₦airaland Forum

Nsiehi:
At Ogas Justwise, Ekpotek and other gurus in the house, please I need your advice on.my rejection letter.
I submitted my application on the 24th of January, did biometrics on the 27th of January, got a message to pick up my passport on the 12th of February. I picked up my passport with a rejection letter enclosed. Reasons for rejection are as stated in the attached rejection letter.

Documents submitted:

Filled application form
Cover letter detailing itinerary
Bank statement of account with an equivalent of a little over £17,000
Last 6 months payslip
Hotel booking
Flight booking
Employer reference letter.

I am single, I wanted to have an 8-day vacation in London.
Please where did I go wrong?

The ECO did not believe your travel purpose as a tourist.

buddiemm:
Good morning justwise, Ekpotek and all other gurus in the house. Please I need this information for my sister. My sister went to the UK as a Tier 2 Minister of Religion migrant in 2012. She came back to Nigeria because her sponsor's license was revoked and couldn't renew her visa, she didn't overstay. She just got a new job as a Minister of Religion migrant and she want to apply for the visa. The question is this. Did she still have to send her degree certificate to UKNARIC for evaluation inorder to meet the English language requirements or she doesn't need to. [b]Because she said she read it somewhere in the guidance that whoever has been in the UK as a Tier 2 migrant in their PREVIOUS GRANT OF LEAVE will be awarded 10 points automatically for English language. [/b]Please we just want to be sure so she won't submit an invalid application. Thank you all.

Yes that’s true. Read section of 150 of the link on english language requirement posted by Justwise.

AbdulKola:
Settlement Visa was our target too as she is working now for the threshold and in the next six months we want to apply for settlement visa but only decided to do visiting visa meanwhile as her younger sibling kept complaining everyday by day to mind our child. Even to just take him from nursery is a big deal for that her sister this days. So we thought if I could come through visiting for now and take care of our son meanwhile while she focus on her job..

Alright so no go area on the visiting Visa then.
Please can you explain more to me on the Surrinder Singh route but I think that one is a long short. But still let me hear how it can work for us.
If not we will have to find a way to wait till we then apply for settlement visa again.

Thanks

PM me

AbdulKola:
Good day lovely people.
Please I will need your advice on the best way to present my case to get a visitor visa to visit my wife and kid (both citizen)..
I earn 130k monthly, some allowances once in a while like in Feb abt 200k allowance. For the past 6 months have been earning income of 400k to 700k every month my salary included. But this other income is from informal business like I invest in supply businesses with 3 different people whc have started to earn profit regularly into my account.. But my salary job is still 130k.
My wife started working 3months ago in the uk with over £1600 per month.
I intend to remain upto 1m in my account in the month am applying for the visa which is next month precisely.
The 1m will include my salary leave allowance about 300k then from my other business about 300k estimate and will remain some amount from this month to add to next month so as to make about a million plus.
This my other income I don't know how to present the evidence as it's just an informal kind of business.
My bank statement is available, leave letter from my employer, my payslip, my wife's bank account and invitation letter.
My other concern is that I have been refused twice. 1st one was on settlement visa as my wife do not meet the financial requirement then as we just risked it.
The 2nd was for my masters and they said I won't come back cuz I will be staying with my wife while studying and be in same school with her. Also a letter from my workplace then said am allowed to re enter the UK anytime after my study. They sighted all that as reason why I won't come back.

So now I want to use a promotion letter from my work place that also included that by September I would be made manager and will be entitled to lots of other things as evidence that I will come back? My leave letter that only shows I have 45days leave.
My ongoing house construction work as evidence. What again? How do I present my other business as evidence of coming back too?

They only left to UK since last month though after spending their holiday here..

I need advice on how to package all this to avoid refusal based on my current and past situation.
Thanks.

Sorry dude. But to be honest with you. Your chances of getting a visit visa is next to nothing. You have already established an immigration intent with UKVI. This is because you have been refuse a settlement spouse visa and student visa. In the eye of the ECO, you are just looking for a another way to immigrate to the UK. My advise is that you have to wait until your wife meet the minimum income requirement of £18600, and re apply for a spouse visa. Alternatively, consider the Surinder Singh route into the UK before UK exit from the European Union by March 2019.

