₦airaland Forum

Shawbabe:
Smh. Justwise see as u just let our precious thread turn to Exchange rate thread. During our own time we dare not derail the thread.
Coming now to read more than 10 pages of Gtb vs. Stanbic......it's a waste of time to us who born in the 165 =$1 era and are concerned about cheap hospitals for next project. We no care about 230 or 290 per $1. Another thread should be opened for best naija bank for PTA.

Shawbabe is right...

@All

This exchange rates debate is derailing this thread, you can have such discussion in business section, please enough.

Missdodo:
Dear Molly14,

Justwise and co have done a good job in answering your questions but i'm going to restate what has been said but maybe in a 'simpler' grammar:

1. There is a guidance for visa issuance that the ECO follows and this guidance contains different templates for refusal based on various reasons such as travel history, economic circumstance, home ties, source of funds e.t.c. that's why sometimes, it appears like a case has not been individually assessed ...

2. The ECO is watching out for 3 major things and in no particular order they are: A) Travel History - This shows your level of compliance with immigration laws in other countries. The idea is most probably that if you have a track record of compliance, then you will return home. B) Amount available for the trip - As stated by Justwise et al, each application is assessed on its own merit. Your available cash (not savings account or fixed deposit) to the ECO is what you can access on the go without having to go through a process. i'm guessing from my banking knowledge that having a current or checking account reduces your risk profile and increases your credit rating and as such the ECO may be more likely to focus on your current account where you have submitted both current and savings. Bottom line is they don't want you partaking in UK tax payers money. C) Source of income - The ECO must somehow be convinced that your source of income is so reliable/steady that you have no need to remain in the UK. Its not enough to just earn a salary, it must be a 'decent' salary. So getting N75k monthly is not a bad thing, it only becomes a problem when 75k is all you receive (from all sources) and you naturally have expenses. you need to deduct your expense from your income for you to access your own chances of success for a UK visa.

3. Always remember that you need to convince the ECO about your 'thriving' circumstances in Nigeria. Always always attach documents.

I appreciate your contribution

molly14:
Thank u, I don't know f u saw the refusal letter I posted. The ECO stated that he saw all the earnings from my husband but howvere some money in his "statements" are more. He assumed that of all the 4 statements we submitted, 3 is for my husband and was wondering how he had other accounts wit money like that, but my husband submitted only 1 statement, the remaing 3 are for me and our baby. On his own letter, the ECO wrote I note that u submitted a number of personal statement, which is false he submitted 1, on my own he said I note that u submitted "A STATEMENT" that has 56k, false again, I submitted 2 statements, the 1 with 56k is my salary account, the other is my savings account that I have built up over time and has 1.1m in t, besides this, we explained all the source of the money in that my savings account on the cover letter and additional info and added proof of the money. The ECO just assumed that the whole 3 statement is for my husband. I don't know if u now understand the picture.

Please take your time and go through that refusal letter again...money found in his account is not inline with his declared salary and there is no supporting document to explain the source of that money, again the focus is on your salary account and the bank statement submitted by your hubby has some unexplained transfers.

On the economy side of the argument which the ECO considered as well...you earn 59k a month and might have saved for many years to have a million in your account...spending a good chunk of that savings in just few weeks in the UK on holiday makes no economic sense.

kaverd:
@Justwise,
i have a problem,i applied for a uk visit visa this year and was refused entry into the country.now when i was filling out the forms i used my step fathers name and details when filling the forms though i explained why i did that on the form..but i have my biological fathers name on my passport because i used my birth certificate for it.truth be told i do not know my fathers DOB and hometown.so i want to ask if i can use my biological fathers name and assume his DOB and hometown or i should always use my step fathers when applying again and if i will not worry me much in future applications..and if the UKBA saves data about applicants or whether this is important..

Your advice is greatly need..Thanks and counting on your usual correspondence.God bless you

Why were you refused the first application?

molly14:
Hubby's employers. Doesn't the total sum for the year count on the long run? The allowances r still ur earnings n u get them as part of ur income

They focus on your own salary and not necessarily that of your husband, you will find it difficult to explain the issue of allowance because the difference between your hubby's salary and allowances is huge

@ Phil4krist

Allow the VO to answer those questions

Beezus:
salary is 108k. i mentioned in the additional information section that i receive commissions as well although it varies. actually i thot the question meant how much i could afford to spend for the trip

Then to spend £1,400 in few weeks on that salary is just over the top, that did not help your application at all

molly14:
My take home is 59k, hubby 177k, however, allowances are about 1.6m paid as two times ayear asides other allowances.
Totalling 4.5m per year. For d whole package.

