₦airaland Forum

Nnekkyneks:
Good evening Guru's in the house, thank you all for all the help and advise. I have been reading asking and learning for 4 months now and this is what I have come up with thus far. Pls kindly advise if it's ok 2 complete my application.
History: I applied in 2022 for me and 3 of my kids for vacation, the last time I visited UK was 2011 with my 1st daughter. We were denied because of my bank statement having alot of unexplainable inflows and outflows( wish I had visited here then) I have attached the refusal letter. My understanding from the letter is for me to clean up the account which I have now done, my budget was also a mess. But I have been advised on a better and realistic budget.
Pls help me look thru and advise a sister:
A draft cover letter
I have included my salary bank statement of N3.7m. I earn N1.3m a month, spend 550k and save 750k monthly. I initially withdraw my savings out of this account but for the purpose of saving for this trip I have saved N3.7 as my personal sponsor for my trip. I am also submitting my husband savings account he will be sponsporing with N10.3m

Budget
Mother; Flight £1000 Transport- £200 Entertainment/Shopping- £1000, Feeding £300 Accommodation£1500 for the
Total Spend- £ 4,000.

Kid 1: Flight- £1,000 Food- £300 Transport- £200 Entertainment/Shopping- £600
Total Spend- £ 2,100

Kid 2- Flight- £1,000 Food- £200 Transport- £50 Shopping/Entertainment £500
Total Spend- £ 1,750

Kid 3- Flight- £1,000 .Food- £200 Transport- £50 Entertainment/Shopping- £300
Total Spend- £ 1,550

Total Spend £9400@1,580=N14m
To submit a bank statement with the balance of N3.5m and hubby personal savings of N10m ( with a letter saying his savings for the trip)

My Question;
Is it OK to have the exact amount 4 d trip in the account if I explain am leaving my savings for the trip
For my husband 's savings account too is it OK to have the exact amount he is sponsoring us with as his balance.
Also find attached our last refusal letter.
I think I have addressed the issue by keeping my salary account clean, only inflow is my salary, outflow my expenses or savings(nov/dec)

I want to make sure I’m understanding you correctly. Your budget for the trip is 14m. Your husband has 10.3m in his account, and you have about 3.7m. That makes a total of 14m in both your accounts. Please correct me if I’m wrong, but that’s what I got from your write-up.

If the above is the case, I would advise you to abort mission completely. Your closing balance cannot be the exact amount you intend to spend on your trip. What money will you spend when you come back? Why is it so important for you to spend both you and your husband’s entire life savings on a vacation to the UK? Note that these are questions the ECO will ask, so don’t think I’m picking on you.

A general rule of thumb is to have at least double your trip budget as your closing balance. While nothing is impossible, I believe it would be extremely hard for your visa to be approved with your current realities.

Hi guys!

Does everyone receive a Decision Made email from UKVI?

I have just received a collection email from TLS, but I got no communication from UKVI regarding a decision on my application. I checked my Spam/Junk folder — nothing. I am surprised at the speed with which the application has been processed. I applied last Monday, did biometrics on Wednesday, and now my passport is ready. Less than a week since biometrics. And it was a standard application — no priority service.

I opted for courier, and I'm guessing due to the holidays, DHL will probably deliver it on Friday, at the earliest. I am beyond nervous. LOL.

Bigkenny:
Please what is the average processing time for a UK visa?

Official processing time is 15 working days — about three weeks. Most decisions come within two weeks.

Did you apply recently?

Since you have 9m in your salary account, I’m guessing you have paperwork (like pay slips) that corresponds to how that money was accumulated. If so, my advice would be to use the salary account alone in your application and completely leave out the savings account. Depending on how long you are planning to spend on your trip, you should be able to put together a reasonable budget that could comfortably come out of the 9 million in your account.

Adding the savings account would open you up to unnecessary scrutiny, and like you already said, you don’t have a paper trail as to how you got the money. Don’t cause unnecessary headache for yourself in the process of trying to show you have more than 9 million. In your case, I believe less is more.