Giddy7000:
My parents, my job, and also my mother depends on me for support, all these I stated in my first application.

Still on the issue of sponsorship, I want you to please clear this for me, my friend wants me to visit her, we have been friends for two Years, I am not the one initiating the visit, she is the one that wants me to come visit and she is saying she is ready to sponsor the trip. Now, how do you advice we go about this process.... Plan visit..... Xmas.

Think. If you’d stated the all above ties and the ECO still refused to issue you a visa. Why do you now think that your friend offering full sponsorship will change the mind of the ECO. The question to ask is have your personal circumstance changed significantly since your last application? To me No. Your personal circumstances only changes when you’re able to fund your trip solely and still have substantial amount left without sponsorship. My advise would be that you chilled until you have other major reason to visit the UK. Your friend full sponsorship does not count here, because it’s is not corporate sponsorship.

Aquaman84:
@ekpotek, do I also need a payslip from my former place of work? Since I will be using 3months bank statement while I was still working there?
Or I just need from my current company?? Which is the last 3 months including April??

You only need pay slips from you current employer. If slips are not up to 6 months, then you are taking a risk. If I where you, I would wait for 6 months as this visit is not an emergency. The ECO is more interested in you present circumstances!!!

Aquaman84:
@ekpotek, OK
Just a letter explaining I am yet to start receiving my payslip right?? Thanks

The letter should also specify how much income tax you have paid till date.

Aquaman84:
@ekpotek, bro please respond, thanks

You will need a letter from your company to attest that they are yet to issue your pay slips.

Giddy7000:
Thank you for your response, yes I have the first one addressed, I have gone back to my work place to secure a salary account, which I intend running for the next six months before applying and a pay slip gather to this effect for the next six months. As for what will bring me back home, that I submited in my first application, deed of landed property and documents of my current property. Now my concern is that of spending, my major spending point on my previous application was 350000 on ticketing return...

That was the second issue raised by the ECO... Now my sponsor is saying, forget ticket, I will buy, cut your spending to light shopping say one hundred pounds....my question now is this, what papers does she need to provide and what are your views to all these.... Many thanks

Your issue is not about sponsorship or not. Applicants must know that the ECO will only consider sponsorship, if the applicant is underage (less than 18 years) or a sole dependent on the sponsor. Apart from landed properties, what else can make you return back to Nigeria if issued a visa.

alert20:
thanks for the response Bro...
can I use her joint account name as the company I am working with and the money been transfer as my salary?
I can get a payslip and letters myself just wanna know if is advisable to use the name ni?
no be everybody wey apply get legit jobs.
thanks so much for the blunt answer. I really appreciate you always.

This is fraudulent and the ECO is likely to detect this. Be aware the ECO investigate and verify documents. So don’t try that brother and get yourself ban for 10 years for submission of a fake document.

bogolobango:
@ekpotek respond to my pm too abeg

Please post your questions here. Thanks.

alert20:
@ekpotek I am applying for a 6months tourist visa.
any advice concerning my situation will be appreciated..
I am going for holiday and will be spending just 5 days in the UK, then enter turkey on my way back 2 naija.

To be honest with you, your chance is very small. However, you can try, as it’s only the ECO that can issue visa. First you do not have pay slips to support your earnings, whereas you claimed to be employed. You will need a letter from your company Human Resources as lieu of pay slips. Then how would explain the monthly payments by you wife into account, for what purposes? With an earning of less than 100K per month, why would you want to spend an average of 800K (tickets, hotel, etc) just to go and see London for 5 days!!! Are you a frequent tourist? Do you have travel history? My brother your home tie is not strong at all. But like I said you can always try, you’ll never know until you apply.

