₦airaland Forum

@Justwise, please you are yet to respond on my own situation.

Hello @Justwise, could you please help with you opinion about our situation?

MrsBee: Hello House,

I am so devastated at the moment, i have been refused uk visa for the second time. the first time it was because i was applying alone and not with my husband. Then we decided that we apply together for the second time, provided all documents including wedding pics, introduction letter from employer, tax clearance, land documents, bank statements, investment account statement, introduction letter from my husband's brother who is a british citizen etc. And we discovered that we has been rejected today, our applications were sent to sheffield. Their reasons are below.
For my husband
"On your application you stated that you have been employed as a banker since 17/10/2007 and that you earn a total monthly income of 359,479.16 NGN (1461.36) a month. As evidence of this you have presented an employment letter form Bleep Bank. I note that your stated income is reflected in your bank statements, however I note that on28/07/2012 the balance in your account was 32,845.92 NGN (133.53) and then you deposited a total of NGN 1,503,500 (6,112.05) into your account between the 29/07/2013 and 07/08/2013. This funds represent more than 4 times your declared income. I do not find it credible that the credits to your account would be inconsistent, if your stated income was an accurate reflection of your actual circumstances especially that you have stated you do not receive any income from any other source because I am not able to understand the origin of funds held in your bank, I am not satisfied that you are genuinely available to support your visit not that the balance of this account is a true reflection of your usual financial circumstances. Furthermore I note that you have no evidence of travel and compliance with immigration procedures similar to those of the UK which might offset my concerns……………… Your right of appeal is limited to the grounds reffered to in section 84 (1) (c) of the Nationality, Immigration and Asylum Act 2002”

And for Mine

“On your application you stated that you have been employed as a banker since 17/10/2007 and that you earn a total monthly income of 169,000 NGN (687.02) a month. As evidence of this you have presented an employment letter form XXXXX. The bank statement indicate a current balance on 12/08/2013 of 118,798.16 (482.94) I note that you have indicated that the cost of the trip to you personally with be 900 pounds and considering that this represents more than the funds held in your bank account, I am not satisfies that this expenditure is credible when considered against your personal circumstances. Furthermore I note that you have no evidence of travel and compliance with immigration procedures similar to those of the UK which might offset my concerns. You stated that your husband gives you 120pounds monthly for upkeep, however you have not provided any evidence of this. Furthermore I note that you have stated that your spouse will give you 1600 pounds towards the cost of your trip, however I note that on 28/07/2013 the balance your sponsor’s account was 32,845.92 NGN (133.53) and then he deposited a total of NGN 1,503,500 (6,112.05) into his account between the 29/07/2013 and 07/08/2013. This funds represent more than 4 times his declared income. I do not find it credible that the credits to his account would be inconsistent if he doesn’t receive any income from any other source because I am not able to understand the origin of funds held in your bank, I am not satisfied that you are genuinely available to support your visit not that the balance of his account is a true reflection of his usual financial circumstances ……………… Your right of appeal is limited to the grounds reffered to in section 84 (1) (c) of the Nationality, Immigration and Asylum Act 2002”

Meanwhile i submitted an investment account statement with 500k in it, this was not mentioned. Please we are so confused, help us with your suggestions, we are thinking of writing them.

we don't even want to reapply for at least another one year, we might just write for writing sake and go somewhere else for vacation.

solomonwis: That will be medicine after death!
Work on your finances,avoid money lodgement,provide verifiable source/document for credit lodgements in your account that are not consistent with the bank statement over time.
Because your rights are limited,no matter the letter you will be asked to reapply especially when your personal circumstance has changed considerably.

Hmmm, do you think writing them to explain the source can make them overturn their decision?

pastor4real: @MrsBee: The lodgment into your husband account was the main issue. Within 10 days your husband deposited 1.5 million into his account, nobody will believe your story.

Thank you again. So we cannot add an additional document to our letter?

girlfio: I would think that since the decision for your application was made in Sheffield that you should be able to send the email there [visasheffield@homeoffice.gsi.gov.uk]. I would advise email over post, it will get to them quicker. Just make sure you put in the subject heading the application reference number, the names on the application, date of births and that it is a request for a review of the refusal. In the body of the email, address your email to the Entry Clearance Manager. Remember that you can only ask that they reconsider their decision based on the documents already submitted.

