₦airaland Forum

ZubyTimo:
Hallo, I got this email. Please what's the way forward?.

Have you received any mail
If yes, how did you go about it

jmoore:
1. Never use your personal business account for business transactions.

I submitted a business account and it was mistaken for personal account that is definitely an error from the VO.

2. As a business owner, you should be paying yourself. So the only money that should come from your business into your personal account is the salary you paid to yourself.

3. Activate your CAC.

I will work on it.

How soon can I reapply if I write a cover letter explaining the misrepresentation from the VO part and I have activated my CAC status?

9jaLaw:
Many thanks for pointing that out. You are absolutely right!

Confirmed.
Policy change . All pages of passport to be uploaded including blsnk pages. Quite silly if you ask me.

For context im appyying from the US.

mayowa94:
I will work on it.

How soon can I reapply if I write a cover letter explaining the misrepresentation from the VO part and I have activated my CAC status?

Based on what you shared there is no misrepresentation by the VO. You submitted bank accounts whatever you submit must back up your details on the form

Your business us separate from you. That should reflect in your bank accounts

Get taxes done for your business

Your annual income is what you pay yourself from your business yearly. So pay yourself salary monthly because your business employs YOU.

How long should you wait? 6months minimum


Lastly what you intend to spend on this vacation should be a reasonable reflection of your savings. So you cant put an amount for your trip that is for example 4months of your salary

Taal17:
Based on what you shared there is no misrepresentation by the VO. You submitted bank accounts whatever you submit must back up your details on the form

Your business us separate from you. That should reflect in your bank accounts

Get taxes done for your business

Your annual income is what you pay yourself from your business yearly. So pay yourself salary monthly because your business employs YOU.

How long should you wait? 6months minimum


Lastly what you intend to spend on this vacation should be a reasonable reflection of your savings. So you cant put an amount for your trip that is for example 4months of your salary

This visa is for my father and I am the one sponsoring the whole visa.

Hello everyone
What does it mean if I get a mail from UKvi saying that I may have received an update on my application and that I should do a survey.
Thank you

mayowa94:
This visa is for my father and I am the one sponsoring the whole visa.

Then that's a different context , you should have mentioned that.

Who's personal account did you use? Yours or his.
The refusal see details are directed to you Dad and what was submitted.

Since you're sponsoring the form has to reflect that your dad is not sponsoring.
So what part are you sponsoring? Ticket accommodation expenses? is your Dad working, does he have an account ?
Who has the annual income of 5million?

It's possible that you have filled the form in such a way that it looked like the bank statements incl corporate accounts are your Dad's not yours.

Taal17:
Then that's a different context , you should have mentioned that.

Who's personal account did you use? Yours or his.
The refusal see details are directed to you Dad and what was submitted.

Since you're sponsoring the form has to reflect that your dad is not sponsoring.
So what part are you sponsoring? Ticket accommodation expenses? is your Dad working, does he have an account ?
Who has the annual income of 5million?

It's possible that you have filled the form in such a way that it looked like the bank statements incl corporate accounts are your Dad's not yours.

I am sponsoring everything and I submitted my bank account. He is retired but he has a business. He has an average income of 5 million that the business can generate but it is not constant. I submitted his business account and not personal account think the business will help the application. Also, that was why I choose self-employed. How can I rectify this please 🙏

Note: my mum was issued visa but he was refused.

mayowa94:
I am sponsoring everything and I submitted my bank account. He is retired but he has a business. He has an average income of 5 million that the business can generate but it is not constant. I submitted his business account and not personal account think the business will help the application. Also, that was why I choose self-employed. How can I rectify this please 🙏

Note: my mum was issued visa but he was refused.

Just use only his personal account, remove his business account.
You are sponsoring so ypur personal account is fine. But your your personal account should have more than enough to show you can sponsor his trip.

The. Form should also indicate your Dad is not paying for this trips expenses. Expenses is air ticket, a stipend for commuting and food. Then accommodation would depend on where he is staying.

Form should say he is retired. or even self employed though his business account isn't necessary to add since he's not paying for the trip.

If he's traveling with your mum then that section about who is accompanying can be include her.

The last part of the form where it says any additional information vou can use to address or include information. Especially if it is to take a trip with your mum.

I wouldn't rush to reapply unless they want to travel together soon.

Those are my thoughts

Taal17:
Just use only his personal acvount, rewmove his business account.
Ypu are sponosring so ypur personal account is fine. But your your personal account should jave more than enough to show you can sponosr his trip.

The. Form should also indicate your Dad is not paying for this trips expenses. Expenses is air ticket, a stipend for commuting and food. Then accommodation would depend on whwre he is staying.

Form should say he is retired. or even self employed though his business account isnt necessary to add since he's not paying for the trip.