Aquaman84:
@ekpotek and justwise please review my last post and assist please. Thanks

While applyingI was asked
how much do you spend on living costs?
How much I spend monthly on family and dependent s?
What is the cost to you personally of your trip in GBP(£)?
The total amount of money you have for this trip?
The cost of the aeroplane, boat or train ticket?
The cost of your living expenses?

My salary is 300k, how do you guys feel I should answer this question??

Like a breakdown, God bless us all!

You are the only one that can answer the questions, given your monthly salary. You need to be honest about it, as the ECO uses these entries to evaluate your financial ties and consistency. We can only help explain the questions if you do not understand it.

1. Your family upkeep amount in a month (rent, food, fuel, recharge cards, etc)
2. Amount you give out on a monthly basis to your family or dependents (parents, sibling, girlfriend, etc.)
3. Amount you have budgeted to spent for the trip from your pocket (Air Tickets, local bus fare, hotel accommodation, meals etc)
4. Total Amount you are willing to make avaliable for the trip to accommodate any unforeseen expenses from your pocket (sickness, shoping, etc)
5. Estimated ticket cost, local bus/train fare
6. Same as No 1.

Olowogbogboro17:
@ekpotek kindly respond to my pm please. please!!!

I have.

alert20:
@my two ogas at the top... ekpotek justwise and other gurus of these great house.


I would be applying for a tourist visa early next month.
I have been to the Nigerian immigration to renew my passport but the thing is taking much time cos I have done the capturing now going to 3weeks.

@allgurus pls where I work, our salary is been paid in cash cos its an amusement park so we don't have payslips.
also my salary is below 100k but, my wife always transfer at least 200-300k into my account every month since last year from her joint accout with her dad.

now I am thinking since my salary is low, can I use the joint account name as where I work and the money been transfer as my salary @ekpotek pls peruse and give me a brotherly advice. thanks.

What is the purpose of your visit?

OmoBendel24:
@Justwise and Ekpotek sirs; images attached are screenshots from the visa4uk and TLS site respectively. At the visa4uk end, I have submitted, paid the visa fees, gotten appointment for next week and printed application for mum. I have also registered, filled and confirmed at the TLS end too. I however don't know why the last two sections - "REGISTER AT COMMERCIAL PARTNER" and "PRINT APPLICATION" - haven't turned green like the rest did when I passed them.... Is that normal or I didn't do something right and should be worried?

If you have successfully registered with TLS and booked appointment to submit, ignore it as it’s doesnt matter weather green or not. After submission you will only be concern with TLS website for tracking and other alerts.

Aquaman84:
Is thus the correct site;

Both sites are correct.

MamaGiovanni:
@ Justwise @ekpotek

Thank you so much for all the help for the past few months. This forum was a huge blessing in my life.

I just collected my passport, 6 months multiple entry visa granted.

Timeline:
March 1: submitted online application
March 9: biometrics at VI tls
March 15: email from Sheffield stating application being prepared for consideration by eco
April 5: decision made on tracker, email from tls for passport collection
April 6: collected passport. Visa granted

Date passport stamped: march 28

I thought I made some mistakes but God is great!

Congratulations. Enjoy your trip.

Aquaman84:
Is this for UK tourist visa for 6months? Didn't see this when I was applying??

@ekpotek and justwise, while on the site a question was asked, if I have any other earnings I said no becos I only get paid through my salary, but on the first of February I receive 800k from a friend you owed me money and 3rd March received 92k from a family member who also owed me money. Is this an income?? I didn't think so since it was my money been paid back to me? Or should I include this in my cover letter? . Any thoughts

The 800k refund is not an income. All you need to do is point it out in a cover letter to ECO and explain when you have the money out if it’s not reflected in you bank statement. Ignore the 92K as it not a lump sum.

Aquaman84:
@ekpotex yes she lives alone, my fund is going to show as 1m when I finally print out my bank statement, and I cannot use all my money for this trip so the eco officer won't say I would be penny less when I return. So I said my budget is 500k leaving a balance of 500k when I return.

I will provide all the information when applying , is it ok?

