₦airaland Forum

Finally submitting my application today after the very long wait lol. Here's an overview of my financial profile:

November 2024:
• Total Inflows (From November 1st to November 30th): 881,633.50 Naira (monthly salary) + 442,708.33 Naira (prorated 13th month allowance) = 1,324,341.83 Naira
• Total Expenses = 506,425.90 Naira
• Disposable Income = 1,324,341.83 Naira – 506,425.90 Naira = 817,915.93 Naira

December 2024:
• Total Inflows (From December 1st to December 31st) = 187,500 Naira (25% of total passage allowance) + 437,850 Naira (unused medical balance) + 1,412,883.50 Naira (531,250 Naira pro-rated leave allowance + 881,633.50 Naira monthly salary) = 2,038,233.50 Naira
• Total Expenses = 936,870.75 Naira (This increase was due to typical seasonal expenses for the festive season, including concerts and fine dining with friends)
• Disposable Income = 2,038,233.50 Naira - 936,870.75 Naira = 1,101,362.75 Naira

January 2025:
• Total Inflows (From January 1st to January 31st): 881,633.50 Naira (monthly salary) + 34,022.98 Naira (commission received from employer) = 915,656.48 Naira
• Total Expenses = 478,482.40 Naira
• Disposable Income = 437,174.08 Naira

Expenses could've obviously been lower, but monthly car maintenance in this economy is now expensive o. Those of you who have cars and drive will understand.

Budget for 7 days in London (excluding accommodation and including flights): 1,150 GBP.

Any last-minute feedback before I submit? This will be appreciated. Thanks

I'm in the same situation as you right now and about to nervously submit my application next week lol, but I'd say it depends on what the credit alerts are for. If these were just due to transaction reversals, just explain in your cover letter, then attach email evidence from anyone in your bank confirming that the credit alerts were due to transaction reversals after debits for failed transactions like I did.

However, if these inflows are from other sources, I suggest delaying your application till your account statements are clean and going forward, use only your salary account for inflows from your employer (unless there are transaction reversals, which can be justified after debits for failed transactions), then another account for inflows from other sources.

MsAnonymous:
Hello house

Please I want to apply for UK visa for a visit in March.
If I had known before now that I needed to travel, I would have put my account in order (I received credit alerts from multiple sources other than my employer). Pls is this a big risk I’m taking?
Or do I just calm down and explain every credit alert in a letter?

Budgeting between N1.3 and 1.5 million using airlines like Kenya Airways, RwandAir or Qatar Airways for instance is also fine.

Cashmadam:
N2Million is fine. Some tickets are slightly lower or slightly higher - depending on the airline and period of your travel. Summer and Christmas tickets are quite expensive.

Ah, this is honestly very strange! Are they expecting your monthly expenditures to be constant from Month A to Month B to Month C? Don't they know that expenses fluctuate? For instance, if your income increases in a particular month, it only makes sense that there'll be higher expenses in that month.

IGIG:
They said that my salary did not show that I work for my company, and my monthly expenditures is not constant

That was just it

Lol I dey submit am by the end of this month. I understand these visa officers can be funny regarding the reasons they give for visa denials, so trying to prevent this

America001:
What century do you want to submit your application? You don too analyse.

To those of you who keep emphasizing that one's salary account should ONLY show salary received every month, please don't forget that there are several instances where applicants receive additional income from end of year bonuses/allowances credited to their salary account by their employers.

Let's say someone's regular monthly salary is 880k Naira and the total additional income received over a three-month period is about 1.6 million Naira. This 1.6 million Naira was received between November 2024 and January 2025, including a one-off commission of about 34k Naira received in January 2025. Can this 1.6 million Naira be reported as additional income from the applicant's employer on the application and will it be factored into the disposable income calculation?

Including the regular monthly salary to the bonuses/allowances received, total inflow in November 2024 is at least 1.3 million, and at least 2 million Naira in December 2024. However, expenses in November 2024 were still less than 50% of the total inflows in November, December's expenses were also still less than 50% of the total inflows in December, but increased to about 900k due to increased expenses during the festive season and the higher income.

Good evening everyone,

In addition to the extra inflows from bonuses and allowances, I have received additional inflows in my salary account, due to transaction reversals for failed transactions and a recent commission payment from my employer. I’m concerned that a visa officer may view these inflows negatively, despite my travel history, which includes two trips to the UK in the last 10 years for academic purposes, as well as travels to Qatar, the US, Ghana, and Togo. Although I have provided email receipts from my bank to confirm that these credits are due to transaction reversals, I’m hoping that these reversals will not be a reason for a visa denial.

