₦airaland Forum

What of the large unknown credits in your bank account? That's usually a problem for them.

verygudbadguy:
Greetings to y’all. I just received a refusal letter. I think the ECO made a mistake. He/she took 8,000,000 for 800,000 in my yearly investment income and based the judgement on the fact that my travel budget is 4x my monthly income which is not true.

I also submitted a cover letter stating that the funds i moved into my personal account are from my corporate account and are incomes from my own business.

Pros in the house, kindly advise.

But they clearly wrote it in your refusal letter that you can appeal
Just make the required changes as @leef had advised

Muyizie:
So I can’t appeal again?

So sorry about this @Gentlesoul3268. I have a question though. Is 1.9 million naira sufficient for a trip of 4 people? Also, how long werethey meant to stay?
Also, did you add your account statement? Because, how sure is the ECO that the 1.5 million you sent to your wife isn't everything you had? He/she needs to be convinced of your financial standing as a sponsor. This includes your account statement, your payslips and details about the your source of income. The ECO needs to be assured that her husband is very comfortable financially.

Also, apart from the monthly deposit, did your wife provide payslips from her company? Did she include a letter of introduction from her employer?

To be honest, I would advice that instead of your wife travelling with all 3 children (which may look suspicious. As if she wants to run away). Why not travel with maybe just the first child and return. When applying with the first child, she will make mention of how she still has her 2 youngest children in Nigeria e.t.c (make the stay not longer than 2 weeks).
Then the next time, she will reapply for a 2 year visa (because she is now trusted by the UK after having returned while on a 6 month visa) and when she's reapplying, she can decide to go on vacation with the youngest 2 children and leave the first born in Nigeria.
I remember when I was very young and my dad who had been visiting the U.S for many years took all 4 of us for their visa interview. We were denied straight! Most times, the visa officers think that a parent wants to travel with all their children and never return (and let's be honest, this is usually the case with a lot of people).

Building trust with these countries requires patience. Your family needs to gradually create a travel history with them. I had to learn this through my own family's story.

Gentlesoul3268:
Hello house I applied for my wife and my 3 kids on Nov 11 , the refusal letter just drop now very funny lol, although I transferred 1.5 million to my wife account and wrote sponsorship letter and what the money meant for to support my kids and my wife.
Out of the 1.5m I support my wife with 300k and the 3 kids with 400k each.
Note: my wife personally stated that she I'll adding 400k from her money plus 300k sponsorship from me out of hr 1.5m, making 700k for her trip cost
I wrote a sponsorship letter for each of them
I even wrote inside Extral information in application form that I transferred 1.5m to my wife acct

See the below refusal letter

Salut tout le monde!!! It's been a long time that i've been on this thread. The wait for FSW draws has been really frustrating and it's also very discouraging that I've been in the pool since 2019 and in June 2021, I finally achieved 506 score thanks to French.
In year 2023, my French exam will expire and we still don't know if there will be an FSW draw before then. I haven't even gotten PNP because my score is "too high".

The worst part is that IRCC just released a statement saying that they don't plan on doing FSW draws anytime soon and that the processing time for PPR is now about 36 months!!! I can't waste 3 more years of my life waiting for them.

So, I've decided to take the school route. I will apply to schools in Canada and hopefully, I can get admission for September 2022 resumption.
Although, I don't regret learning French & writing TCF because this is a skill that I will have forever & ever. It's just a very depressing situation.
I wish everyone learning French good luck but if you can take the school route after writing TEF or TCF, please consider it because the IRCC backlog seems endless.

Amen ooo! Thanks sis

Christabeliciou:
@Cutebear, Whatever the delay it will all end in praise, your collection mail is closer than you think from now.

I think you're on a visa and not on a permit. You are required to leave before the expiration of your visa. My grandma (rest her soul) had a dependent uk visa like that. She was a dependent of my uncle.

DhammiBB:
Good day everyone,

I just got a mail response from UKVI,
Pls what does this mean..? Does that mean I have to leave the UK after 6 months..? I applied for a dependent Visa and my hubby course ends in May 2022 tho he still has the right to stay till Oct 2022 as stated on his BRP card
Anyone person who has an idea pls.

Pls help out.



MAIL ATTACHED BELOW

This is a gamble seeing that UKVI already has your previous business information. It may look dubious if they decide to do a little bit of digging.
Insights from other group members are welcome.