What she's bringing,
01) Wage slips.
02) Bank statements for the last 6 months.
03) Utility bills
04) Tenancy agreement for the property she lives in.
05) Letter of employment
06) Copy of Passport Data Page.
07) Invitation letter.
08) Printed visa page of visit to Nigeria
09) Printed copies of correspondents between the both of us via WhatsApp from the month of November till April.
10) Printed copy of flight ticket;


What I'm providing,
01) Bank statements for last 6 months.
02) Letters of employment and confirmation from both companies as I'm using 3months statement from past employer and 3months from current employer.
03) Passport valid for at least 6 months.
04) Letter of granted leave from my employer.
05) Printed copies of hotel bookings
06) Pictures of our time together in Nigeria
07) A link to our video at the beach via WhatsApp (optional)

Is this ok?

Your documentation is okay. Like I said only the ECO can decide. I wish you the very best and hope you get the visa.

Aquaman84:
@ekpotek and @justwise

May your days be long and prosperous, you are truly our brothers keeper. Thanks

You’re welcome. May I ask does your girlfriend live alone? I was just wondering if it would not be safer if you book hotel accommodation instead of taking the free accommodation. This will show financial capability on your side to entirely fund the visit and not rely on your girlfriend or her family for support. After all, anything can happen along the way. Just my additional thought before you submit.

Aquaman84:
@ekpotek been working there 3months after April and as a supervisor at the company. My confirmation letter stated I was granted 3momths probation concerning my 5years experience in the field from my previous employer and how soon i had to resume with them.
Current salary is 300k and my budget is 400k since my girl is covering feeding and accommodation. My total account would read about 1m when I print out bank statement.

Any thoughts??

Only the ECO can evaluate if your post as a company supervisor is convining enough to issue you a visa. You would not know until you apply. So I would say, submit your application and hope for the best.

geek:
Nope, not Victoria. Oxford trains leave from either Paddington or Marylebone.

@obaxlove take the Heathrow Express to Paddington then join an Oxford train. Here are costings:

Yes you’re right. I went to oxford last in 2014, but thought I went through Victoria when it was actually Paddington.

Aquaman84:
@justwise your response too, is highly appreciated. Thanks sir
@ekpotek once I include what you told me too, the cover letter is ok right? I tort it'd be good explaining my funds

Yes, but delete those account transactions unless there is an unexplain large sum coming into your account beside your salary.

Aquaman84:
@ekpotek thanks for the response, I will include these - name, age, place of birth, her family members, schoolings, place of work, and she's not on any benefit, she has lost her ticket invoice but she will scan the Nigerian visa on her passport which shows her visit here to and fro and I will include printed mails of the hotel I booked for the two of us and our activities when she came, [b]concerning family ties, my job, my pension and my frequent transfer of money to my siblings and cousin show family ties?? [/b]Please assist

In my opinion your strong ties would be your job, position and salary level. How many years have you been working with your present employer. The fact that you have dependent siblings is not a strong ties. Like I said getting the visa will hinge more on your Job and earnings. The information you have on girlfriend is okay. However, know that the ECO is more likely to call your girlfriend for an interview. So your girlfriend should be expecting it and be ready to answer questions about you and the relationship.

obaxlove:
Hello Guys,

Please kindly help me with the closet public airport to Oxford Univeristy from Nigeria. Is Gatwick Airport the only option I have?

Thanks for your reply.

London Heathrow. From there take the underground train to Victoria Station. Change train for Oxford at Victoria Station.

Aquaman84:
Dear ekpotek and justwise, please your thoughts,

The Entry Clearance Officer
The Deputy British High Commission
11, Walter Carrington Crescent
Victoria Island
Lagos.

Dear Sir,

GENERAL VISITORS’ VISA:
I hereby apply for a UK general visitor’s visa (valid up to 6 months) to enable me spend a time of vacation with my girlfriend (xxxxx) in the United Kingdom. I am currently employed as a full time staff of Limited Lagos.

