₦airaland Forum

b31164707:
To those of you who keep emphasizing that one's salary account should ONLY show salary received every month, please don't forget that there are several instances where applicants receive additional income from end of year bonuses/allowances credited to their salary account by their employers.

Let's say someone's regular monthly salary is 880k Naira and the total additional income received over a three-month period is about 1.6 million Naira. This 1.6 million Naira was received between November 2024 and January 2025, including a one-off commission of about 34k Naira received in January 2025. Can this 1.6 million Naira be reported as additional income from the applicant's employer on the application and will it be factored into the disposable income calculation?

Including the regular monthly salary to the bonuses/allowances received, total inflow in November 2024 is at least 1.3 million, and at least 2 million Naira in December 2024. However, expenses in November 2024 were still less than 50% of the total inflows in November, December's expenses were also still less than 50% of the total inflows in December, but increased to about 900k due to increased expenses during the festive season and the higher income.

b31164707:
To those of you who keep emphasizing that one's salary account should ONLY show salary received every month, please don't forget that there are several instances where applicants receive additional income from end of year bonuses/allowances credited to their salary account by their employers.

Let's say someone's regular monthly salary is 880k Naira and the total additional income received over a three-month period is about 1.6 million Naira. This 1.6 million Naira was received between November 2024 and January 2025, including a one-off commission of about 34k Naira received in January 2025. Can this 1.6 million Naira be reported as additional income from the applicant's employer on the application and will it be factored into the disposable income calculation?

Including the regular monthly salary to the bonuses/allowances received, total inflow in November 2024 is at least 1.3 million, and at least 2 million Naira in December 2024. However, expenses in November 2024 were still less than 50% of the total inflows in November, December's expenses were also still less than 50% of the total inflows in December, but increased to about 900k due to increased expenses during the festive season and the higher income.

Richie003:
I also did my biometrics on the 20th and still haven’t received any response at all. It’s frustrating

whummy4:
I have like 4m already in the account, that would sum up to like 7million by that time , does that work. I am applying with my 10 year old son.For accommodation, I would be staying with my sister and can she write a supporting letter that she will support our expenses there

davodyguy:
What did you do wrong?

America001:
What century do you want to submit your application? You don too analyse.

IGIG:
They said that my salary did not show that I work for my company, and my monthly expenditures is not constant

That was just it

jukeman:
Gurus in the house, Please I need help. How do I attach my cover letter to my uk visa application. Who do I send it to or which email address. Or is it when I am going for biometrics and submission that I will submit the the letter.

jukeman:
Gurus in the house, Please I need help. How do I attach my cover letter to my uk visa application. Who do I send it to or which email address. Or is it when I am going for biometrics and submission that I will submit the the letter.

b31164707:
Lol I dey submit am by the end of this month. I understand these visa officers can be funny regarding the reasons they give for visa denials, so trying to prevent this

Jolene474:
I usually clear the messages in the box hahahah
I just realize you have to leave the message then type yours. Thank you

b31164707:
Ah, this is honestly very strange! Are they expecting your monthly expenditures to be constant from Month A to Month B to Month C? Don't they know that expenses fluctuate? For instance, if your income increases in a particular month, it only makes sense that there'll be higher expenses in that month.


There point is baseless I tell you, what I understand or have learn about them is that thing u think is not important is always important to them

onile1975:
@ jolene474

Please I have questions to ask about your brother that was given visa with a divine 4m account balance.

1)How much is your brothers monthly income?

2) how much is living expenses?

This will encourage other with low account balance.

I really don’t know how my cousin got that visa honestly , I will just say the officer on duty just liked his face.
He gets about 480k I think, I don’t know his living expenses, all I know his parents left him a big house.
I won’t advice anybody to go apply now with that amount cuz Omo it was a miracle.
Lots of deposit in the account but they didn’t flag any of it.
So it’s just his grace.
I think the rate now is another thing, maybe the person who check his didn’t take note of the oanda rate. But in all just to be on the same side, have good money in the bank.

CornOak:
Merge the cover letter with other documents you're uploading online. If you're doing self-upload online on the VFS portal, you're not required to carry any hardcopy with you for biometrics except for your appointment letter.

Good luck.

America001:
Please I’m really going to need every single contribution I can get as I’m about to submit my MIL application.
Important to say she was denied twice last year. The first was because of unexplained funds in her account while the second was because she applied 2 months after the first refusal and they said she should have waited for her circumstances to change.
Now she’s retired and it’s been 4 months since the second refusal and we want to apply for her again but I’ve got questions.
1. Her expenses are higher than her pension but she’s still got over a million naira in her account. This is because she’s been using that account to receive salary and obviously hasn’t blown all the money she earned in her working days. So will this be an issue?
2. The place where it asks if she’s got any additional income. Should she choose only pension or both pension and savings?
The dilemma is that even if she chooses both, she has only one account to provide for both.
The pensions part will ask how much pension she receives per annum. It’s easy to calculate by multiplying by 12 but the issue is she hasn’t earned pension for up to a year yet and the balance in the account like I said earlier is money from her employment days like salaries and leave allowances.
If she clicks on savings it asks how much money she has in savings, is it best to write the closing balance of the account in GBP as her savings?
She’s not contributing to the trip anyway but they will ask for her account statement hence why I’m asking.
Thanks all

jukeman:
Gurus in the house, Please I need help. How do I attach my cover letter to my uk visa application. Who do I send it to or which email address. Or is it when I am going for biometrics and submission that I will submit the the letter.

Modupe1981:
Thanks Cashmadam for ur response

Like how much is save to budget for flights of economic class for 1 adult?

Cashmadam:
N2Million is fine. Some tickets are slightly lower or slightly higher - depending on the airline and period of your travel. Summer and Christmas tickets are quite expensive.

jukeman:
Good morning house, please I need help.
I am trying to upload and submit my application form. And this message popped up “The uploaded file is virus infected, please delete the file “ what should I do? And the file in question is one of my bank statements.

davodyguy:
Okay thanks, 🙏

This is what you should do. Delete it and rescan afresh. I'm guessing you scanned at a Business center that is allcomers with viruses

Cashmadam:
1. Yes, it might be an issue

2. Additional income can be money she gets from her children. Right now, her pension is her main income. She needs to declare savings somewhere else in the form.

With 2 refusals back to back and another application 4 months after the second refusal - my honest advise is for you to wait at least 6 months before she reapplies. As it is, it appears that her statement of account is not in good shape and another refusal might be loading...

If you decide to proceed, I wish you all the best. Keep us informed.

America001:
The most we can wait for is to apply next month (February) because we need her here. I agree her expenses is terribly high but her inflow is pretty decent only from her previous employer where she retired and from the pension board.
Lastly I can tick both the pension and savings on the application form right? Because like I said the balance on her pension account is definitely from her savings while working.

Chudycharles:
2. She visited our GP about twice when she was not feeling well, she also got registered and had her NHS number. Do I declare it and what impact do you sense it will have in the application.

giselle237:
Post the both refusals after redacting personal information. Also careful with ‘the most we can wait talk’… if they deny her again… you will still wait… no matter how sad it is.. you will wait.. even if it means waiting for PAP, review, reconsideration or re-application.

America001:
Okay. I’ll do that. I believe you anyway.

jukeman:
Good morning house, please I need help.
I am trying to upload and submit my application form. And this message popped up “The uploaded file is virus infected, please delete the file “ what should I do? And the file in question is one of my bank statements.

davodyguy:
This is what you should do. Delete it and rescan afresh. I'm guessing you scanned at a Business center that is allcomers with viruses