Jolene474:
I’ve been asking questions here and mostly get ignored, please you guys should help me scrutinize and assist me.
I’ve my salary account which has a sufficient balance of about 9M and I also have another account which is my savings, I have about 6M there and it has been there for many months now. I really do not know how you guys can best explain this to the Visa Officer, I know I have to explain how the funds got there. While I can explain all the money on my salary account, the savings I got was from December contract I did and I left it there..
How can I best explain to the Officer for them to understand clearly, if anyone has submitted a savings statement along side their application. Kindly advise y’all.

So if someone is applying with their salary account, is it the closing balance that is to be written there as savings?

Thegamingorca:
Yeah it is.


But also try to understand that these ppl live in a world where it is increasingly odd to have more than one account or more than one phone number.

Hi guys.

After imputing monthly salary, the next part of the application says “Do you have another income or any savings?” Am I to input the balance in my salary account as savings? I have only one bank account which I’m going to be using for the application.

Or should I select “I do not have any other income or savings”?

The phrasing of that question is weird.

I don't think we should turn this thread into a beer parlor where we would be arguing over religious beliefs. However, I must say that some religious folks are the most delusional and hopelessly out-of-touch people on the planet. For every one religious person who prayed and fasted to receive some type of positive news, there are countless others who did the same thing and had their hopes and dreams crushed. What then shall we say? Does God not love them? Did his ears stop working when those ones prayed? Are you holier than they are?

We all know visa applications involve some degree of luck. For some religious people, they consider that luck to be God's favor, and they have the right to believe what they believe. But don't come to the thread and be implying that someone didn't get a visa because they did not follow whatever morals you choose to live by. Don't advise people, whether directly or indirectly, that they can break all the rules and guidelines and then pray and fast their way into a miracle.

If we are on a visa application thread — and we are — let's stick to sharing ideas and opinions that are solely rooted in reality.

Thegamingorca:
That's not strong home ties. That's good travel history. Thats a big plus that you've been to alot of countries especially the USA.

The home ties come to play when you disclose the nature of your job to them, how much you earn, your disposable income in every month and the reason why you can't possibly leave your work to go and overstay in the UK.


I just hope you don't intend to leave that 11 million sitting in that account and expect red carpet to roll out for you from the ECO Cos you'll be in for a rude awakening when the time difference between when you started your current job that pays you and now cannot be able to account for that sum of money.

Thanks for your response. I don’t exactly understand what you mean by “you'll be in for a rude awakening when the time difference between when you started your current job that pays you and now cannot be able to account for that sum of money.”

I’ve been working for the same company for five years, and I’ve been in my current position for about a year. I have no lump sums or additional credits to my account except my salary. So I don’t think the ECO should have any issues with my finances or how the money was accumulated. I’m more worried I’ll get denied over ties to Nigeria.

Given all this, do you think my employment is sufficient home/economic ties? Thank you.

Hi everyone.

I am about to start my application, and I need some suggestions on home times. I’m single, and I earn relatively well, with an okay bank statement (about 11m). I don’t own any properties except my car. In my opinion, the only proof of home times I currently have is my employment and somewhat decent financial situation.

What else do you suggest I could use to show the ECO I have every intention of coming back? I’m thinking of getting a letter from my church to say that I’m a worker, and that I’ll be coming back to the church. But I don’t know if that will help at all.

In the last 10 years, I’ve been to about 8 countries, including the US. But I don’t know if that will help in lieu of strong home ties.

Any suggestions?

Hey guys. Could someone please help with suggestions for my situation below?

I’m planning to apply for a visa about six months from now. I’m trying to build my account and want to make it as clean as possible. The only credit to my account is my salary. I earn relatively well, and have very few expenses. I have about 800k disposable income that’s left every month from my salary.

The issue is, the Naira keeps losing value. I want to be converting my disposable income to dollars and keeping it in my dom account instead of saving in Naira. I have a BDC person that I can send the Naira to, and he will credit my dom account with the dollar equivalent. But I’m worried about how to explain this to an ECO when it’s time to apply for the visa. Basically, there will be a huge debit to my salary account (to the BDC) and then a huge credit to my dom account (from BDC).

I’m scared that an ECO will not understand this and might deny my visa for unexplainable transactions that are different from my stated salary and expenditure.