Please advise on who to address the letter to and how to send it (email or by post) and also handwritten or typed? Thanks again.

girlfio: You can still write to them, no harm in that. Maybe you can just explain the reasons for the money that was deposited and respond to each of the points they've raised in the refusal. Make it clear that you were looking forward to spending time in the UK and are disappointed that you have not been afforded the opportunity. Ask why no mention was made about the 500k, was this considered as part of the application. Not sure about the passport thing, I would have thought that they would still have your names on file when you make your next application, I could be wrong though.

Thank you for your comments, although i mentioned to them that the investment could be liquidated within 24 hours which is true.

Tats: I sympathise with you on this but I really can't see them changing their decision.

I understand how money can genuinely come into one's account as is typical with us in Nigeria, but money lodged in an account to the extent done in this case is not acceptable to ECOs. There was no explanation as to how this funds came to be lodged in the account even when there are possibly two places that can address it 1). The section where they asked if you do receive income from any other sources, and 2) The section where they provided a blank space to add any other information.

As to your 500k, while it is an investment account in your name, it doesn't really show readily available funds like a regular bank account will show. Some investments cannot be cashed until certain periods, so not readily available for you to use on holiday or at short notice. In any case, the doubt on your spouses finances may have added to them disregarding your investment statement. You both have good jobs it seems and those where not in doubt by the ECO. They couldn't have not given your husband visa and then give you visa as you were associated with him and dependent on him providing you with funds. You may just need to start afresh and maintain a "decent" bank statement and reapply in future. If you can travel somewhere else before trying the UK again, then the better. I know someone who was given visa recently at the third time after two separate refusals not related to finances which occurred far apart in the last 6 years. The person did travel elsewhere after the second refusal.

Thank you @girlfio, do you think we should bother with writing to them or should we just bone them for now? although I can't even imagine myself going through that stressful and time-consuming visa application process again, so reapplying is not an option for now. Already considering Dubai for vacation. Also a friend advised that we get new passports to avoid other visa applications in future to be affected because they stamped the last pages of our passport and ruled across it.[quote author=MrsBee]Thank you @girlfio, do you think we should bother with writing to them or should we just bone them for now? although I can't even imagine myself going through that stressful and time-consuming visa application process again, so reapplying is not an option for now. Already considering Dubai for vacation. Also a friend advised that we get new passports to avoid other visa applications in future to be affected because they stamped the last pages of our passport and ruled across it.

Hello House,

I am so devastated at the moment, i have been refused uk visa for the second time. the first time it was because i was applying alone and not with my husband. Then we decided that we apply together for the second time, provided all documents including wedding pics, introduction letter from employer, tax clearance, land documents, bank statements, investment account statement, introduction letter from my husband's brother who is a british citizen etc. And we discovered that we has been rejected today, our applications were sent to sheffield. Their reasons are below.
For my husband
"On your application you stated that you have been employed as a banker since 17/10/2007 and that you earn a total monthly income of 359,479.16 NGN (1461.36) a month. As evidence of this you have presented an employment letter form Bleep Bank. I note that your stated income is reflected in your bank statements, however I note that on28/07/2012 the balance in your account was 32,845.92 NGN (133.53) and then you deposited a total of NGN 1,503,500 (6,112.05) into your account between the 29/07/2013 and 07/08/2013. This funds represent more than 4 times your declared income. I do not find it credible that the credits to your account would be inconsistent, if your stated income was an accurate reflection of your actual circumstances especially that you have stated you do not receive any income from any other source because I am not able to understand the origin of funds held in your bank, I am not satisfied that you are genuinely available to support your visit not that the balance of this account is a true reflection of your usual financial circumstances. Furthermore I note that you have no evidence of travel and compliance with immigration procedures similar to those of the UK which might offset my concerns……………… Your right of appeal is limited to the grounds reffered to in section 84 (1) (c) of the Nationality, Immigration and Asylum Act 2002”

