Pls ask your husband to confirm the limit on his card. Some banks reduced spending limits to $500 per month a few weeks ago. It might be the reason why payment is declined. Alternatively he might want to use a domiciliary account card to make payment.

solaek:
Good afternoon people. Please I need to ask if there is any problem with online UK online visa application at the time or the problem is just perculiar to us. My husband received his COS last week and he has been trying to submit his Tier2 visa application since then. The problem arises at the stage where he had to make payments for IHS. The system keeps telling him thus ' PAYMENT DECLINED, CONTACT YOUR BANK OR CARD ISSUER'
He contacted First bank, they said he has no problem with his card, that it could be a problem with the IHS platform. He tried using another bank account, yet, same problem.
I need your help with this please.
Thanks in anticipation

Good evening and Merry Xmas. Kind assist needed. My 2011 Accord shows "DVD disc reading error, consult your dealer" on the Navigation Screen. Please how do i solve the problem? Thank you.

Kindly note that it is not true o, Dubai has no age restriction for visas. Nigerians can get their visas as before. if you are in doubt, kindly call Dubai Immigrations on +97143139999 to enquire. better yet, call Emirates Airlines; they would ordinarily know since they belong to the govt of dubai and they say they arent aware of any such age restrictions.

justwise:


1. That is not really necessary.

2. Yes he can do that, it will not harm her application but increase her chances.

3. Since you will be picking up the bills she does not necessarily need to add her own bank statement but if she has a reasonable amount in it then its ok to add it.

4. Proof of accommodation for her in the UK, if her son lives in 2bed room flat/house then he should add the tenancy agreement or proof of hotel booking for her.

Thanks alot, Justwise, as always. I made a reservation for her already in a Hotel close to the University.

Happy Holidays

Belated Merry Xmas and Happy Holidays, everybody.

Kind assistance required. I wish to sponsor my 62 yr old mother inlaw to visit her master's student son in manchester come April. She was a business woman but has been inactive since she turned 60. Retirement you could call it. Her retiree husband has other wives so sponsoring her isnt a priority of his. my questions are below:

1. Does she need any letter of consent or so, from her husband?
2. Will her son in Univ of Salford (on PTDF scholarship) need to write a covering letter attaching his school ID etc, in support of her application?
3. Since i intend to cover all expenses, will she need to attach her bank statement to the application?
4. Outside of my bank statement, assets papers, employment details and a covering letter, do i need to attach any other thing?
5. Are there things i am missing outside of those above?

She has lived in the US in the past (has an american first born sef) and last visited US and UK 11 yrs ago. Her most recent trips were to Dubai and China for business.

Kindly assist in filling in any gap i am not noticing in the application.

Thanks and Happy New Year in advance.

What are you going for? Training? Conference? Interview etc? Are you sponsoring yourself or being sponsored? By an organisation or an individual? Will they cover all expenses or some? will you go alone or accompanied? what documents were you sent by the organising entity? Sorry i am asking, but the more info you provide the easier it is for good people here to properly advise you. For me: All expeses paid by my employer- a govt agency, so no bank statement from office obviously. i attached mine cos am going with family for only a week and i had abt 650k but not for 28days like tier4. My employer gave me intro letter saying they will cover all my expenses save for my family's and i also had training invitation letter from the course organisers in the UK. i also attached employment letter, marriage cert, birth certs, landed property papers, payslips, travel insurance, etc to prove social and economic ties.

easytalkwitbabs: Congratulations brother! I have been searching a student visitor visa applicant and thank God I'm able to see one now. Please Bro, what are the lists of documents you submitted? And I really wanna know about the bank statement you submitted? How much did you have in that bank account and is it 28days bank statement like that of tier 4? Please kindly help me with full details. God bless you!

Thanks alot, sir. You should be celebrated.

justwise:

Congratulations! i'm glad it worked out in the end. Safe journey.