Any suggestions? Should I try to get the BDC to issue me receipts for every Naira debit and dollar credit? Will that be sufficient?

The alternative is to leave all my disposable income in the salary account, but who knows how much value the money would have lost six months from now?

.

.

Aaron321:
Hmmm.. I dont understand where you got this ridiculous conclusion. all I pointed out is him saying cos of fraud, processing time increases..Biko it's caused by too many applications at a period of time...

Actually, frequent acts of fraud lead to increased processing times because they have to scrutinize every document submitted by other Nigerians to ensure they are legit.

Whenever you do something wrong, the repercussions don't necessarily stop with you.

holart92:
I got this mail few days ago from CIC,

I have reviewed your application and documents you submitted in its support. Subsection 11(1) of the Immigration and Refugee Protection Act provides that a foreign national must, before entering Canada, apply to an officer for a visa or any other document required by the Regulations. The visa or document shall be issued if, following an examination, the officer is satisfied that the foreign national is not inadmissible and meets the requirements of this Act.

I have concerns that you have not fulfilled the requirement put upon you by section 16(1) of the Immigration and Refugee Protection Act, which states:

16(1) A person who makes an application must answer truthfully all questions put to them for the purpose of the examination and must produce a visa and all relevant evidence and documents that the officer reasonably requires.

In the current application package, you submitted a bank statement purportedly issued by Zenith Bank that has been determined to be fraudulent

Please note that if it is found that you have engaged in misrepresentation in submitting your application, you may be found to be inadmissible under section 40(1)(a) of the Immigration and Refugee Protection Act. A finding of such inadmissibility would render you inadmissible to Canada for a period of five years according to section 40(2)(a):

40(1) A permanent resident or a foreign national is inadmissible for misrepresentation (a) for directly or indirectly misrepresenting or withholding material facts relating to a relevant matter that induces or could induce an error in the administration of this Act

40(2) The following provisions govern subsection (1): (a) the permanent resident or the foreign national continues to be inadmissible for misrepresentation for a period of five years following, in the case of a determination outside Canada, a final determination of inadmissibility under subsection (1) or, in the case of determination in Canada, the date the removal order is enforced.

I would like to give you an opportunity to respond to this information. I will afford you fifteen (15) days from the date of this letter to make any representations in this regard. Please use the address noted on this letter for all correspondence, and clearly indicate your file number. If you do not respond to this request within the time outlined above, your application will be assessed based on the information available, which will likely result in a refusal.

Thank you for the interest you have shown in Canada.


Please experts in the house, advice me on what to do. Im confused seeing this email..... My fear now is hope JAILING is not applicable Sha

I am not an expert, but let me ask you the obvious question: Did you use a fraudulent bank statement? If you didn't, you have nothing to be scared of. Just respond to the email and try to get Zenith bank to send your statement directly to the embassy. You can ask the bank to send the statement to the email that the embassy provided. Also ask the bank to CC you in the email. If you do this, all should be fine.

If you did submit a fraudulent statement, you will be banned for five years. You won't be put in jail, but you might have difficulty in entering Canada or any other first world country in the future.

makano:
I wanna assume there is something strange about the month of JUNE when it comes to Canadian study permit application for Nigeria Applicants.. Last year, many June applicants waited 7 - 11 months before they eventually got a response/Decision from CIC. Now am seeing some JUNE 2019 applications in their 9 - 11 weeks... I just pray this year wait for the JUNE applicants wont be as terrible like that of last year, cos it wont be funny at all.. I know what am saying.. Wish u JUNE applicants speedy response... Peace

Actually, only few June applicants are left. IRCC seems to have responded to most guys. It's just sad that the responses were negative for the most part.

You are probably right though. There seems to be something wrong with applying in June/July for September resumption.

sterlingwaterlo:
After medicals reading for 4weeks plus, bvl dropped this morning and my medical changed to we do not need a medical... Mehn it is well. Nairobi VO no nice at all

Sorry about this. I think I am beginning to believe that quota gist. It seems they were ready to send you a medical request and then they changed their mind probably due to the quota.

These Canada folks are seriously messed up.

Is there anyone who applied online in July and is yet to receive a response?

It seems like most July applicants who have been responded to were paper applicants.