₦airaland Forum

Hello everyone. Please I just got a refusal and would like to reapply. Unfortunately, I found this thread after my application was submitted. I have some ideas of what is wrong, clearly from the explanation given. However, it would be good to get advice on how to proceed when reapplying.

For context;
My husband sponsors my monthly expenses along with my salary hence the stated amount is true but I didn’t prove this.
My husband is on a govt sponsored scholarship. He is our sponsor and he is also on a paid study leave. He is definitely coming back to Nigeria and we have no plans to stay beyond the stated period.
His statement of account, letter of introduction and all study documents and accommodation documents were submitted.
For me, my employment document, statement of account, marriage certificate and affidavit, pictures.
Our two kids, their dad’s supporting documents, my documents, birth certificates, pictures.
Red flags:
1.My closing balance was very low, money was used for a purchase and was to be replaced by my hubby; however the money is moved back into my account (I’m worried because my husband had just made the lump sum payment yesterday and the refusal came in last night, so my closing balance is around 2.3M)
2.I have a change of name affidavit(valid since 2020) but my bank change of name has not been done and my name at work is still my maiden name.
3.I stated my refusal earlier in the year to the USA (tourist visa). It is my first application to the uk and I have never travelled out. My husband has travelled a lot, he has a long travel history.
4. My employee would pay me a lump sum (around 1.5m) at the end of this month because they owe me debt from July. In a reapplication, would this pose a problem? Together with the huge deposit from my husband which is purely coincidental.
5. What does the eco mean by my supporting document does not support the immigration law?

Thank you for taking out time to read this much. I intend to reapply and see my husband in December along with our two kids. What to do?

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Did anyone else get the call?