Sus4:
Good afternoon house, My uk visiting visa refusal was as a result of my business name being inactive on CAC business registration portal , as I have not filed any anual return for 14 years.
Considering the cost implications of reactivating my current business name , I would like to register a new company with a different name for my next visa application, please will it go well ? Thanks

Hello @7031646386. I have gone through the recent replies and I believe that @giselle237 & @AmeliaT have both given enough scrutiny of your application based on the refusal letter. Kindly take note of these. You can reapply once your circumstances change.
You should also visit other countries like South Africa, Dubai & Turkey before reapplying to the UK. This will further solidify your financial standing with the ECO

I called UKVI today. The said that my application is awaiting a decision. I asked the guy what that means and he said it means that my application is being reviewed and they are going through the evidences in order to make a decision. I wonder how long this review will take

There are so many points to address in this refusal letter. I'll come back to it once I close from work

7031646386:
I also just got denied. I did my biometric on the 3rd of November.
Pls kindly check the refusal letter for any candid advice/ resolutions and how soon should I reapply.

I'm so sorry about this See how short your refusal letter is sef. That means they didn't even find many reasons to deny. From what I can see o, the ECO is just being wicked. They just pretended like they didn't see your savings account and your cover letter because this refusal makes NO SENSE at all!!!

tosino0000:
I just got a refusal letter. Their judgment was based on my salary account(This was attached to prove that I earn in $$ because my savings was in Naira and it does not reflect my salary) Please note that I attached my savings account too which has about 4.5M and I wrote a letter to explain this

Hi Touyin, did your husband provide his bank statements and payslip to support you as the sponsor? Including a letter of sponsorship.
Honestly, a budget of GBP1,500 (depending on the number of days you plan to stay there) is okay but the ECO is now comparing that to your monthly salary. Although, people who earn 150k are still given visas. Especially since your husband can be the full sponsor of the trip.
Also, there are unexplained deposits in your account. The source of these deposits could've been explained in a cover letter.

touyin:
The decision
I have refused your application for a visit visa because I am not satisfied that you meet the
requirements of paragraph(s) V4.2 of Appendix V because:
 You state in your application that you wish to visit the UK as a tourist and you are
employed in Nigeria with a monthly income of NGN151423.81 (£266.72).
 You state that you have no other income or savings and indicated that you have
£1500 available to you for your trip. However, this is 5 times your monthly salary
before any expenditures. You also stated that your husband will support you
financially for the duration of your visit. However, when processing your application, I
have to take into consideration your own circumstances when making my decision. I
note that you have provided bank statements in your name showing a positive
closing balance. However, the statements show unknown transfers and credits
coming into the account. From the information provided, I have been unable to
establish the source of these funds and that they are available to you for your own
personal use.
 As such, from the information provided, I am not satisfied that you have provided an
accurate portrayal of your current personal and financial circumstances nor satisfied
that your intentions to visit the UK are as stated and that you will leave at the end of
your visit.
 In light of all the above I am not satisfied that you will leave the UK at the end of your
visit; are genuinely seeking entry for a purpose that is permitted by the visitor routes
and have sufficient funds to cover all reasonable costs in relation to your visit without
working or accessing public funds. Appendix V4.2 (a) (c) and (e).

It depends on the reason for the approval. Some issues can be addressed immediately while some will require waiting over 6 months. You can post a screenshot of the refusal mail so that we can assist.

beautyuche:
Hi Guys I got refused Friday last week. How long should i wait to reapply

So sorry about this Touyin Kindly post the refusal mail so that we can all join heads together to address the issues. Make sure to cover any personal information like your name and business name.

touyin:
Just got a refusal mail too

Ah!!! I'm losing hope o

Tamitee:
Hmmmm...October 14 still here too..God will remember us soon

Today makes it 41 working days for me

If you don't open a business bank account and you resubmit even when your application is top notch, the ECO will use that as the next reason to deny you. They are always looking for the smallest reason to deny us. The best thing to do is to give them NO REASON. You need to put them in a tight corner when you reapply.

Sus4:
Much appreciated.. but about the business account, Its a business name i registered with cac , so i thought i can't open a business bank account with it , I can only do that with full business limited liability . The previous visas I got were with this business name certificate

That was over 10 years ago. A lot of rules have changed since then.

Sus4:
The previous applications I made that I was granted, I submitted this same personal account

Huge congratulations to you!!!

Sykia:
Good News Fam!

I am so elated today. After the long wait (49 working days), finally picked up my passport. May God be praised.

Sent a paid mail to UKVI on 6th Jan asking for application update I was told it was still awaiting decision. Sent another on 12th Jan and was told a decision has been made that i should wait for 10 working days to be contacted.

Biometric- 2nd Nov
Centre- Abuja
Transferred to VAC/Received by VAC- 14th Jan at 10am and 1pm respectively
Collection mail- 14 Jan at 12:30pm
Collected- today, 17th Jan
Visa stamped- 12 Jan
2 years visa granted

This thread was indeed helpful before after application. Thank you Debbie, Brenda, and everyone always here to help and to boost morale.

To everyone still waiting, hang in there a little more as you’re next!

First of all, you have to resolve the issue with the registration of your business with CAC. They mentioned that on the CAC website, your business status is "inactive". Many people in the past have been denied based on this.