During my stay in the United Kingdom for three weeks, I will be staying with my girlfriend at her house located at , United Kingdom. We plan to visit her family, friends and some tourist sites during my stay. The vacation will definitely provide a good means of introduction between me and her family and most important spend some time with her.
We both met through a mutual friend sometime in April 2017, we struck up a conversation that had us chatting for hours, it was till the month of June 2017 that we began having video calls via WhatsApp which enabled us get to know each other on a more deeper and personal level.

We kept in touch via chat and video calls through the WhatsApp application, it was till August 2017 she decided to come visit me in Nigeria on October 24th to 28th 2017 (please see evidence through our pictures, WhatsApp interactions and)( - link to our video at the beach in Nigeria)
When she arrived, I introduced her to my family and my life and we generally had a good time. So we decided that I would come to the United Kingdom to introduce myself to her family and friends and experience her life. We also plan to visit few tourist sites since during my stay like museums and zoos.

I find it necessary to provide the following additional information:

1. My immediate family/ all based in Nigeria (my father, my mother, my three sisters and a brother while I am the youngest)
2. This is my first passport, my birth place is Venezuela (Caracas) which is backed up with my birth certificate (original and translated).
3. My salary has not been identical from the month of November to January because my bonus (which amount flauntutes depending on your work excellence) gets paid along with my salary, we get our bonus a month after a quarter or sometimes latter than that.
For the month of November I was paid N143, 266. 44 on the 25th of November 2017 (this included my bonus for the previous quarter).
For the month of December I was paid on the 18th of December 2017 at the amount of N127, 832. 40 (including Christmas bonus), this came early because of the Christmas holidays for those that want to travel to their home towns. (My salary comes in on the 25th /26th of each month).
For the month of January I was paid N103, 624. 50 on the 26th of January 2018, this was without my bonus (bonus was moved to February for collection).
For the month of February I got a better job offer and switched jobs, from Nigeria (which was ) to x Lagos. Which you will find evidence of my resignation from x and proof of compensation benefits credited at the amount of N132, 299. 83 on the 3rd of April 2018. I had a sum of money transferred to my account on the 1st of February 2018 (N825, 000. 00)from a friend of mine (x) which he owed me, and on the 26th of February I was paid from my new company (x) with the sum of N200, 000. 00 because I started a week late so this reduced my pay for the first month. (My salary is N300, 000. 00 monthly)
For the month of march I was paid N300, 000. 00 on the 26th of march 2018 and the same goes,
For the month of April I was paid N300, 000. 00 on the 25th of April 2018.
I also included the last six months bank statement (August to January 2017/ 2018) of my pension payments for the last six months when I was still a staff in x which I was paid exactly N19,737.80 for each of the month, my pension for the month of February was deducted (N8, 816.80) from my last compensation and benefit check from which I received on the 3rd of April 2018 but is yet to reflex on my pension account, My recent employer (x) are yet to start my pension plan.
Please find information on other payments credited/ debited to/ from my account below,
On the 2nd and 3rd of November 2017 I withdrew N10,000.00 and on the 5th of November 2017 I withdrew N5,000.00, also on the 14th and 15th of November 2017 withdrew N5,000.00 for some bill payments, on the 14th of November 2017 I received an amount of N10, 000. 00 from my brother (l) to help pay for some items on his behalf, I withdrew the amount of N10,000,00 on the 25th of November 2017 for my house upkeep, also on the 28th of November 2017
I transferred the amount of N25,000.00 to my mother (V) for her upkeep and transferred the amount of N15,000.00 to my sister (N) on the 27th of November 2017. I received the amount of N25, 000. 00 from my brother to purchase our household items.
On the 28th of november 2017 i made multiple transaction which debited me N15,000.00/ N3,000.00/ N39,800.00 respectively.
On the 4th of December i2017, i transferred N10,000.00 to j for my house maintenance, and on the 13th of December 2017 i transferred N9,000.00 to a friend(O).
On the 7th of January 2017 I withdrew several times, with a total amount of N20, 000. 00 for parts replacement for my vehicle and servicing. Also on the 12th of January 2018 I withdrew N8, 000. 00 to fill up my fuel tank in my vehicle And on the 17th of January 2017 I received the amount of N18, 100. 00 from my cousin (O) for money he owed me. On the 17th of January 2017 I withdrew money multiple time which added to the sum of N18, 000, 00 to pay for my gym membership.
On the 21st of January 2018, I withdrew the sum of N5, 000. 00 to purchase some groceries for my house and on the 26th of January 2018 I transferred the amount of N100, 000. 00 to my brother (l) and N50, 000. 00 on the 27th of January 2018 for my share of the rent payment.
On the 2nd of February 2018 I transferred the amount of N18, 000. 00 to my personal trainer and friend (L) for my supplements and training fee, also on the 21st of February 2018 the amount of N21, 000. 00 was transferred to my personal trainer and friend(l).
On the 4th of February 2018 I transferred N50, 000. 00 to my brother (l) to aid him buy a new engine for his vehicle and should receive the money back when it is convenient for him, on the 6th of February I transferred the amount of N100, 000. 00 to my brother for my parents upkeep (refilling of drugs and health supplements) on the 6th of February 2018 I withdrew the amount of N5, 000. 00 For food items.
On the 7th of February 2018, I lent out an amount of N95, 000. 00 to my cousin (O) which he paid back on the 6th of march 2018 amount of N92, 000. 00, I pardoned the balance of N3, 000.00 and on the 9th of February 2018 I withdrew the amount of N5, 000. 00 for groceries.
On the 13th of February I transferred he amount of N100, 000. 00 to my sister (N) and on the 14th of February I transferred the amount of N300, 000. 00 to my same sister mentioned above while I will receive back at her convenience. Also on the 28th of March 2018 I transferred the amount of N50,000.00 to my sister (N) as a contribution for my parents upkeep.
On the 19th of March 2018 I transferred the amount of N10, 000. 00 to my cousin (O) to aid in his upkeep.
On the 28th of March 2018 I received the amount of N19,000.00 from a friend (C) for the purchase of my used video game.