If he's traveling with your mum then that section about who is accompanying can be include her.

The last part of the form where it says any additional information vou can use to address or include information. Especially if it is to take a trip with your mum.

I wouldn't rush to reapply unless they want to travel together soon.

Those are my thoughts

Hope changing from self-employed to retired won't raise further issue?
Also, should I address the reasons stated in the decision letter in cover letter when reapplying?

mayowa94:
Hope changing from self-employed to retired won't raise further issue?
Also, should I address the reasons stated in the decision letter in cover letter when reapplying?

That's why I said you can still keep it as self employed if you want to stay consistent.
About his annual income and other stuff it's really up to you. If you can wait for another 6montha so his inflows show his business pays him a salary then that would be okay.
You can mention he has a business in the additional info section. Activate the CAC. Then state you his son is paying for the trip so no need to add his corporate account.

mayowa94:
The decision
I have refused your application for a visit visa because I am not satisfied that you meet the
requirements of paragraph(s) V4.2 – V4.6 of Appendix V: Immigration Rules for visitors for
the reasons stated below.
• You state that you intend to visit the UK for a period of 14 Days for the purpose of tourism
and visiting your relatives in the UK.
• You state that you are self-employed with an annual income of 5,000,000.00 NGN
(£2,404.43, at an exchange rate of £1 = 2079.49 NGN as seen on oanda on
15/08/2025) and you have provided your personal savings bank statement (account
ending in 7826) to demonstrate your financial circumstances. Whilst I acknowledge your
supporting information, I note that the credits and balances in your personal account are
not consistent with, and in fact exceed, your declared annual income. From our
calculations, you have received more than your annual income in credits to this bank
account in the month of May alone. As the total lodgement/credits figures are not in line
with your stated annual income this consequently damages the credibility of your declared
financial circumstances. Therefore, I am not satisfied you have given an accurate reflection
of your current employment/financial circumstances.
• You have provided your personal and corporate bank statements to demonstrate your
financial circumstances. I note that your personal bank account is being used for business
purposes. As this savings statement also represents funds used for the activities and
running of your business, and you have not demonstrated that these funds are available
to support anything else, this documentation, in isolation, does not demonstrate your
personal financial situation. Given this, I am therefore led to doubt your reason for travel
is as stated as I am not satisfied you have given an accurate reflection of your current
financial circumstances in your country of residence.
• Furthermore, you state you are self-employed and to demonstrate your circumstances, I
note that you have provided a certificate of registration for the company. Whilst I acknowledge the documentation you have provided,
the source of the funds in your personal account, as well as your self-employment
circumstances, have been cast into doubt, given that Corporate Affairs Commission
determined the status of your company to be ‘inactive’. I am therefore not satisfied that
your employment and financial circumstances are as you have stated, which leads me to
doubt your intentions of visiting the UK at this time.
• These factors only serve to undermine the credibility of your application and raise concerns
about your intentions to travel to the UK, as well as your incentives of returning to your
country of residence. As such I am not satisfied that, if granted leave to enter as a visitor,
you will comply with all the conditions attached to any such leave or that you will leave the
UK on completion of the proposed visit.

Please which actions should I take to correct this and how soon can I reapply?
The account submitted was a business account.

Before anyone turn to another Onile and decide to start dashing UKVi, take about 7 days to read 1 year messages on this thread and you will find out what to do before ever applying

On this thread, you will find details of how

1. Employee on Salary got visa
2. How self employed got visa
3. Kids and Parents
4. Parents alone
5. Retired

etc

Iamshy:
Everyone please I need help !!!! Please I really do need everyone’s help

My mums visa been refused for the second time

First time in April
Second time today

I am in pain and devastated

I even used an agent the second time

For this second , submitted everything we have within our capacity.
Mums business invoices , photos , landed property , Dadds business in letter headed paper stating he’s in full support of wife travelling , me and husbands payslip.

Please I am in distress !!!

I need help please

This is a cry out for help please , I need help

I think second refusal is not justifiable is .

The gurus in this regard should help out please

I don’t mind chatting directly via WhatsApp or email.

Please help me

It's not by submitting everything. It's by submitting what matches with what you have written in the application.

Same mistake was repeated in both application. Financial aspect has to be right or no approval.

jmoore:
It's not by submitting everything. It's by submitting what matches with what you have written in the application.

Same mistake was repeated in both application. Financial aspect has to be right or no approval.

What can I do right please , mentioned she earns 3m yearly and 150k monthly .

How do I make her financial aspect right please ?

She’s a petty trader
Most of her transactions are in cash

How do I reflect this in her account ?