Additionally, I recently received a commission from my employer for assisting the institution in raising capital from investors. However, apart from a line item on my bank statement showing the commission received, there is no other formal evidence available, as my employer is unable to provide a letter or formal documentation due to the sensitive nature of the transaction.

Given this situation, what would you advise I do? I am hopeful that the explanations provided in my cover letter will suffice, even though I am unable to provide full supporting documentation for this commission. Has anyone been in a similar situation, and what would you recommend I do?

Thank you for your assistance.

Congratulations. How long are you planning to visit and what's your monthly income like?

Jolene474:
VISA GRANTED!!!
UK C-VISIT
Application Date: Dec 10th 2024
Biometrics: Dec 19th 2024 Lagos Ikeja
Collected Passport: Jan 17th 2025

Document Submitted :
Employment Letter
6 months pay slips
Vacation Approval Letter
Promotion Letter
Work ID
Employment Introduction Letter
Previous Work Assignments
NIN SLIP
Previous Entry Stamps
Bank Statement
Bank Reference Letter
Hotel Reservations
Land Purchase Documents
Land Deeds and Land Survey
Church Letter
Previous Visa Refusal Letters
Trip Itinerary
Self Introduction Letter
Boyfriend ID and WhatsApp Chats
Detailed explanation of transfers reversed (not salary)
Detailed explanations of previous work visa refusal in 2016 and administrative appeal refusal note.
Family photographs
Letter from my Dad and siblings, detailing how I take care of them as dependents and their ID.


**Reduced my proposed expenses amount from 1900GBP to 1620GBP.

Did you initially clearly explain these N12,000 and N2,000 inflows in your salary account though? Because if you didn't provide a detailed explanation in a cover letter, then I can understand why they previously denied your visa. It also helps to provide supporting documentation like email evidence from someone else who can verify the authenticity of your explanation. For instance, if these inflows were due to transaction reversals (which are very common now), an email from someone in your bank who can confirm these credits were due to transaction reversals will usually suffice as supporting evidence, in addition to an explanation in a cover letter.

Also, I'd guess your budget for the recent application you used to be granted a visa was between 1,100 and 1,250 GBP for 7 days (including flights, living expenses but excluding hotel accommodation)?

Jolene474:
1: Yes, I entered all the previous refusal, I know they like it when you come clean with them, they can see all your previous refusals on their data, the date and time is on your profile, I think when they enter your name and DOB it will match with all your applications if any, and they can see the reasons for refusal and the documents you may have submitted, though all the reasons were same, I noted each refusal on the online form.
They never pointed out my previous refusal, I made sure I gave a concrete explanation for all the previous refusals.
I was interviewed in British Lagos Consulate when I was 18 and I wrote all the questions the British guy asked me and the answers I gave him and the name of the white guy who interviewed me too, I looked his ID, I also detailed everything in the embassy, the office I entered and the glass window and the camera that I looked.
So they knew this person came well for them…
I even told them to go play their CCTV at that very date, they will see my young self entering their embassy.. haha
While it may be more tight for him, he just needs to explain it, and make sure there is a continues trend from that life till now.
Don’t just go bring a new fresh thing to them, some may not buy it. Let them see how far you have come from that year till now, so they can track your personal growth, I think that’s one thing I really knocked on.
So when I was refused first, I was very disappointed and that made me write them, I can’t have this honest life and you tell me I can’t visit the UK, no way.
If I was an English with my job and small money saved I’m not sure you can deny me a visa, so why cuz I’m Nigerian. Omo I gave them hot in my letter, though they didn’t faze much but I think it made them seat up for my second application.
2: I did not make any reservation for airline, I only put the amount intended for flights and the airline name.
3: My income is roughly a Million. N967k
My expenses is about N290k
4: My budget for the 7 days I will be there, I think food was about 350k and transport about 500k

I only budgeted for
Flight
Food
Hotel
Transport(cab)
Ticket to Arsenal Game
Tickets for Tourism

I didn’t buy the ticket, I just put the amount for it and total it all.
That was all.

