₦airaland Forum

Makaegbobi:
I'm sorry about your experience, I understand how you feel. It is true, Gtb has been having this glitch since they did that their core banking wahala. The glitch doesn't show on everyone's account and that's why when people like you talk about it, others think you must have tampered with your account statement. It is unfortunate that you didn't carefully go through the statement before submitting it. I think you should go to Gtb headquarters to complain and ask them for a letter acknowledging that the mistake is from their system due to their core banking transition. I don't know how likely it is for you to get this letter but if you're able to get it, you can submit a complaint on UKVI website; clearly explaining what happened. Attach this letter, the account statement you submitted and if possible, the correct account statement to your complaint. There is no guarantee that you'll get your decision reversed but I think it is worth the shot.

davodyguy:
This bank statement as it appears here will make anyone doubt.

Opening balance was about ₦500k
Closing balance ₦6million.

Let's ignore the glitch from GTB about the ₦64m and ₦58m

₦6m minus ₦500k = ₦5,500,000
In 6 months, you're able to do an inflow of ₦5,500,000 in the same account.

This is how the ECO will think taking the account statement literally, that you just made up these ₦5.5m just to get the visa.

Try and understand my point.

This account statement whether glitch or not is responsible for this decision, as no other thing was emphasized on that you did wrongly, except the account

davodyguy:
Apologies if I was wrong, but my response is based on the ECO's letter.

The ECO made it appear as if you submitted just one account, as emphasis was on the ₦64m and ₦58m

davodyguy:
I have read the refusal letter and I'll say this to you and others that have companies, stating they're self employed.

1. If you say you pay yourself ₦600,000 monthly, you must first show that the amount actually enters your account monthly
2. Your company account you transfer from must be made available and the income or source of the funds in that account must be stated. If you have a balance of ₦10m in your company account and in the last 6 months no other inflow or sufficient inflow comes into that company account, then the ECO would doubt it that company is doing well to be able to pay you ₦600,000
3. You stated you have have savings, did you provide the savings account or you just stated it in your VAF or in the letter?
4. You also said you have another annual income of ₦10,200,000. Which business do you do that gave you this ₦10m? Did you also provide a bank statement to show this ₦10m


For you and others reading, you don't just throw figures at UK ECO. They're super smart and would know if you're not saying the truth about your financial circumstances.

You've already been refused before and the ECO referred to it, by saying He/she read the reason for refusal and still claimed he/she treated this application on it merits. That's a lie, they have that bias as soon as they see you've been previously refused and would look for a way to refuse again.


In my case, I stated, I was self employed
I paid myself monthly salary. The bank statement I attached shows the inflow of the salary and outflow of the monthly expenses. They tally 100%.

The company account they the money goes out from, the bank statement was attached and for the entire 6 months, the salary left the account every month, while inflows from businesses the company conducts were also seen. This means if I claim to earn ₦10million a year as individual, then my company should be making 2 or 3 times more than my total annual salary for that company to be able to pay me ₦10million a year, pay taxes, and meet other financial obligations.

You can't just submit a company statement with say ₦16million balance and still claim it's from that ₦16m you pay yourself ₦10m per annum. Nope. Even I would doubt that the company is actually doing well enough to be able to pay you that much.

The ECO stated this clearly.

It's just just submitting bank statements with good balance and stating that you're only spending about 20% of the balance on the trip will convince the ECO to grant you leave of entry.

People need to do better

So, upon reading the refusal letter, the ECO is 100% spot on by this decision.


Paragraph 1: ECO says he/she needs to be convinced that you're doing well in Nigeria (a country where it's economy is doing badly and people begging to survive) so you'll not enter the UK and shout free at last and not want to return back to Nigeria

Paragraph 2: ECO says he/she is aware that you're refused before and craftly stated that the refusal was noted (This is a deep message). The ECO now claiming in the same paragraph that this application is treated separately is just a lie.

