My advise for you is to rebuild your account for the next six month is bitter buy truth.

[quote author=AbelPre post=119865930][/quote]

Definitely Eco will check all debits and credits on your account, you can calculate all debits on your account and declared highest figure as your monthly expenses. Also explain in your cover letter reason your monthly expenses are not equal.



[quote author=AbelPre post=119861122][/quote]

Wow djbaju you really mess up big time maybe you have not discovered this great forum before you put in? You declared that you spending 100k monthly I carefully go through your bank statements and do my calculations each months

July: you spend 40k apart from 917,934 enter and debited immediately
Aug: you spend 48,410
Sep: you spend 49,944
Oct: you spend 51,000
Nov: you spend 56,260
Dec: you spend 50,00

All your monthly expenses are not up to 60k, while you declared you are spending 100k.

You don’t need to rush to re-apply without correcting all these errors, you will need to rebuild you account for next 6 months.

Note: You salary usually entered your account every on the first, the one that came in July is for salary of month of June. You should have waited till January to receive the month of December salary before you apply then.

Sorry bro, better you clear all discrepancies in your bank account before you re-apply after 6 to 7 month.

Shalom

djbaju:
Thanks for the contributions so far, amount declared as spending is 100k, I will attach a copy of the bank statement, first, the Eco claimed I had only 5 salary credits if you count you will see 6, i ticked the salaries with pink, secondly, he said there was a deposit on 02/06/2022, whereas I didn't submit a statement for the month of June, maybe he asked from the bank, even if he did I don't have a deposit on that day mentioned. I think he was complaining about my opening balance i don't think that should be his problem if I had 500k I might decide to save some of my salaries and also decide to spend some and save 500k like it was.



The only error I can find on the account is on the 14th of July someone credited and debited my account within 2 mins I believe it was a transaction done by mistake by the bank and I address it on my cover letter.

Now if you look at the credits there is no other credit aside from interest from the bank and the above-mentioned.

Hunee pls can you share more light about the processing of Lithuanian business visa

hunee:


Like the African adage that says,
"na person wey go fit tell you wetin eye see"
This year is for the wise.
We move

Last 2 years I gotten my South Africa sticker visa my bank statement was only stamped from page one and last page that all

Tryhard:
I want to ask a quick question, for those that have been granted SA sticker visa which ever category of visa recently, the bank statement you submitted was it every page that was stamped or just the first and last page.

Thanks Giselle, I think the next day of 7 night that I will depart from Uk . Anyway I think they only asked date of arrival and departure.

I appreciate bro

giselle237:
7 nights = 8 days.

Sorry I don’t quite under the presentation, is the applicant that will open the new business that’s no more than a year? Sorry can you share more light

hunee:
It has become a trend.
Not doing any analysis over UK refusals for now.
Kindly click this link to have an idea.

https://www.youtube.com/watch?v=WNy7vn7hstE

Thanks cashmadam

If my hotel reservation says 7 night does that mean I’m staying for[b] 7 days[/b] ? Also is it necessary to put departure date i.e departure from Lagos Nigeria to Heathrow on my itinerary?

Cashmadam:


Good morning! Yes, you can.

You should have fill your DS160 form under Uk location while you are in Nigeria and booked for your interview date and travel to Uk before your interview date. But if you are already in Uk you can go online and fill your ds160 under Uk country location

meljoe:
Good evening, please how do I apply for USA visa from the Uk and also does any one have an idea the date that’s available for appointment now ?

Good morning everyone in the house!!!!!

Please where they asked Purpose of my visit to Uk? Can I write for a deserved Easter holiday and to explore popular tourist site such as London bridge, London eye, Buckingham palace, Big Ben etc

Serious I will pay for valid airline ticket and hotel?

muzybow:


Yes!

Please is valid flight ticket and hotel required for E-VFS?

Urgent

Tryhard:


E-Vfs would have been better for you. Because it takes like 10working days processing time for short visit. It would take a bit longer for physical submission. They would treat your short visit application like long term. I’d only advise those going for long term to submit physically. But short term use the E-VFS Route because it’s faster. Now you have your passport, you can apply now so you won’t hear they have backlog online again.

Better still you can contact naijagoingabroad for hotel reservation I think last time I did was 7k and they will help with flight itinerary free.

GloryJoyeux:


Hmm,

I did not pay fully for the hotel and flight, it is a reservation that expires after 2 weeks. It is just for visa purposes.

When your visa is approved, you then get a real hotel of your choice through any other available means!