Always make sure not to budget more than 3 months your salary. Anyhow you do it, make sure you don’t get over this and also make sure the proposed amount reflect the events you going to do, maybe if you have family there it could be more cheaper.
In all that you do, avoid credits into your account that are not salary, infact make sure no credit near that account except salary or what you may.
The money they see N500 credit. Omo their hair go just stand for hand. I don’t know why but I had my own share, they said N12,000 and N2000 was not my salary. Lol
So avoid it.

I DON’T KNOW IF YOU BELIEVE IN GOD, BUT TAKE IT FROM ME, DO YOUR BEST AND PRAY.
My first application is November was a blunder, they went to mix my application with someone else information, all the reason for refusal was not related to me, I was angry but it was my breakthrough, Omo I settle down and used it against them, even the Entry Clearance Manager had to email me and review it and asked me to apply again, though it didn’t make them give me but I think it was an avenue for me to tight my bolt and nots.
All glory be to God.

Exactly, so this was clearly the issue. For just 10 days, I personally would've budgeted at most 2,000 GBP (including accommodation and including flights), then ensured that all funds available for the trip are either in my salary account or USD domiciliary account or in both accounts. If some applicants are budgeting 1,500 GBP for 2 weeks, then I honestly don't see why you should be budgeting 2,500 GBP just for ten days

giselle237:
Experience? Your travel duration was for 10 days, not 2 weeks.
The liquid money you had in your account was 5.m and a budget of £2500 is far above 5m and you can not clear out your account for vacation purposes.
Fixed treasury bills= 0
Joint account = 0
Pray, tell, how did the visa officer err for our learning purposes?

Additionally, if any transaction reversals appear as credits in your salary account due to incorrect debits, please provide a detailed explanation in a cover letter. This includes even small amounts, such as 5,000 Naira, even though 5,000 Naira might not seem like anything to those earning 800k+ each month. If possible, also include supporting documentation, such as an email confirmation from the person who processed the reversal, stating that these credits resulted from transaction reversals.
Better safe than sorry.

Additionally, if any transaction reversals appear as credits in your salary account due to incorrect debits, please provide a detailed explanation in a cover letter. This includes even small amounts, such as 5,000 Naira. If possible, also include supporting documentation, such as an email confirmation from the person who processed the reversal, stating that these credits resulted from transaction reversals.

Good morning, everyone. If you're applying for a visa for the first or second time after a previous denial, please ensure that the budget you provide in your application is reasonable and not excessively high compared to your monthly salary.

For example, if your monthly salary is between 750,000 and 1 million Naira, do not list a budget of 3,000 GBP, 4,000 GBP, or 5,000 GBP for one week, even if your savings can cover those amounts! The authorities want to ensure applicants are not budgeting more than three times their monthly income. I've seen several visa denial emails in this forum from applicants who provided budgets that were far too high in relation to their monthly earnings.

A more reasonable budget (excluding accommodation but including flights) for someone with a monthly salary between 750,000 and 1 million Naira, traveling for about a week, should typically fall between 2.1 million Naira and 2.9 million Naira (roughly 1,100 GBP to 1,500 GBP), with the total including accommodation and flights around 2,000 GBP.

However, I've noticed that certain factors may be overlooked by visa officers for applicants with a strong travel history over the past 10 years. For example, I know someone whose monthly salary was in the 400,000 Naira range last year, and he budgeted 2,000 GBP for about a week or less in London, including accommodation and flights, which is obviously quite high compared to his salary. However, this person had traveled to the UK six times in the last 10 years, as well as to Botswana, South Africa, Portugal, and other countries, which strengthened his application.

As long as you're not spending up to 50% of your monthly salary, I believe you should be fine. This implies that every month you should have at least 50% of your monthly income as disposable income to be in a good position.

Demmybim:
Thank you so much. It's a family of 3 , won't they think 200k is too small for is? Lol I don't know how they think , I'm just asking

Exactly and you really can't blame them because there are Nigerians who have consistently abused the privilege of being granted visas by either overstaying or using their visas to immigrate illegally, making it harder for genuine visitors to be granted visas. In this context, would you consider an applicant who has been previously issued UK study visas in 2016 and 2017 as a first-time applicant?

cbn4main:
You are right my dear. ECOs use their discretion most of the time.

However, having followed this thread for more than 2 years, my advice to applicants is that once you are a first time applicant and young (perhaps 50 and below), you MUST block all loopholes. Make your application water tight, bcs the first impression of the ECO is that you won't return.

Anyone who reads this thread extensively and digest people's denial letters stand a chance of getting visa approval.

