₦airaland Forum

crackcrack:
@bjay08

If I’m understanding your write-up correctly, the ECO mistakenly claimed the balance in the First Bank account as that of the Polaris account. They did not realize that you submitted two bank statements from two different banks. Even if that’s the case, I don’t think that error is enough to have your mother’s visa refusal overturned.

According to you, if the ECO had looked only at the Polaris account with 400k, they would have seen only pension payments consistent with what was declared on the VAF. While that might be true for the Polaris, what about the 4.1 million in the First Bank savings account that you submitted? Where did that money come from? Was proof submitted for the origin of those funds?

I think this is a case where, yes, the ECO made a mistake, but if you complain or file a PAP, they would probably deny it again and send you a better-worded refusal letter.

it's her savings account over the years, she is retired...it was a 6 months statement. Nov to April..Or would it have been better as a one year statement? She moved the bulk of her savings to First bank after all the Skye bank problems awhile back.

I recently applied for my mum to travel to the UK but her visa was denied. Though I noted some errors in the refusal documents, but I just want to find out if PAP will be a good step to take.

You have stated that you are travelling to the UK for 1 month and 11 days to visit
your family. I have considered the documents provided and written statements you
have made, but I am not satisfied you have met the requirements of the Immigration
Rules on this occasion. You have stated that you are retired and receive an annual
pension of 1422962.04 NGN (£679.40). You have also stated that you intend to
spend 1500000 NGN (£716.18) on your trip (£1 = 2,094.44 NGN Oanda 16.06.2025). - [/b]She has a savings of over 4.5 million
• In support of your application you have provided a UK sponsor invitation, pension
document and Polaris bank statement containing your name dated November 2024
to April 2025 displaying a closing balance of 4178138.28 NGN (£1,994.87). [b] An error here as the Polaris pension account balance is 400k+ and the first bank savings statement is 4.1m....
I have considered not only those documents stated above but all of the documents you
have provided regarding your circumstances.
• You have provided a bank statement from Polaris bank. However, there appears to
be deposits within the account not in line with your declared pension income per your
application form and whilst I acknowledge the presence of what appear to be pension
deposits the origins of the other deposits, some of which are large, are unclear. [b][/b]there are no large deposits, just basically increments on the pension and arrear paid. The largest deposit is 80k , others are pension increments "
The
documents and information you have submitted in support of your application
indicate significant differences between actual income and the income stated on your
VAF, you have declared no additional income and due to these discrepancies and
based on the documents submitted and information available your personal and
financial circumstances do not appear to be as stated.[/b]again an oversight by the ECO as the Polaris account balance was completely disregarded
• I have considered the documents and information you have provided about your
personal and economic circumstances. You have stated you are visiting the UK to
visit family and thus have demonstrated strong family ties to the UK. However from
the information provided it does not appear that you have any remaining family ties in
Nigeria to return to [b] I included my father and two of her children still here
and whilst I acknowledge you have provided an affidavit to
declare you own property this is not accompanied by official ownership documents
issued by the authorities to confirm this declaration. [b][/b]must C/o be attached here?

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