@justwise, I attached d refusal letter early, mayb u can see it, f ts not too much trouble to go thru later post

That is the issue here, you both earn 236K combined in a month, that is about £700, that aside...who pays the allowance?

Beezus:
i wrote 1,400 pounds. if i want to reapply, how much do u thnk if i put as my budget will make me stand more chances?
Also d commission aspect, will they consider that if i mention it under d part they ask if i have any other addition income? or where do u think i should include it?

You did not mention how you earn in a month to be able to spend that much in a few week in the UK

OGreene:
Justwise, we are still waiting for you oooo
Vicjustice, pls attend to questions, u hv been away for long, kilon shele?

House, pls wht do you advise I do now. I hvnt heard from the VO since I submitted. The intended date of travel is Aug 2nd, dis Sunday, I hv booked a hotel as well. Now, I can see dat dis Sunday won't be feasible, it's 3 days away and I hvnt even gotten my visa. The hotel's policy is 48hours to be given for cancellation, and if cancelled later the whole fee will be charged. Pls shud I call the hotel to change the dates or what? I don't want to lose money jus like that.

If I change dates and the ECO is yet to confirm from the hotel mgt, what will happen if the ECO is told I pushed my dates ahead?

Has anyone been in my shoes? I need an urgent response pls, am about to call the hotel

Cancel and rebook if the visa comes out.

BrainyBell:
Respected forum members,

Please, what is the correct interpretation of: How much do you have for your trip? Does it mean, the total amount I want to SPEND for my trip OR the amount I have in my BANK ACCOUNT, and from which I will spend for the trip.

Lastly, must the amount I HAVE for the trip be the same balance on my bank statement or can it be different? For example, can I say I have 1 Million for the trip, but show 2 Million on my bank statement instead? Does this make any sense, please.

Kind regards....

That simply means....how much will you be leaving Nigeria with to the UK.

What is the cost of the trip to you...that is the combination of flight, accommodation, feeding etc.

This is why its important to write down the budget of the trip and attach it to your application

BrainyBell:
Dear all,

Please, kindly assist.

I applied for a UK visa and I was denied with the reason in the attached screenshot below. I planned visiting the UK for only two weeks and my sponsor would be responsible for my accommodation. Upon reviewing the application I submitted, I observed an error in the ECO's decision, which was even unclear as to the real reason behind my denial - too much funds for the trip or insufficient funds?

On the form, I had stated that I had 2,078 Pounds as AVAILABLE for my trip, but only intended spending 1,100 Pounds, which is the COST of the trip to me ( broken down into 700 pounds for flight fares, and 400 pounds for shopping et al). Beyond this balance on my salary account, I also separately attached a fixed deposit certificate which had a balance of 450K.

In denying me, the ECO said I stated 2,078 pounds as the COST of my trip, which is FALSE! It was further stated that I don't have sufficient funds when indeed my salary account showed 650K balance and my fixed deposit account had 450K, totaling 1.1M.

I have decided to reapply instantly and attach a written statement to this, since the basis of denial is so flimsy! However, before I do, what do I need to amend?

Please, kindly drop your comments.

Regards.

How much is your actual salary?

molly14:
Good day all,
I finally applied o, and got refusal 2day. Explained all sources of funds for my husband and I and still got a refusal based on financial reasons. That I have limited funds in my account, I added my salary account and my savings account, however, it is only the amount in my salary account that was mentioned, they didn't mention it's as if they didn't see my savings account, we also wrote a cover letter to explain all the funds in my husband's account, adding evidence of all the money, and ironically, we were refused because, they didn't see explanation of the money and that's the only reason.
Please what else can I do, I dunno if we should reapply, don't know if we would have chances of getting the Visa

How much is your take home salary and how much did you budget for the trip?

SleekMc:
Hi Guys,
please i am in a kind of fix now, i had posted recently about applying for visa to do plab exams, i had gotten a 6 months visa thanks to the gurus in the forum around april, now the problem is that my visa is expiring in Oct 31st, i am thinking of applying for my exam in oct 7th, but the catch now is that after the exam hopefully if i pass then i will need to do some registrations in person with the council and all this will be around early november after my visa is expired. pls kindly advice me on what to do. note i am suppose to travel to Uk sept 11th cos i am supposed to attend some classes before the exam. kinda confussed now what do you guys advice

Apply for renewer and explain why you are doing that considering the fact that you still have valid visa, give brief explanation just like you did here

SweetOlive:
Hi Justwise and other gurus in the house,

I appreciate your good works here. I have been a guest for some time now, so I have decided to register and ask my own question as it were.