Help me pls

Iamshy:
Everyone please I need help !!!! Please I really do need everyone’s help

My mums visa been refused for the second time

First time in April
Second time today

I am in pain and devastated

I even used an agent the second time

For this second , submitted everything we have within our capacity.
Mums business invoices , photos , landed property , Dadds business in letter headed paper stating he’s in full support of wife travelling , me and husbands payslip.

Please I am in distress !!!

I need help please

This is a cry out for help please , I need help

I think second refusal is not justifiable is .

The gurus in this regard should help out please

I don’t mind chatting directly via WhatsApp or email.

Please help me

Sorry about the refusal.

Some of the issues I spotted in the application:

1. 3 months visit - too long. Especially when you didn't have a lot of money in your account and neither did your Mum

2. Unexplained deposit in your account shortly before the visa application

3. Reapplying too early

I'm sure there are others but these are the major ones.

Perharps others can help.

Cashmadam:
Sorry about the refusal.

Some of the issues I spotted in the application:

1. 3 months visit - too long. Especially when you didn't have a lot of money in your account and neither did your Mum

2. Unexplained deposit in your account shortly before the visa application

3. Reapplying too early

I'm sure there are others but these are the major ones.

Perharps others can help.

Hi ma’am ,

Kindly the refusal you stated were alll the first refusal

Here is the second

I have refused your application for a visit visa because I am not satisfied that you meet the
requirements of paragraph(s) V4.2-V4.6. of Appendix V because.
• You state you intend to visit the UK for the purpose of visiting family for 21 days. I note
the main purpose of your visit is to visit family. I understand the importance of
maintaining family ties and I have considered all elements of your application, weighing
the importance of your proposed visit against the requirements of the Immigration
Rules.
• I note on your visa application form that you are self-employed with an annual income
of 3000000.00 NGN. In support of this you have provided your bank statement. I note
you have not demonstrated your income derived from self-employment. In addition, I
am not satisfied that your personal bank statement demonstrates business activity.
Therefore, I am not satisfied you have adequately demonstrated your
personal/financial circumstance in your country of residence which leads me to doubt
your intentions.
• You state that you are being sponsored 1500.00 GBP and 1500.00 GBP on your trip
to the UK. However, the supporting information provided does not demonstrate that
your sponsor currently possesses this level of funds for use on your proposed visit. I
am therefore not satisfied that your sponsor will be able to sponsor you for the duration
of your visit whilst in the UK.
• Given the above I am therefore not satisfied that you have demonstrated that your
circumstances are as declared or are as such that you intend to leave the UK at the
end of your visit. This also leads me to further doubt your intentions in travelling to the
UK. Furthermore, I am also not satisfied that your sponsor can and will provide support
to you for the intended duration of your stay. Your application for a visit visa has
therefore been refused under paragraphs V4.2 (a), (c) and V4.3 (c) of the immigration
rules.

My self and husband are the sponsors and our funds are much sufficient enough.

Visa Alert!!!

First, I would like to sincerely appreciate Cashmadam, who has been exceptionally helpful and responsive to all my questions and concerns throughout this visa application process. My gratitude also goes to Giselle and all the other gurus here whose guidance has been invaluable.

I’m sharing my experience in the hope that it might help someone who may be in a similar situation.

Between 2018 and 2019, I had three visa refusals in this order: Canada, the UK (2018), and the US (early 2019). I later reapplied for the Canadian visa and was granted. Subsequently, I applied to the UK but was refused. Nonetheless, I travelled to Canada and returned after about 3–4 days. These trips were all for a global fellowship I had been admitted into, with the organisers sponsoring my travel.

From 2019 onwards, things took a positive turn. I successfully obtained visas and travelled to Belgium (2019), Italy (2022), and the Netherlands (2023), all for conferences sponsored by my current employer. In 2024, I also stayed in Paris on my Schengen (Netherlands) visa before travelling to Morocco. Earlier this year, I attended a conference in South Africa.
Now to my most recent application: I applied for a UK visa to attend a professional summer school. My biometrics were done in Abuja on 16 July, and I picked up my visa today, 19 August.

I must admit that my application was not flawless. I made a few mistakes:

1. Typographical Error in Child’s Name
I mistakenly listed my third son’s name as the same as my second son’s. However, their dates of birth were correctly and distinctly stated.

2. Errors in Visa Refusal Timeline
I disclosed all my previous refusals with the correct reference numbers, but I misstated some dates:
o I listed the date of my Canadian visa refusal as July 2019 instead of July 2018.
o I also misstated the date of my fellowship selection as September 2019 instead of September 2018.

3. Income and Expenses Declaration
Although I earn above one million monthly, I declared my monthly expenses as ₦500,000. A review of my salary account, however, would show that I spend nearly twice that. Consequently, my closing balance at the time of application was less than ₦100,000.