To add to this, there are numerous situations where an applicant receives bonus payments or allowances from their employer. In such cases, these payments must be clearly explained in the cover letter, as long as they appear in the applicant's salary account statement. For example, if an applicant (e.g. Ade) received 500,000 Naira as a leave allowance from his employer in November 2024 and 700,000 Naira as a 13th-month allowance in December 2024, in addition to his regular monthly salary of 800,000 Naira, the total of 1.2 million Naira received as allowances over a two month period should be explicitly explained in the cover letter and reported as additional income in the applicant's online UK visa application. Additionally, there are cases where applicants receive transaction reversals, which appear as credits due to previously failed transactions for which they were mistakenly debited. In these cases, it is important to clearly explain the reversals in the cover letter to prevent the visa officer from mistakenly considering them as suspicious or unknown income sources. Although I understand that providing these explanations can be tedious, I believe it is the best way to minimize the risk of visa denial. I hope this is clear.

davodyguy:
Sorry about your refusal.

Two issues were cited

1. The inconsistency in deposits. You need to fix this by ensuring that only salaries get paid into salary account, which you intend to drop.
In my case I calime I get paid certain amount and in the 5 months statement I presented, it clearly stayed that sum exactly without reduction or increment. If you salary is N1.1m, make sure only that N1.1m enters that account for about 5 months and clearly marked as Salary

2. Reduce your budget. Cheapest ticket now is around N1.1m to N1.3m ($700)
You can see $70 a night hotel and spend about $700 in 10 days and another $500 on feeding
$300 on entertainment
Total $2,200 which is less than 2000 pounds

Lool, thank you. Appreciate it.

giselle237:
At least you are no longer in your calculation days of 900 pounds for trip cost because that is the horn you were tooting before. Goodluck in yours

Thank you.

giselle237:
At least you are no longer in your calculation days of 900 pounds for trip cost because that is the horn you were tooting before. Goodluck in yours

I get your point, but don't forget that one can certainly get a round-trip flight from Lagos to London today for less than £1000, since the cheapest airfare on airlines like Kenya Airways and RwandAir cost about £600 to £700, then if accommodation is already covered by a host, I'd say about £500 should be enough for living expenses for a 7 day trip (assuming one isn't spending extravagantly), so that's a budget of about £1,100 to £1,200 for a week which is quite reasonable.

giselle237:
The person that budgeted 1500 for a month is not a first timer- they were renewing their visas.
They also have accommodation and feeding covered by their hosts so this money is for flights +/- miscellaneous basically and the ECO knows this and saw sponsor’s account statement as well.
Very way different landmarks would be used to judge.
This applicant is a first timer, it is the hardest one to crack as anything can be used against you. Your analogy is incorrect if you can not justify to the ECO how you came about your £1000 budget for a 7 day trip.
This amount can not even cover the costs of flight tickets from Africa without consuming the whole money. The holiday is not a do or die affair and the visa officer knows this and you as well need to know this.

Apologies for receiving this refusal. First of all, 2,500 GBP is certainly too much for just 7-10 days. There are people who've even budgeted just 1,500 GBP for a month and have been granted visas. I believe if you're earning at least 850k Naira per month in Nigeria, a reasonable budget (excluding accommodation and including flight costs) for about 7-10 days in London should be limited to an amount between 1,000 and 1,300 GBP. Finally, how are your monthly expenses only 150,000 Naira when your monthly income is at least 1 million Naira? Do you have parents/family members subsidizing most of your living costs? Please explain how you derived your monthly expenses. Thanks.

Demmybim:
Hello All,
Please see attached my refusal letter.
I enquired fro. The bank amd honestly they claim it's the different applications used in processing payment schedule.
And also for the budget for the trip.. I mean I had 10m treasury bill, 7m in my salary account, 5m in my personal savings and 6m in a joint account with my mom.
I may be wrong ; but I thought with all of these, spending 2500 pounds isn't too much.
Please I need the input of all the gurus in the house. Is it something I can appeal or reapply? If I have to reapply, how do I tackle these points being raised?
It was a very painful thing for me cos I dint get a refusal mail nor hard copy, just my passport was returned so I was excited I got the visa.
I had to send a paid mail before they sent this refusal letter.