The package on the site is 55 USD inclusive of flight reservation ( 55 x 750 chipper rate = 41k naira)

Hope I have clarified things.

Cheers.

Are you the first timer

IfeNimi:
Visa alert!
Priority
Visitor visa
Biometrics : 18th of nov
Pick up mail: 23rd of November.

Self sponsored.
Used 3 and 1/2 months statement of account with less than 1.5M closing balance.
Got a lot of insight from this thread.

Try and clarify is it for school, work or tourist visa?

Geetaybeks:
Please I really need someone to help me out with this. I'm begging. Sorry if this has been asked a million times. I need help

Hello Tesclaros, pls have you travel to South Africa before? Because I called Lagos VFS for e visa route they said Lagos VFS evisa only processing Application for those who have visited SA before that I should contact Abuja VFS.

Tesclaros:
I applied for 2 weeks and they gave me 2 weeks

Thegamingorca, What happened is that a kid brother was filling his Uk visa application form and he gotten to where they asked do you have other income or any savings? People said they wrote their bank account balance as a saving.

My question is that can some declare bank account balance as a savings?

Thegamingorca:


If he has mentioned his entire savings before, he does not need to repeat the bank details there again. It's a simple no.

If however there are some funds that is different from the primary one he declared previously, then he can fill it there.

Bro try and study the bank statements very well before you re-apply, does your mom received other income she stated with this bank statement?

You can explain the opening balance is the salary your mom accumulated as a savings from her employer

ZabethMay:


Six months bank statement. The date he mentioned was the date the statement was printed out. I don’t know if that was what V.O got mixed up. The opening balance was for the month of March. Which was the first month in her six months statement. She had a closing balance of about N4.5M

Hey Zabeth I’m curious pls what is the amount you have as opening balance from your 6 month bank statement? Does it correlate with the amount ECO stated with the date? Pls try and go through the bank account most especially the date ECO stated 5/10/2022.



Waiting for response……

ZabethMay:


Thank you. I did the application for her myself so I guess I’d just reapply and attach a cover letter addressing the opening balance.

Thanks very much Airfay for your swift response, You wrote 2.6m as you mentioned in documents you submitted as your closing balance right?

Also do you explain your opening balance in your cover letter?



[quote author=Airfay post=118452099][/quote]

Please all gurus in the house…….!!!!!!!

Can bank account balance be fill as a savings at where they ask do you have other income or any savings?

See the attached below

Congratulations Airfay, please I want ask you when you are filling your visa application form where they asked do you have other saving? Do you write your salary bank account statements balance there or not?

Reason I ask this question is that my kids brother is filling his visa application form and his confusing where they asked do you have other saving?

Can he write the balance on his salary account as other saving Plzzzz house ?

Airfay:

Visa Alert!
Biometrics: 9/11/2022
Collection mail: 15/11/2022

I paid for Priority

You salary as you stated 399,000 multiply by 6 month should be = 2,394,000 ie Credited

While your monthly expenses as you declared is 90,000 multiply by 6 month should be = 540,000 ie. Debited

Bro you need to work on your monthly expenses by specific on amount you will be withdrawing monthly.

NB: You declared your balance on bank statements as savings where they asked OTHER SAVINGS right? Can it be other saving?

ijeshaoflondon:


I declared the balance as savings...check the

.

Giselle and other guru!!!!!!

Please where they ask do you have other savings in the UKVI application form? Can applicant declare is closing balance as a savings? Or other savings mean other money required from other business or property?

Please very crucial

Sorry bro, do you have other saving you declared? Or do you referred to the money you have as a closing balance in your bank account as a saving?

For the bank statement of account there most be a OPENING BALANCE, why Eco having a problem with your opening balance? If I may ask how much is your opening balance?

What caused your refusal is that you don’t have a specific amount you withdraw as your monthly expenses.

Is unusual for any applicant to give a details or explain the opening balance since ECO only required for 6 month bank statements.

ijeshaoflondon:



All that enters the account is just the salary and have been working with the company since 2019... Why do i need to explain an opening balance of 6months statement? I have never made a mistake of given the account to anyone... its basically for salary. The only thing is that i withdraw funds from the account regularly... in 100k n 200k cos i have an ongoing project that requires me paying the laborers.

Please Tesclaros can you kindly ask your agent where he’s used to apply for evisa through VFS? Because I called Lagos VFS they said they only handle those who as travel experienced to South Africa before.