Kindly find enclosed all relevant documents for this application.

I trust that you will find that everything is in order and I assure you that I will return back to my work and family at the end of my two weeks visit. For questions, clarification and interview, please feel free to contact me anytime.

This cover letter is entirely unesessary from my own point of view. You are travelling to visit your girlfriend. The ECO will be more interested in your ties to Nigeria that will make you return and not over stay. I did not see this in your letter. The ECO will also be interested in durability of your relationship. If I were you, I focus more on establishing the relationship with supporting documents. If indeed your girlfriend had visited you, how many times? Do you have proofs of these visits, such as airline ticket, boarding passes, photo together in Nigeria etc. What information do have about her. eg age, place of birth, her family members, schoolings, place of work, is she on any benefit? What Home ties do you have that will encourage your return back to Nigeria. ECO often consider visit to girlfriend/boyfriend as potential immigration intent. The onus is on you to convince the ECO that you will return back to Nigeria. Here you travel history will count. As this is your first passport with no travel history. Only God can sway the ECO to grant you a visa. Good luck.

realshifu:
@epotek see letter to embassy from ARM

Did you declare this fund in the online application form as savings/investment?

realshifu:
The Entry Clearance Officer
The British High Commission
11, Walter Carrington Crescent
Victoria Island
Lagos.

Dear Ma/Sir,

STANDARD VISITOR VISA
I am [Redacted]: a medical doctor, cancer researcher and a youth leader and advocate. I hereby apply for a UK Standard Visitor Visa (valid up to 6 months) to enable me attend the Commonwealth Youth Forum (CYF), at the Commonwealth Heads of Government Meeting (CHOGM), April 16-18, at the QE II Center London. I am currently undergoing my compulsory 1-year national youth service in Bayelsa State, Nigeria. My place of primary assignment (PPA) is the [Redacted].