Hello, everyone. VFS Ikeja rocks. Just picked up my Student Visitor visa up this morning after 8 working days. Goodluck to everyone expecting goodnews this week. Thanks also to Justwise, VicJustice and Co for all their Assistance

Hello, VicJustice. i am back to tell you the outcome is a Student Visitor Visa for me and Tourist Visas for my wife and kid. Thanks for your constructive criticism, i know you meant well even as i was fairly certain you got the advice wrong. Justwise, Thanks alot as always. This is the 3rd time your advice has helped me and mine. God bless you guys here for all you do for applicants.

Vicjustice:
It is an absolute different case if someone who has a family is travelling abroad to study for a considerable period of time compared to someone who claims to want to travel for official purpose under his employer's sponsorship for just one week and yet wants to take his whole family along (at the expense of his entire savings).
If you doubt me, then you may proceed with the applications: but please, come back to tell us the outcome.

Vicjustice: I have no doubt that your visa application will be refused altogether with your wife's and kid's applications for the primary logical reason that you claim to be applying for a visa on official ground, but your decision to take your whole family along (with tourist visas) would be deemed unprofessional especially as you do not seem to be having your company's approval: and because the purpose of you and your family's travel can not be specifically clasified, it will be reasonable for the ECO to refuse all of you considering that you are tempering business with pleasure, or that your intending purpose is something else.
Secondary, your financial circumstance doesn't look great for a person who wants to take his family abroad for a good time order than something else.
Talking about 500k, what would be left after buying flight ticket? Visa officers are not encouraged to approve visas to applicants who would have no money to sustain themselves when they return to Nigeria.

VicJustice, I completely dis agree with your primary logic and I shall explain as follows:

1. UKBA stated that only tier-4 applicants can come with "dependants", student visitor applicants' spouses/family must apply as tourists separately to come along.

2. Most university websites have detailed explanations on all possible student visas too. I found that there positions are same with UKBA's, which is: wife/child of student visitor visa applicants can't be "dependants" like tier-4 but must apply as tourist to accompany student visitor visa applicants.

3. Most colleagues have successfully used this approach to travel with their spouses/kids in the last few yrs! In fact, employees of sister agencies use the same method too, successfully.

4. The trainer (internationally known) was also contacted beforehand and with their decades of experience, advised the same thing!

I partially see your point on the secondary reason of finances but I wish to tell you the following:

1. Its a 1 week course only as stated earlier. So salary/allowances don't stop due to it.

2. Since, as stated earlier, I am entitled to a return ticket from my office. My wife and child's return ticket is in the region of 180k return, for late October. Am unsure how that bankrupts me with 500k.

3. UKBA knows from experience that civil servants on sponsored foreign courses are entitled to estacodes. Especially staff of govt agencies who are reasonably well paid. These foreign currency allowances I assure you, are generous enough to cover us for a week and have good change left.

4. I could agree that the ECO might not consider the estacode as earned yet and not have it form "available funds" (even if the intro letter from office says how much it is). For that, 500k will be small for us all.

5. Kindly consider that the acct has regular inflows from the office (salaries and allowances backed by payslips and supported by bank narrations on the acct) which will make the ECO not consider just the sitting balance.

Thank you.

justwise:

1. Yes you have a visa already but use the blank space in the form to indicate the type of visa you have

2. Yes 500K is enough but you need to draw list of places you want to take your family to in the UK and budget the cost....accommodation, feeding, transport and shopping.

Will do as advised justwise

Thanks as always

justwise:

Will your company be paying for all of you or just you?

Just me. I shall be responsible for my wife and child but my employer is responsible for me. Also the estacode I am entitled to, is quite generous enough to cater for us all and still have change.

Good afternoon, group. I am scheduled to attend a 1 wk course in London in October. This course is sponsored by the govt agency I work with. I am also entitled to air tickets and estacode to accommodation, feeding etc. I wish to travel with my wife and infant child. I wish to apply for a student visitor visa for myself and tourist visas for my wife and child. I have a 2yr tourist visa myself which will expire in 2015. My questions are:

1. On the form where my wife is asked "does your spouse have visa already"? Should she say yes because of my tourist visa or NO bacause I don't have student visitor visa yet?