Cc: davodyguy, cashmadam, just wise.
Please I need everyone input

Good afternoon and apologies for receiving this refusal letter. Yes, you should have added your total expenses, i.e. total debits over the 12-month period covered by your bank statements, then divided the total by 12 to arrive at a more realistic figure. If the bank statements cover a three-month period for instance, add total debits over a three-month period, then divide by three. Obviously, your expenses in month A won't exactly match your expenses in month B or in month C, so it's best to find the average over the period which should be stated in your application.

dubaiprince:
Please a quick question on this refusal letter. The applicant has a small business and we explained it is not registered and the income per year does meet the threshold for tax purposes. We submitted a year bank statement and the total inflow was just above N9m. We explained 3 million was a fixed deposit inflow intended for the trip, 1 million from other intra account inflow and 5 million was income from the business.
In hindsight, I think we did not explain the outflows well. My question is should we have added the total debits and divide by twelve to arrive at the monthly expense to be included in the form? This is because part of the inflows were transfers for investment purposes and we thought including investment outflow as an expense did not look quite right. We overlooked the business expenses and only captured personal monthly expenses which was a big mistake.
Your thoughts on these would be helpful as we plan to apply again in April.

Don't worry lol, I'm submitting this month in a few days. I just asked to ensure my budget is not too far off from the budget successful applicants have previously stated for about a week, but I've settled on about 1,132 GBP for a week (including flights and excluding accommodation)., which is a reasonable budget based on the budgets successful applicants have previously stated.

CornOak:
I wonder when you'd finally submit your application with this your over-calcu.

Alright, cool. I'm planning to budget like £1,132 for a week (including flights and excluding accommodation). It might seem like a lot just for one week, but one of the cheapest round-trip flights from Lagos to London is like £632 (approx. 1.2 million Naira) on Kenya Airways, then budgeting about £500 for living expenses for one week, which should be reasonable. To be honest, if flights weren't this pricey, there's no way I'd be planning to spend slightly more than £1,000 just to visit London for a week.

cbn4main:
Budget: £1.5k just for flights and miscellaneous.
Duration: 2 months
Will stay in daughter's house

Congrats. How much did you budget on the application and how long are you planning to visit?

cbn4main:
Yes.
Collection mail dropped on Jan 3.
Passport delivered on Jan 8.

Visit visa (2 years)

Congratulations. How long is your mother-in-law planning to visit and does the £1.5k budget include flights and exclude accommodation?

cbn4main:
Wify(sponsor):

1). BRP
2). Proof of accomodation (tenancy agreement)
3). Proof of r/ship with the person(pictures and birth certificate.
4). 3 months bank statement (Just salaries as inflow). £4k bank balance. Budget for the trip was around £1.5k
5) employment letter.

6). Letter of sponsorship and invitation.
7). International Passport

Mother in law:

1). Employment letter and retirement letter
2). Cover letter
3) International Passport.
5). Bank statement of around N100k balance with lots of irregular inflows. I guess ECOs are not strict on this when it involves a retired and aged applicant

Ah, I see where the mistake came from. You should've added your expenses over the four-month period provided and divided the total by four, then mentioned this in the 'Additional Information' section of the application to clarify how the reported monthly expenditure was determined.

Secondly, apart from your salary, did you thoroughly explain the additional inflows received within this period in a cover letter? Were these additional inflows bonuses/allowances from your employer? How can you have inflows of over 2 million Naira within a 3-month period and not explain the source of these inflows? Please note that all inflows apart from your salary must be clearly explained in a cover letter, so the visa officer doesn't incorrectly assume that the inflows were fraudulently obtained. If some of these inflows were due to transaction reversals, which is quite common in Nigeria, this should also be explained while stating that your bank can be contacted for verification purposes.

Essential01:
This is the spending in 3 months.
December: 627,684.29
November: 1,247,637.08
October: 432,104.23
September: 470,545.84

How ever since salary is 143k, we thought to use amount less than salary

Ah, I see where the mistake came from. You should've added your expenses over the four-month period provided and divided the total by four, then mentioned this in the 'Additional Information' section of the application to clarify how the reported monthly expenditure was determined.

Secondly, apart from your salary, did you thoroughly explain the additional inflows received within this period in a cover letter? Were these additional inflows bonuses/allowances from your employer? How can you have inflows of over 2 million Naira within a 3-month period and not explain the source of these inflows? Please note that all inflows apart from your salary must be clearly explained in a cover letter, so the visa officer doesn't incorrectly assume that the inflows were fraudulently obtained. If some of these inflows were due to transaction reversals, which is quite common in Nigeria, this should also be explained while stating that your bank can be contacted for verification purposes.