I will be funding this trip myself with a budget of 380,000 NGN. During the CYF, and my 5 nights in London, i will be staying at the Pride of Paddington; 1-3 Craven Road, Paddington, Westminster Borough, London, +442074022156, at a total cost of 49,294 NGN (breakfast inclusive). My bus fares between the hostel and the QE II Center will be covered by a 20 GBP (approx. 10,100 NGN) Oyster Card. I budget 25 GBP (approx. 12,650 NGN) for dinners with a return ticket to London costing me between 280,000 – 300,000 NGN. To properly clarify my ability to fund this trip and my current social standing, I find it neccessary to provide the following additional information.

1. Every graduated nigerian dentist/doctor that is going to practice in Nigeria, is required to do a 1-year housemanship, followed by the mandatory 1-year national youth service. For me, i graduated April 2016, and did my housejob at the [Redacted] 18/07/16 – 17/07/17. I was called-up for youth service in November 2017 (first an orientation camp), and i resumed my PPA on 11/12/17. This means i was without any tangible full-time employment for a period of approx. 4.5 months (mid-July to mid-December), I could only do few locums -where I was mostly paid in cash and individual fund transfers - while waiting to be called-up for service.

2. Therefore, to prove my ability to fund this trip, I submitted a letter confirming my long-standing mutual fund investment with ARM – rather than the regular past 6-months bank account statement. This is part of my savings from my salary from Housemanship where I earned 158,000 NGN monthly (see attached [Redacted] payslips and 6-month salary period account statement from GTB). The other part of my savings was invested in 2 cassava farms with Farmcrowdy as explained on the application form (see attached email correspondence with Farmcrowdy and farm sponsor portal printout). I was able to save so much during my housejob because of my strong savings culture and work ethics; I worked numerous locums that effectively put my total monthly income at approx. 210,000NGN allowing me to save as much as 150, 000 NGN monthly overall.

3. My Farmcrowdy investment will mature on April 15, 2018, so I currently don't have access to the fund, however all my savings in ARM is readily available to me. Request to liquidation of fund takes a maximum of 3 working days. To purposefully demonstrate it's availability, I did a partial redemption and I attached my email correspondence (Thurs. Feb. 8, 2018) with ARM and an account statement that reflects the credit from ARM (Mon. February 12, 2018). The 2280 GBP I filled is a very conservative estimate of my total savings (ARM balance plus the remaining money in my GTB and Access Bank accounts, excluding my soon to mature Farmcrowdy investment).

4. At a monthly allowance set at 19,800 NGN by the federal government, youth corp members are not paid much. However, due to my profession, I earn an additional 98,000 NGN from my PPA, taking my monthly earnings as a Corper to a total of 117,800 NGN. My first allowance was paid in cash at the end of the new corp members orientation camp in december, while my January allowance was paid into my Access Bank account on 30/1/18. Though, I am yet to be paid my first salary at my PPA, as it is not unusual among federal hospitals to start paying new workers 2-3 months after assumption due to red tapes; the earlier months are paid as arrears (See my first pay slip from Housejob October 2016 for example). However, my salary is confirmed in the attached letter from my PPA.

5. I attached three statements of accounts. Two from my account with GTB – Oct. 2016 to Mar. 2017 (ST1); proving my source of the savings with ARM and Nov. 2017 to Feb. 2018 (ST2); to demonstrate that the ARM fund is available for my use. Then one from my account with Access Bank simply to show my Jan. Allowance from FG.
For ST1, majority of the credits, apart from Housejob salary were my salaries for locum work (especially from “[redacted]” and cheque clearances from “[redacted]”).
For ST2, a credit of 142,500 NGN on 10/11/17, was my salary payment for the locum I did for the [redacted] (one of the locums I referred to earlier between my housemanship and youth service call-up). A debit of 76,000 NGN on 13/11/17 represents a loan to my fiance that was repaid partially on 15/01/18. 40,000 NGN cash deposit on 27/11/17 represents another locum payment with another 16,000 NGN from [redacted] on 7/12/17. On 2/1/18 I received a sum of 86,692 NGN which was my final salary from Housejob ([redacted] doesn't pay house officers their last month's salary, until some clearance and documentations are completed, and this can take anywhere between 6 months to 1 year after the housemanship).