2. My account has done inflows/outflows in excess of 5 million since January 2014 all traceable to my employers as salaries/allowances. However I currently have about 250k sitting balance and will have about 500k by month-end. Can I apply with just 500k in acct, writing in section 8 of the form that my employers will give me estacode that will supplement the 500k?

Note that I will have a letter of intro saying the employers shall cover all expenses for me but I shall be responsible for my wife and child.

Thanks in advance!

Emirates is very very cool to travel o really. They are very comfortable especially their 777 ER from Lagos. Plus you have snuff to chop and drink and their movie selection is current. The downside is the almost 14 hrs it takes to gt to london. However, if you connection takes longer than 6 hrs (or so), you are giving 32 hr visa to enter Dubai, a room in their hotel+feeding(buffet). Nice experience all round I had.

MrsBee, I was once rejected on financial grounds too.i know how bad you must feel, I did too. But after a while, I objectively looked at the refusal and I understood why. We always have to put ourselves in an ECO's shoes and ask ourselves what can disqualify this application before submission. From what I can deduct, your applications were refused for these reasons:
1. Your husband didn't apply when he had verifiable money in his account. As a banker, he should have applied maybe, around when his upfront is paid or he should have kept enough of it remaining in the account at the time of application, to cover your trip and still have some left in the account for maintenance when you get back. Applying when he had only 32k verifiable leaves questions and no answers.
2. Depositing funds around application period that are not in keeping with account history is a red flag. It is even worse as he didn't explain the source or origin of the fund. The ECO is right to think that money isn't for the trip but to window-dress the account. He should have explained in detail where the fund came from and why it is available for use for trip. For example, if it was a fixed deposit proceeds, he should have attached the expired or terminated FD certificates in support of his explanation.
3. While its not crime per se, not to have any travel history, it didn't help your cause that your first foray to obodo oyinbo is to a country that has plenty of history of Nigerians willing to do anything to leave for greener pastures. On the balance of probability, other factors like the lack of sufficient funds, money lodgements etc didn't help ECO overlook the lack of travel history.
4. For you, the money available for the trip has to reflect verifiably in your account, and it didn't. While very application is decided on h
It's merit, your initial rejection might not have helped matters. It is strange that the UK will reject you first one simply because you applied alone. Plenty of spouses apply and travel alone, so there must be more to it than that.
My advice would be that you guys reapply after sometime when you would have sufficient funds in the account to cover the trip and still have some left for upkeep. It helps that you plan to travel elsewhere now as it builds travel history. Any sudden lodgements around application period should be avoided or be strongly explained with supporting evidence. Please do your arithmetic so that the money in your account then, should be more than necessary or justifiable because the ECO will give you that "more than x times your stated income" speech.
Kindly go through this thread as you have all the advice and information you need for a successful re-application. Justwise offered me all athe help I needed to be successful in my re-application and I am so enjoying my 2 yr multiple.
Best wishes.

i am looking for a 1bderoom or 2 bedroom flat around University of Ibadan. Any available?

Happy Birthday, Justwise. Many happy returns.

I think the big issue here is the intention. If anyone intends to build-up an account for visa purposes, no one here will help him/her. This forum is for genuine people looking for assistance on UK visa not people trying to circumvent the system. That's why Nigerians have a negative image on visa applications thereby making genuine applicants to suffer undue scrutiny. Justwise, don't mind his type jor.

Justwise and VicJustice, i dont know how to thank you guys. Remember i was denied a 2yr UK visa in October 2012 and you guys advised me on wat to do. Am happy to announce that i just picked up my 2yr visit visa dis afternoon. I appreciate all ur assistance. Thanks aplenty!!!!!!!!

