:
Gurus in the house , i Greet oo .. Please i am in need of your help , myself and my hubby applied for UK 6 months visa since 7th of july 2015 and on 23rd of july i received an email stating " A decision has been made on your UK visa application. Your application will be despatched within 48 hrs. " Since the i have been waiting for either a txt or an email to inform me if it is ready for pick up and i have not heard anything , this is making it 5 weeks now , please i need to know if that emails means it was ready or i need to wait for notification ..I will really appreciate a response from the house .. Thanks, Very Urgent waiting patiently for a response


Cc OGreene, Iblaw

Quit waiting... Go pick up ur visa at the pick up center.

justwise:


I'm pretty sure that i have answered this question before

You didn't say anything Justwise, should I write N/A for her since she's not the one paying for hotel and if I write N/a, what answer should I give the question that says Is anyone paying for all or part of her trip? And how much? Yes or NO

iblaw:


All figures look ok but dont write the cost of hotel cos you are not the one bearing the cost, leave it as NA and use the Extra Info page to indicate church is paying for accommodation, i hope that has been indicated in your IV.

Best of Luck

Thank you iblaw... the church already stated in the IV that the will be responsible for her welfare in the UK, I am sure the welfare comprises of transportation, feeding and accommodation. I am submitting mine too once my salary enters my account on the 24th, then I go submit on the 26th. Thanks once again,

2.if u advise me to write N/A, what answer should I give the next question that says- is Any one paying for part of your trip and how much? What should be written there? Waiting...

Kudos to you all @justwise, iblaw,ogreen, ralplauren, and the rest of us....

Kindly advise on this issue pls. My aunt application is almost ready for submission and we have planned to go submit together next week, but I want you to advise on these following questions.

My Aunt is going for a church anniversary and the church already gave her IV, SOA and Hotel reservation. How do I answer these question....

What is the Cost to you personally in £? I wrote 800
What is the total amount you have for the trip in £? I wrote 820
How much is the cost of aeroplane in £? I wrote 570.... (basically turkish or iberia airline)

WHAT IS THE COST OF ACCOMODATION? Should I write N/A Becos the church has made hotel reservation for her or I should write the price on the reservation sent to her Pls ur advise will be much appreciated. Justwise don't ignore my question ooo.

iblaw:


Because of the N18,000 its a bit hard to get available date in VI centre, available dates might be two weeks from the date of submitting online form. I had to wait two weeks from 29th June to 10th July 2015

So ur application took how many weeks at VI Submission center.

OGreene:
Have you booked flight yet? Or you re waiting for it to drop more?

Ogreene, did u choose the cheapest airline when answering the question that... what is the cost of aeroplane Did you choose the cheapest airline? Pls answer asap. Thanks

iblaw:


Your car investment and sharing of profit can be regarded as income and its good you have documents to back it up but those this profit reflect in your bank account? in the Additional Info page: Explain and add the documents.

Best of Luck

Yes, it does reflects in my account, the payment was made directly into my account by the car dealer, like in March 2015 he paid 2.5million for my hilander, 1.5 and 1m cos bank will not allow 2.5M transfer at once, both capital n profit, I have the bill of lading I will also explain to the ECO. Thanks

askari01:
My people, My people, I have made up my mind to apply for tourist Visa by September, however, this is just to inform you that I am gonna be asking so much questions from now on.

My first question goes like this-

1.Do you have savings, property or income, for example stocks and shares Should I click Yes Becos I invest my money on used cars which I gave to a car dealer and once it's sold we share the profit made. Should I include the bill of lading

Justwise, iblaw, ogreen, ralph Kindly attend to my question ... Filling my for right now .... waiting ooo

salsera:


1. Wrong answer
To receive income from family and friends means that you receive money from them for support it IS NOT THE SAME as selling cars on the side.

So u suggest I should pick YES for -
Do you have savings, property or other income (for example shares and stocks)? And I can explain

My people, My people, I have made up my mind to apply for tourist Visa by September, however, this is just to inform you that I am gonna be asking so much questions from now on.

My first question goes like this-

1.Do you have savings, property or income, for example stocks and shares Should I click Yes Becos I invest my money on used cars which I gave to a car dealer and once it's sold we share the profit made. Should I include the bill of lading

blessedfavoured:
im not sure askari01, but check this link to see if it applies to your sisters case
https://www.gov.uk/government/publications/business-visitor-religious-workers-vat14/business-visitor-religious-workers-vat14

but i think it should be general visitors, and the organisation inviting her is the Church so you are right.

Thanks blessedFavoured, I have actually read the link and that's the more reason why I threw the question on here, so as to be double sure of what to choose... From what I gathered, anyone going for a church program in the UK must go thru business Visa... Read what I copied from the link u sent to me below


"Visiting religious workers, who come to the UK for a particular event, such as a conference or other similar event, may be asked to give a sermon or otherwise preach or give some pastoral care during the course of their visit. This is permissible under the definition of a business visitor [/b]provided the individual is [b]based abroad and does not intend to take up an office, post or appointment here."

So I think she belongs to the Business Visitor category.

OGreene:
@askari01, no idea. Sorry

OGREENE..... U don make me laff tire.... U see case wey pass you today.... don't worry, Let's hear what others are gonna say...fingerz crossed.