Essential01:
This is the spending in 3 months.
December: 627,684.29
November: 1,247,637.08
October: 432,104.23
September: 470,545.84

How ever since salary is 143k, we thought to use amount less than salary

Good morning, and my sincere apologies for this refusal. Could you kindly explain how you calculated the average monthly expenditure reported in your application?? I understand that expenses can vary from month to month, but one approach could have been to add your expenses over the past three months and then divide the total by three. You could have also mentioned this method in the 'Additional Information' section of the application to clarify how the reported monthly expenditure was determined.

Secondly, apart from your salary, did you thoroughly explain the additional inflows received within this 3-month period in a cover letter? Please note that all inflows apart from your salary must be clearly explained in a cover letter, so the visa officer doesn't incorrectly assume that the inflows were fraudulently obtained. If some of these inflows were due to transaction reversals, which is quite common in Nigeria, this should also be explained while stating that your bank can be contacted for verification purposes.

Essential01:
Hello everyone
Please how can I tackle this refusal?

Sorry I forgot to ask. Did this ₦3m for 2 weeks include the cost of flight to and from London or not?

sanyaolurilwan:
₦3m for 2weeks ... Excluding accommodation and feeding.
Monthly salary of ₦1.2M

How long are you planning to visit London? 1 week?

courrage9:
I have a budget of 1000 pounds
Flight- 300 pounds
Feeding- 50x6= 300
Accommodation= 200
Transport and miscellaneous = 200
Is this budget okay or needs adjustment? I’m not in Nigeria so flight fair from my location is within 250-300 range

My friend wanted to accommodate me but her tenancy agreement is expiring a week before my planned trip.

Is it possible to apply without the tenancy agreement?
i.e just her brp, passport and a letter from her datailing where she stays? (She said it’s bill inclusive so no utility bill)

These visa officers can be quite strange, to be honest. I reached out to my bank, and they informed me that they cannot provide a letter explaining the transaction reversals. However, they can issue a reference letter stating that I have been a reliable customer with a good banking relationship for a specified period. Since the transaction reversals of 55,000 Naira and 8,000 Naira are small relative to my monthly salary inflows of 800k+, I will just explain the transaction reversals in my cover letter, attributing them to failed transactions, and attach the reference letter along with my salary account statements.

If my application is still rejected after this, I’ll be convinced that these visa officers are mentally ill.

Jolene474:
I had same issue in my application, I had two reversal of N2,000 and N12,000. This visa officer said I had unexplained deposit and that I had no other job on file and so they can’t ascertain the credit, but I explained severally in my application, do they want someone to lie in an application? How has bank refunds become an issue.
You need to explain clearly, if it’s possible write an email to your bank and ask them about the credit to your account and your bank will likely say it’s as a result of a reversal due to bank outage and also attach it.
That’s why I was refused, but adding this email might help, the reason I’m saying this is because my cousin who will work together is about 39 years old, he got no wife or kids, he haven’t traveled before, he gets paid about N490k monthly and he got no landed documents, he lost both his parents at young age, no ties from no where, except his job, we applied together in Lagos and guess what folks, they gave him the visa, do you know how much was in his bank statement balance, N4M. He had so many unexplained deposits, infact he didn’t even care, he uses the account for everything, but they gave him, me that had just minimal credits into my account, visa officer said No lol.
I had about 5 visited countries, almost a Million Naira salary, landed properties and more.
So I think everybody has a scale at wish they are judge.
But for a fact, everybody’s application is never same.

Just incase you think it’s weird, I’ve his bank statement and his UK visa on my WhatsApp, he asked me to book a flight for him, so everything is possible, yours may work or the visa officer might over a lot just as he did for his.

Don’t UK banks reverse transactions if unsuccessful? Why reversal is a big issue for them I don’t know, they just want a clean slate, they are the ones that promote people having artificial bank statement because you don’t want to see errors… so just explain, add the bank reply email.

Only 2,500 pounds for a whole 5 months in London? Or are you planning to stay outside London in the UK? Cause I'm still struggling to understand how 2,500 GBP will be sufficient for 5 months in London, even excluding accommodation.

Oghosagracely:
Its a 2yrs visa but would stay only for 5months. Statement and declared budget was 2500 pounds but most likelywon'tuse evenupto half cos there's accommodation and food already available.