Thanks aplenty. I will re-apply next year during my 2013 leave as this one hasn't enough time to accommodate a re-application.

Justwise, am in my 3rd year with the company. It's an agency of the Nigerian government. Am a public servant.

VicJustice what do I do now?

Good evening all. I applied for a renewal for me and fresh tourist visa for my wife and my daughter, 3weeks ago. I got a rejection today which shocked me really. The ECO wrote " you have made available for the trip 1.2m which is about 9 times your stated monthly income. This cost is disproportionate to the benefit you would obtain as a tourist and am unsatisfied that your trip is realistic in your case. Therefore on the balance of probabilities, am not satisfied that you are genuinely seeking entry or that you intend to leave the UK at the end of the visit". Here are my concerns:
1. My total emolument (even stated in the intro letter from my employers to ECO) is about 6m, broken down into monthly salary of 140k and various allowances which account for the rest.
2. I attached a schedule of travel expenses which indicated that the trip will cost us around 650k from the 1.2m available then.
3. I included my employment letter, promotion letter, leave letter, staff I.D copy, all to prove employment and landed property to prove ties.
4. My bank statement had a turnover in excess of 4m in d 6 months directly traceable to my employers even from the bank narrations.
5. I attached tour bookings and places to see in London etc.
6. I didn't break any laws or cause any trouble the first time I went.
7. I gave detailed explanation of my finances in section 9 of the form, making sure I tied every inflow in my account to a particular allowance etc
8. The current account I used is solely for official salary purposes only.

Please, what did I do wrong? Was the ECO just having a bad day? What do I do now?

VicJustice and JustWise, this is for you. Please be aware that you guys are fake agents/visa touts enemy number one due to all your assistance on visa issues. We are very grateful. Don't let them discourage you at all. That's what they want so that their market will come back. Please don't mind them else they win. Keep up the great work and God bless.

Thanks alot, VicJustice. More grease to your elbows. God bless

Hi, VicJustice. Quick clarification needed on this "Money Lodgement" issue.i asked you earlier in the enquiries group but the shorthand language you deemed confusing. sorry abt that. My annuals (as stated/broken down in employer letter of intro) is 6 Million made up of salary (180k monthly) and various allowances. On a particular month, we received an allowance into my salary current account which i put into fixed deposit with the same bank so as not to overspend. I ask you, if i liquidate the fixed deposit 2 months to application and the bank credits back into my salary current account (where the funds were taken from initially) with the proceeds, would it still be "Money Lodgement"? kindly note that 1. the trasaction is directly traceable to the account, 2. all my salary and other allowances go thru the account, so there is history of income and expenditure over a long time, 3. i shall attach with application all the fixed deposit certificates given for the period as well as a detailed explanation refering to the bank statement on when the funds were debited by the bank and were credited back too. 4. The funds is good enough to sustain us for the trip as well as have something left for after the trip. Thank you.

JustWise kindly assist wit this. Tnx

beejaybida: Ok justwise, I noticed those places. My question is, after providing their details on the form I need to also put my wife and baby's international passports too for stamping as well as pay visa fees for myself, she and the baby? Right? Tnx

Ok justwise, I noticed those places. My question is, after providing their details on the form I need to also put my wife and baby's international passports too for stamping as well as pay visa fees for myself, she and the baby? Right? Tnx

@justwise, you mean I will fill only one form for the 3 of us? That means a single application accompanied by 3 passports and visa fees for 3 of us? Tnx.

JustWise hi. Pls in applying together wit my wife and baby, whose application contains the original marriage certificate? Should it be mine as the lead applicant and hers have the photocopy? Pls how is it done? Tnx

justwise:

One million should be enough but don't forget to break it down for the ECO

@Dalobaba, u need your sponsor to write a letter also, saying he will cover all your expenses in d UK. As a student, am not sure it matters really as students are not expected to have savings. when i applied for ma wife, i put a detailed sponsorship letter for her including a breakdown of what i expect to spend on her.