Secondly, remember that huge sums of money entering your account right before your submission is always a red flag. It doesn't look genuine. The ECO even mentioned that you weren't receiving these payments for the first 5 months of your bank statement but you suddenly started receiving it. Does this mean that the business you were doing was never practiced in those 5 months? Also, did you show solid proof to the ECO about your claims of being a musician?

Also, the ECO believes that for someone who is married with 3 children, you need enough funds to travel and also take care of your family even after your trip.

So basically;
1. You need to solve the issue of your business status on the CAC website.
2. Before your next submission, open a business bank account and start running it for the next 6 months. You should also start paying yourself monthly salary from the business account to your normal salary/personal account (pay the same amount to yourself on the exact day of each month). Remember, based on several refusal letters we've seen on this thread, the ECOs believe that having a business account doesn't prove that you have access to the money. That is why you should pay yourself salary. As far as they’re concerned, the money in that personal account is the only money you have access to. Let the salary be reasonable sha. Not that the business earns 500k monthly and you will now be paying yourself 400k monthly. What else is left for the business??
Don't forget to add receipts and invoices from sales and transactions you've done.
3. Clean up your personal account and make sure that there are no large/unexplainable deposits in the account (apart from the salary you pay yourself).
4. Don't reapply before 6 months time so that you can ensure that your personal and business bank accounts are bullet proof from beginning to the end.
5. Before you submit, make sure you come back to this thread for advice from everyone. Ask all the questions you need

Sus4:
Hope it's ok like this

Wow!!! I'm so sorry about that

Sus4:
Am so downcast, I just got a refusal mail

I think he means his visa expired 2 years ago. So he's now an illegal immigrant. If i'm wrong please let the OP clarify this for us.

Gentlesoul3268:
Sorry is this applicable to you I saw it online ?

International students can stay in the UK for 2 years after graduation with new visa. The UK government has confirmed that from 1 July 2021, international students can apply to live and work in the UK for up to 2 years after graduating with the new Graduate Route visa.1 Jul 2021

Someone that did Dec 30th recently got a decision. Some people have been waiting for a decision since October. I’ve been waiting since November 17th. There are different timelines here.

ToyosiR:
Hello All.

did anyone have biometrics done on the 20th of December, 2021?
Have you gotten decision mail on your visa?

Yes, hotel for 7 days will obviously require less funds than hotel for 2 weeks

Gentlesoul3268:
Hotel and flight is the main thing that will determine your trip cost

In fact, she should put 7-8 days sef. In order to reduce the money needed.

AmeliaT:
Yes it is but make sure your application doesn't claim you want to go there for 3 months or anything that may sound sinister. 2 weeks is ideal.

That was quick! Didn’t you do your biometrics just last week? Or was it a priority application?

Also, kindly share the refusal letter so that we can all join heads to analyse it and give as much insight as we can. So sorry for this refusal. I know this feeling too well

beautyuche:
Confused just got refused visa. Still cant understand.....

Good morning. Yes

Mikhaa23:
Good morning everyone, is this group for UK visitors visa?

Register your business, open a business bank account and start running it for the next 6 months. You should also start paying yourself monthly salary from the business account to your normal salary/personal account (pay the same amount to yourself on the exact day of each month).
Remember, based on several refusal letters we've seen on this thread, the ECOs believe that having a business account doesn't prove that you have access to the money. That is why you should pay yourself salary. As far as they’re concerned, the money in that personal account is the only money you have access to. Let the salary be reasonable sha. Not that the business earns 500k monthly and you will now be paying yourself 400k monthly. What else is left for the business??
Also try to keep your salary account as clean as possible. No random large deposits from people. If not, you will have to explain the sources of those funds to the ECO. Let all unexplainable deposits go through your business account.
In addition, try to have sales invoices/receipt of sales.
You don’t have to show all…just some as extra documentation.

akin2310:
Hello house, I intend to apply for a UK tourist visa against Easter holidays and I am bit confused because I've a company registration which I registered as a enterprise (sole ownership) but I run my business with my personal account. So I want to seek advice, if it is advisable that I submit my personal statement with my application as source of proof of funds for the trip or I should try open a company account on the company information?

Congratulations!!!!

Olawales93:
Submitted application: Nov 15th
Biometrics: Dec 2nd, Ikeja
Paid for Courier Return: Dec. 6th
Travel Documents Ready for Collection: 6th & 7th Jan
Received our passports from DHL: 13th & 14th Jan
6months visa approved.
Mine: Second attempt after refusal March 2020
Wife: First Attempt.

Thank you everyone, as the thread was really helpful in preparing our applications.

Childhood pictures taken together even up to adulthood.
Also, it might be advisable for your sister to visit other countries before reapplying to the uk.

Cycloe:
Apart from birth certificate and WhatsApp conversation, what else do you suggest ?

It’s raining visas and passport collection mails!!!
Baba God remember your daughter who submitted since November 17th oooo

Jesus

lemade:
August 5 still expecting