And for Mine

“On your application you stated that you have been employed as a banker since 17/10/2007 and that you earn a total monthly income of 169,000 NGN (687.02) a month. As evidence of this you have presented an employment letter form XXXXX. The bank statement indicate a current balance on 12/08/2013 of 118,798.16 (482.94) I note that you have indicated that the cost of the trip to you personally with be 900 pounds and considering that this represents more than the funds held in your bank account, I am not satisfies that this expenditure is credible when considered against your personal circumstances. Furthermore I note that you have no evidence of travel and compliance with immigration procedures similar to those of the UK which might offset my concerns. You stated that your husband gives you 120pounds monthly for upkeep, however you have not provided any evidence of this. Furthermore I note that you have stated that your spouse will give you 1600 pounds towards the cost of your trip, however I note that on 28/07/2013 the balance your sponsor’s account was 32,845.92 NGN (133.53) and then he deposited a total of NGN 1,503,500 (6,112.05) into his account between the 29/07/2013 and 07/08/2013. This funds represent more than 4 times his declared income. I do not find it credible that the credits to his account would be inconsistent if he doesn’t receive any income from any other source because I am not able to understand the origin of funds held in your bank, I am not satisfied that you are genuinely available to support your visit not that the balance of his account is a true reflection of his usual financial circumstances ……………… Your right of appeal is limited to the grounds reffered to in section 84 (1) (c) of the Nationality, Immigration and Asylum Act 2002”

Meanwhile i submitted an investment account statement with 500k in it, this was not mentioned. Please we are so confused, help us with your suggestions, we are thinking of writing them.

Hello House,

I am so devastated at the moment, i have been refused uk visa for the second time. the first time it was because i was applying alone and not with my husband. Then we decided that we apply together for the second time, provided all documents including wedding pics, introduction letter from employer, tax clearance, land documents, bank statements, investment account statement, introduction letter from my husband's brother who is a british citizen etc. And we discovered that we has been rejected today, our applications were sent to sheffield. Their reasons are below.
For my husband
"On your application you stated that you have been employed as a banker since 17/10/2007 and that you earn a total monthly income of 359,479.16 NGN (1461.36) a month. As evidence of this you have presented an employment letter form Bleep Bank. I note that your stated income is reflected in your bank statements, however I note that on28/07/2012 the balance in your account was 32,845.92 NGN (133.53) and then you deposited a total of NGN 1,503,500 (6,112.05) into your account between the 29/07/2013 and 07/08/2013. This funds represent more than 4 times your declared income. I do not find it credible that the credits to your account would be inconsistent, if your stated income was an accurate reflection of your actual circumstances especially that you have stated you do not receive any income from any other source because I am not able to understand the origin of funds held in your bank, I am not satisfied that you are genuinely available to support your visit not that the balance of this account is a true reflection of your usual financial circumstances. Furthermore I note that you have no evidence of travel and compliance with immigration procedures similar to those of the UK which might offset my concerns……………… Your right of appeal is limited to the grounds reffered to in section 84 (1) (c) of the Nationality, Immigration and Asylum Act 2002”

And for Mine

“On your application you stated that you have been employed as a banker since 17/10/2007 and that you earn a total monthly income of 169,000 NGN (687.02) a month. As evidence of this you have presented an employment letter form XXXXX. The bank statement indicate a current balance on 12/08/2013 of 118,798.16 (482.94) I note that you have indicated that the cost of the trip to you personally with be 900 pounds and considering that this represents more than the funds held in your bank account, I am not satisfies that this expenditure is credible when considered against your personal circumstances. Furthermore I note that you have no evidence of travel and compliance with immigration procedures similar to those of the UK which might offset my concerns. You stated that your husband gives you 120pounds monthly for upkeep, however you have not provided any evidence of this. Furthermore I note that you have stated that your spouse will give you 1600 pounds towards the cost of your trip, however I note that on 28/07/2013 the balance your sponsor’s account was 32,845.92 NGN (133.53) and then he deposited a total of NGN 1,503,500 (6,112.05) into his account between the 29/07/2013 and 07/08/2013. This funds represent more than 4 times his declared income. I do not find it credible that the credits to his account would be inconsistent if he doesn’t receive any income from any other source because I am not able to understand the origin of funds held in your bank, I am not satisfied that you are genuinely available to support your visit not that the balance of his account is a true reflection of his usual financial circumstances ……………… Your right of appeal is limited to the grounds reffered to in section 84 (1) (c) of the Nationality, Immigration and Asylum Act 2002”

Meanwhile i submitted an investment account statement with 500k in it, this was not mentioned. Please we are so confused, help us with your suggestions, we are thinking of writing them.