Tesclaros:
I was with my trusted agent few days ago .. She showed me an approved 1 week conference visa she applied on E-Visa (VFS platform) .. and this visa was approved on the 10th Nov even when it was applied on 31st Oct. and the surprising thing is this man is a first time traveller lol. But you know what was more surprising? They gave the man exact days of stay he applied for. They didn’t add any extra days for him hahahaha.. his visa was approved on the 10th and will expire on the 18th Nov. my agent told me that is how Evisa VFS works now. I had to change my mind and tell her to increase my days from a week to a month just incase cos she said they give you the exact days you apply for .. cos they don’t want Nigerians too much in their country

Dirold sorry the closing balance is not Other Savings oooo, other saving mean if you have any money you got from inheritance or property maybe you sold a property and the money was kept as a saving. The closing balance on bank account only demonstrate your employment circumstances .

More enlightening on OTHER SAVING ?

dirolad:
if you have closing balance of 1.8m, why did you declared no savings? The 1.8m is not yours or accessible? If you will be provided with accomodations, then accomodations and feeding should be out of your budget. If your income for a month is £390 after monthly expenses, then Travel expense of £1200 is much for you against your income, you can cut it down since you are receiving support. The refusal is based on the £1200 (Personal cost). If ties is the major issue, it will be specific such as assets, Property, dependent or wide family range.

Doing it your self is wasting time and money, I did followed the procedure by filling the CAC online form including my international passport photo copy and sent it through courier service to CAC headquarters Abuja. After waited forever without no response then I go through Nairaland CAC search and I picked someone contact who advertised annual return filling, guess what I got everything sorted within 3 days.


Note: not all this agent can make the inactive to change to Active immediately after filling your annual return oooo.

Lol I did my biometric August 2021 still waiting lol

4ayomi:
Pls House I applied for visiting visa in August 12
I did my biometric in August 19
Since then I av not hear form IRCC .
The day I plan leaving is November 12 .
Can I send an email to IRCC .
pls House I need your advice

Nothing like chances until you get your passport back, no body can guarantee you visa after submission until you receive your passport back ok

damrmd02:
Pls check your email, what's the chances of getting visa for a first timer, though have been to Zanzibar, Dubai and Saudi Arabia. [color=#006600][/color]

Wow Mrmoney you are doing a great job here keep it up bro God will reward you….concerning the person that asked a questions about the money her husband transferred to her acct? I did the same thing to my wife without submitted my own bank account guess what? Eco denied her for unknown transfer into her account.

Secondly where they ask in visa application that do you have any savings ? This simply mean if you have any saving you got from property or any saving apart from your salary and is not applicable to your closing balance on your salary account.

The op most submit her husband bank account , her own bank account and her UK sister bank account while both sponsorship will write a sponsorship letter with details.

Thanks very much Mrmoney


This does not applicable to the money you have in your salary account,

Mrmoney90:


I will advise that you shouldn’t make the mistake of boosting your account for visit visa purpose. That’s a dead end for a refusal. The ECO is not interested in how much bank balance you have but by how well your account is run and how it affects your application, both inflow and outflow. So you have to be very careful.

Good thing for you that you have a sponsor. Since your sister is going to cover full sponsorship for your trip, then she will have to show proof that she has sufficient funds to cover for your trip as well as her own personal circumstances there in the Uk. She will provide you with a letter as well, stating she is inviting you and why she will be paying towards your trip.

Question: How does she survive in the uk? What type of job does she do and how much does she earn? All these are factors that would be looked into when considering your application. Maybe if she has 5000 pounds balance, that could suffice for the account.

More so, since your sister is sponsoring, there is no problem with your salary account balance as you are not the one paying for the trip. All the ECO wants is to see that your salary inflow is regular and constant as that is how your personal circumstance here in Nigeria will be judged.

You also need to include your savings account statement. There is a portion on the form that says if you have any savings, you can say yes there.

You will need a letter of absence from work (leave), and also another one stating your job contract as well as how much you earn.

Your sister will attach her ID or passport. If you will be staying with her, she will also provide her utility bill. She can also provide you with pay slips if she has any

For your personal circumstances, do you have children? How long have you been married? You can include these details as well as documentation to prove them, such as marriage certificate, your children’s birth certificate etc.

As for the money your husband gave to you, that can be a red flag, as the ECO would assume it’s for account boosting. So I would suggest you say the money your husband sent is the money he wants to either use to purchase goods or maybe pay rent and he only sent it to your account to avoid using it for something else.