Kindly find attached all relevant supporting documents for this application. I hope you will find everything in order and be rest assured of my returning to complete my work and national youth service immediately after the CYF. For further questions, clarification, and interview, please do not hesitate to contact me at anytime.

Thank you, for your consideration.

Sincerely,

[Redacted]

So i probably shot myself in the foot for being too explanatory. But i was at pain to point out in the letter that i am not funding the trip from my salary (I wasn't even yet paid by then (mentioned that), just got paid this March), yet the ECO kept going on and on about my salary. Maybe a long-standing investment savings is not useful for visa purposes. But since i am not ready to pull out from ARM mutual funds, as it pays much better than bank's fixed deposits, your advice for how i can go about this in the future will still be very much needed. I am not reapplying for the visa

Reading through your cover letter, shows that you readily gave the ECO perfect reasons for refusal. Your cover letter, came out as someone scraping funds here and there to meet up his proposed trip. A cover letter is meant to provide additional information on your strength of eligibility for UK visit visa and not to give a life history story. Next time, submit a bank statement that has the required fund. If there is any lump payment, explain the source with documentation. The ECO is quite right to just focus on your salary, since it’s your primary source of income which you declared. Probably you failed to declare the ARM investment fund as savings in the online application form. That is why the ECO did not considered it. The ECO is right to be suspicious of ARM funds, if you did not declare it in your application form as additional sources of income. Anyway Good luck in your next application in future.

wxyz1:
Please i need reponse

Relax the ECO will only consider your travel history if you are a frequent visitor to A grade countries like USA, Canada, Australia, Japan and Ireland. Definitely not ETHIOPIA.

Anione:
Hi, please I need an answer to my concern. My wife has a British stay but was brought back to Nigeria by her aunt few years ago, without informing anyone that it will be invalid if she stays longer than 2 years outside the UK. Please I care to know if there's something that can be done with the stay document to get her back to UK? She recently found the photocopy of the stay document, is there a way forward for her. Thank you for your good work.

What does the stay document says?

realshifu:
Thank you @galazito for your response. I should clarify somethings.

1. I was not out of job when I applied, I am currently employed as corper doctor, now, and as at the day of my application - Feb 26th. I was only out of a job between when I finished Housemanship and getting a call-up for NYSC (July - November). I had to explained that in my cover letter coz it meant as at Feb 26 when I applied, I had no immediate pass 6-months salary account to show - I resumed at my PPA in December. I submitted my posting letter to the Hospital, and an introduction letter from the Hospital confirming my position and salary. And it's a Federal institution.

2. I had thought my fund was available, and demonstrably so. I deliberately liquidated a little of that my savings with ARM (took just 2 days), and showed my email correspondence with ARM, and noted on my account statement to show the ECO (I had read on this thread that the ECOs a lot of times consider fixed deposits as not available fund. But the ARM fund is not fixed). I also tried to avoid committing money lodging so I liquidated just a little.

3. Yes, I am single. I guessed that worked a lot against me, but I can't fix that yet. But as I noted earlier, I am in the job I should be in my career as a Nigerian-trained doctor.

4. I don't think I understand this last point.

Thanks a lot for your comments. Hopefully, @justwise and @epotek will review my situation too.

Hi sorry for the refusal. Is it possible to share the cover letter you wrote. Sometimes we shot ourselves in the foot, with our cover letter. The ECO would have being more convinced if you have gotten a letter of suppport from ARM to show that the investment fund was liquidable within 2 days of request. Better still liquidate the investment and support the lump payment with an official letter from ARM not email correspondences. Secondly the ECO did not see any evidences that the investment fund belong to you despite the fact your name was on it. Lessons learnt, get a detail letter from ARM showing when you started the investment fund, how deposit is received by ARM and yield rate. This is if you wish to reapply. Being single is not barrier, as your qualification as a doctor is highly rated.