I intend visiting my cousin in the UK for the first time(no travel history), he works with the British Army(still serving). He wants to send me Letter of invite, with other required documents and he'll be taking care of my accommodation, and feeding.

- I will be responsible for my Flight Ticket and Shopping ONLY.

- I have a current account which also serve as my salary account with a Balance of 700k (No lump Sum).

- My monthly take home is 65,000

What chances do I have in getting a Visa?

Thank you


CC: worry357

Very low, ticket alone will take more than 4months of your take home salary and that will be an issue

oluwawify:
Hi just wise, I want to apply for a UK visiting visa with my 1year & 7months son, his father is a British citizen by birth and all his simblings including his parents are in UK, I have written the English test and passed I have a total of 1.7million in my account, we are not married legally but we av done our trade marriage so we are engaged, he insisted we do our court in UK which I don't mind, will i be granted visa? thanks

That will entirely depend on documents you will be submitting and the ability to afford the trip comfortably

6packdude:
@justwise

Is is possible to sponsor my mom to the UK even though I live in America and she's in Nigeria?

Also will sponsoring her affect me if I'm also visiting at the same time. Although I don't need a visa but I've been told to go with documents needed just like I'm applying for a visa

Lastly, how much is required considering I'm also sponsoring myself? Will that be total estimated amount for the trip?

Thanks bro

Sure you can, nothing wrong with that and you can also visit while she is there

llamidi80:
Hello house
Kudos to the Gurus. Justwise baba,vicjustice and all.please I will love for you to help me through this:
I was banned for a year for misrepresentation,though it is almost 2yrs after d ban.
My ban read***::
ANY FURTHER APPLICATION FOR ENTRY CLEARANCE FOR LEAVE TO ENTER THAT YOU MAKE WILL AUTOMATICALLY BE REFUSED FOR A PERIOD OF ONE YEAR from d day u leave d United Kingdom following this refusal.
My question is can I make another application now since a year is past.
Secondly I have been applying for family visit visa past 7yrs and now I will love to stay in d hotel tru my visit,but will only visit just one person but not staying with....i want to kno if my staying in hotel won't be somehow to my application since d family I am to stay with will be accommodating my nephew.
And thirdly my circumstances changed from married to Divorce.
As for my ties
I have landed properties
2 kids.....not travelling with them.
Am a trader
4k in my domiciliary account.
I will be having over a million in my savings acct by d time of application....same saving accounts is use for transaction.,& both account were used for my previous visas in d past
All birth certificate & family pix
Transactions receipts
Shop receipt and personal tax card.
Income not stable monthly but could be access to 120k every month.
What are my chances sirs and Mas or how can I go about this?.
Thanks many much.

1. Yes you can apply now the ban is over.

2. You can stay in hotel if you want but still answer yes when asked if you know anybody in the UK but state that you will not be staying with them

nunaija:
Hello good people. I just found out about this thread. You suggestions would be highly appreciated.
I applied for a student visitor visa in February and was denied. Reasons: I only included my savings account and not my salary account which shows my monthly salary of 250k.
Due to lack of experience I also got the "How much do you have for this trip?" question wrong... I mentioned all I had in my account...was confused
I booked for a hotel for 1 week
I included my payslips for 6 months with the savings account(970k balance).
All other documents were included.
I am married and my monthly take home is 240k excluding project bonus which varies. The course I'm going for is just 1 week and I stated this in my application. I was able to defer the training programme to October and I want to reapply for the visa. Kindly advice on what I should do differently this time.

That is the mistake you need to correct now, you need to add both accounts though

Beezus:
@ Justwise: sorry for my late reply.
my salary is 108k after tax and my commission usually varies. Minimum per month is 50k.

How much did you budget for the trip?

@Op

Please try and keep the discussion open here, private chat will not help this thread.

VisaOfficer:
I am departing Nigeria tonight and am rushing around today to get everything finished! So, Nairaland, this is goodbye! Goodbye until next week, anyway. I'll still be online to answer questions until my successor arrives in Lagos.

I'd say a big sentimental goodbye, but I'd rather leave that until I sign off for good. Today's goodbye is just a temporary one. See you soon!

Oh well... i don't like goodbyes ..lol especially from a very helpful and amazing person like you but its what its.

@All

Please can i beg you in the name of whichever God you believe in to stop derailing this thread?

I don't want to keep hiding posts.