Paragraph 3: you stated you earn ₦620,000 monthly from a company as self employed and again from another employment you still earn ₦10,000,000 a year separate from the ₦620,000 a month and from all these earnings, you only spend ₦120,000. Naaaaa. No one will believe this. The disparity is much

Paragraph 5: ECO then say for you that earn ₦10,200,000 how much does this your company make annually to be able to even afford to pay you that much?

Paragraph 6: You earn ₦10million a year and bank statement is showing in flow of 68million and out flow of ₦58million for someone tha earns ₦10m. Where did you see the ₦64million?

Paragraph 7: Your bank statement shows you spent ₦58million, but same you claimed to spend only ₦120,000 monthly.


If I was the ECO, I wouldn't grant the visa over this disparities.

Just forget UK for now and try France or Italy. Those two would not start asking you if you go to toilet or not and if you watch movies or not. UK would question everything.

So to anyone that wants to apply, please learn from this and your package has to be very tight.

davodyguy:
I have read the refusal letter and I'll say this to you and others that have companies, stating they're self employed.

1. If you say you pay yourself ₦600,000 monthly, you must first show that the amount actually enters your account monthly
2. Your company account you transfer from must be made available and the income or source of the funds in that account must be stated. If you have a balance of ₦10m in your company account and in the last 6 months no other inflow or sufficient inflow comes into that company account, then the ECO would doubt it that company is doing well to be able to pay you ₦600,000
3. You stated you have have savings, did you provide the savings account or you just stated it in your VAF or in the letter?
4. You also said you have another annual income of ₦10,200,000. Which business do you do that gave you this ₦10m? Did you also provide a bank statement to show this ₦10m


For you and others reading, you don't just throw figures at UK ECO. They're super smart and would know if you're not saying the truth about your financial circumstances.

You've already been refused before and the ECO referred to it, by saying He/she read the reason for refusal and still claimed he/she treated this application on it merits. That's a lie, they have that bias as soon as they see you've been previously refused and would look for a way to refuse again.


In my case, I stated, I was self employed
I paid myself monthly salary. The bank statement I attached shows the inflow of the salary and outflow of the monthly expenses. They tally 100%.

The company account they the money goes out from, the bank statement was attached and for the entire 6 months, the salary left the account every month, while inflows from businesses the company conducts were also seen. This means if I claim to earn ₦10million a year as individual, then my company should be making 2 or 3 times more than my total annual salary for that company to be able to pay me ₦10million a year, pay taxes, and meet other financial obligations.

You can't just submit a company statement with say ₦16million balance and still claim it's from that ₦16m you pay yourself ₦10m per annum. Nope. Even I would doubt that the company is actually doing well enough to be able to pay you that much.

The ECO stated this clearly.

It's just just submitting bank statements with good balance and stating that you're only spending about 20% of the balance on the trip will convince the ECO to grant you leave of entry.

People need to do better

So, upon reading the refusal letter, the ECO is 100% spot on by this decision.


Paragraph 1: ECO says he/she needs to be convinced that you're doing well in Nigeria (a country where it's economy is doing badly and people begging to survive) so you'll not enter the UK and shout free at last and not want to return back to Nigeria

Paragraph 2: ECO says he/she is aware that you're refused before and craftly stated that the refusal was noted (This is a deep message). The ECO now claiming in the same paragraph that this application is treated separately is just a lie.

Paragraph 3: you stated you earn ₦620,000 monthly from a company as self employed and again from another employment you still earn ₦10,000,000 a year separate from the ₦620,000 a month and from all these earnings, you only spend ₦120,000. Naaaaa. No one will believe this. The disparity is much

Paragraph 5: ECO then say for you that earn ₦10,200,000 how much does this your company make annually to be able to even afford to pay you that much?

Paragraph 6: You earn ₦10million a year and bank statement is showing in flow of 68million and out flow of ₦58million for someone tha earns ₦10m. Where did you see the ₦68million?

davodyguy:
Before reading your letter to address your refusal reason, firstly, the bank statement is for 6 months and not from the year you opened the account. It's clearly stated in the image you shared, except if GTB has a glitch