Thank you.

@All

Sorry if you asked question and it hasn't been answered yet ....will attempt to answer them after work today and tomorrow...

djfrancis:
hi
i would like to know if my uk visa application (tier 4) will still be considered as i missed out my middle name while filling the application

Yes it will be considered

Kelvinpam:
Thanks for the info.
Kudos to eke40seven too! We are strongly behind you.
Justwise this is our oga ooh. You cant afford to keep him outta here for too long. His first class insight on matters arising help to keep the forum going.

Kindly unban him sir unless u want to take his place.

NO go ban me ooh...na joke.

XpensiveT:
@Justwise... Boss, Abeg kindly free our German Oracle sir. Eke40seven is our helper nd leader on this thread. He really helped me a lot throughout my visa application nd interview. Till today, i still contact him if i need his help nd he is always available to help. With God and Eke's help, i had a very successful interview. Bitte oga Justwise, don't deny peepz who are yet to do their interview to talk or seek for advice or help from Eke d Oracle .
I take God beg u Sir, unban our man !!! He is a good guy and a leader. I knw no one is above ur law here on NL but please, Eke deserve to have access to this German thread 24/7.
#UnbanEke40seven
Danke schön.

I hate it when people make false accusations.

Two of you have been in nairaland for more than 2yrs now and should know about antspambot

See my attachment.

@All

Please stop quoting long posts!!! it makes this thread unnecessarily longer

CuteAngel:
No he is a US citizen, my mistake was i did not include a cover letter from him and the western union receipts he usually send as my upkeep allowance.

the documents submitted were
6 months bank statements
letter of employment, cover letter and leave letter from my office
my property papers
hotel reservations
itinerary of travel
flight reservation

i don't know if i should reapply or write a letter to them please which way will be feasible. Also they did not return my bank statement don't know why.

You can reapply providing evidence of the money sent to you by your fiance and explanation for the large lodgement mentioned in refusal letter.

Also you need to complain about the mentioning of Pakistan in your application because that error might have influenced ECO's decision.

henrychubayo:
@Justwise and co, When applying for Business Visa, What should i fill in the column for Cost of Accommodation since the company i will visit has already arranged it and its stated in the INVITATION LETTER? Is insurance required for applying for this visa? Also please hint on whether its necessary to put my personal statement.

i tried to look up but couldn't find anywhere here where its been answered.

Thanks all

1. Put n/a in that section and use the space to state that the company will be providing accommodation

2. Insurance is optional

3. Yes you have to

akyiremlouis:
please i need some advice or clarification, if i liquidate my treassury bill deposit into my current account and print my statement three days before submission of my visa application. WILL THAT BE CONSIDERED AS MONEY LODGMENT.

Yes its but you need to explain the source of the money

CuteAngel:
Hi Justwise and others i got back my passport today and was refused. I want to ask if it's advisable to reply immediately and provide the necessary proof of the western union monies and also tell them that my account has been build up over yrs of savings.
Since they stated I did not provide enough proof to corroborate the western union deposits. Besides i don't know why they think am in Pakistan when it's clearly stated am applying from Nigeria and also working in Nigeria. Pls advice me if to go ahead and reapply.

I refused your apprication for a visit visa because I am not satisfied that you meet the requirements of paragraphs v4.2 - v4.10 of Appendix V. Immigration Rules for Visitor visa
1. You have applied to visit the united Kingdom for 5 days. you have stated on your visa
application form that you are employed by -xxxxxxx Nig Ltd and earn PKR 160, 000 (£511)per month and that you are paying for you trip to thtuK yourself.

'2. As evidence of your personal and financial circumstances in Nigeria, you have submitted a copy of your personal UBA Bank statement showing a closing balance as 09/07/2015 of N2.4m it is noted that there are a number of large deposits in this account which do not match your stated monthly income. I acknowledge that you have stated that your receive money from your fiance, but without further evidence to corrobrate this I cannot be satisfied where the additional money in your account has come from. This is relevant, as unambiguous evidence of your employment, pattern of income or means of support is required to access your situation in Pakistan provides you with an intention to leave the United Kingdom at the end of a short visit. Therefore, I am not satisfied.that you are genuinely seeking entry as a visitor for a limited period as.stated by you, that you intend to reave the uK; at the end of your proposed visit, the sufficient funds to cover all reasonabre costs in relation to your visit without working or accessing public funds. This includes cost of return or onward journey and any dependant costs or costs of planned activities as required by appendix V 4

1. List those documents you submitted.

2. Is your fiance based in the UK?