4. USD Account Disclosure
I also submitted my USD account, which had a closing balance above $7,000 but with only one visible inflow of about $900, without any accompanying explanation.

On 8 August, I received an email from UKVI stating: “We are unable to make a decision on your application within published visa processing times.” Naturally, I was worried. When I reached out to Cashmadam, she reassured me that this was a normal occurrence and likely meant they were verifying my documents.

For reference, here are the documents I submitted:
• Employer’s sponsorship letter for this trip
• Letter of employment (since 2010)
• Letter of promotion
• Letter of salary increment
• 6-month salary account statement
• 6-month USD account statement
• 6-month pension account statement
• Visa invitation letter from the summer school organisers
• Copies of all visas from 2009 to date (before my refusals, I had already travelled to Germany, Sweden, Belgium, Kenya, South Africa, and the UK—all before 2010)
• Self-introduction letter detailing my travel purpose, sponsorship, duration of stay, accommodation, activities in the UK, and availability of $500 personal funds outside the sponsorship.

Thankfully, I received a message for passport pick-up and today I have my visa in hand, a 6-month multiple-entry visa. I should be travelling by next week.

Once again, my heartfelt thanks to Cashmadam and all the gurus in this group. Please feel free to reach out to me if you have any questions or need clarification about my experience.

Cashmadam:
Honestly, you just have to be positive and pray the outcome is favourable.

Based on the information you provided, you are likely to get the visa as it is an official trip sponsored by your employer. Your personal circumstances will come into play but previous refusals do not prevent you from getting a visa.

They are most likely trying to verify some of the information you provided.

Keep us informed on your progress.

Taal17:
That's why I said you can still keep it as self employed if you want to stay consistent.
About his annual income and other stuff it's really up to you. If you can wait for another 6montha so his inflows show his business pays him a salary then that would be okay.
You can mention he has a business in the additional info section. Activate the CAC. Then state you his son is paying for the trip so no need to add his corporate account.

Please what are the documents to submit when I want to reapply so that I don't overcomplicate it?

I got an email requesting for additional documents (RWP 6.1, RWP 6.2).
After putting the documents in PDF files, I found out they're almost 200mb (cumulatively).

Does any one know the size limit for additional files?

Taal17:
Based on what you shared there is no misrepresentation by the VO. You submitted bank accounts whatever you submit must back up your details on the form

Your business us separate from you. That should reflect in your bank accounts

Get taxes done for your business
I run my own business with my personal bank account, can i apply with it?

Your annual income is what you pay yourself from your business yearly. So pay yourself salary monthly because your business employs YOU.

How long should you wait? 6months minimum


Lastly what you intend to spend on this vacation should be a reasonable reflection of your savings. So you cant put an amount for your trip that is for example 4months of your salary

I use my personal bank acct to run my business, can i apply with my personal bank acct?

9jaLaw:
Visa Alert!!!

First, I would like to sincerely appreciate Cashmadam, who has been exceptionally helpful and responsive to all my questions and concerns throughout this visa application process. My gratitude also goes to Giselle and all the other gurus here whose guidance has been invaluable.

I’m sharing my experience in the hope that it might help someone who may be in a similar situation.

Between 2018 and 2019, I had three visa refusals in this order: Canada, the UK (2018), and the US (early 2019). I later reapplied for the Canadian visa and was granted. Subsequently, I applied to the UK but was refused. Nonetheless, I travelled to Canada and returned after about 3–4 days. These trips were all for a global fellowship I had been admitted into, with the organisers sponsoring my travel.

From 2019 onwards, things took a positive turn. I successfully obtained visas and travelled to Belgium (2019), Italy (2022), and the Netherlands (2023), all for conferences sponsored by my current employer. In 2024, I also stayed in Paris on my Schengen (Netherlands) visa before travelling to Morocco. Earlier this year, I attended a conference in South Africa.
Now to my most recent application: I applied for a UK visa to attend a professional summer school. My biometrics were done in Abuja on 16 July, and I picked up my visa today, 19 August.

I must admit that my application was not flawless. I made a few mistakes:

1. Typographical Error in Child’s Name
I mistakenly listed my third son’s name as the same as my second son’s. However, their dates of birth were correctly and distinctly stated.

2. Errors in Visa Refusal Timeline
I disclosed all my previous refusals with the correct reference numbers, but I misstated some dates:
o I listed the date of my Canadian visa refusal as July 2019 instead of July 2018.
o I also misstated the date of my fellowship selection as September 2019 instead of September 2018.

3. Income and Expenses Declaration
Although I earn above one million monthly, I declared my monthly expenses as ₦500,000. A review of my salary account, however, would show that I spend nearly twice that. Consequently, my closing balance at the time of application was less than ₦100,000.

4. USD Account Disclosure
I also submitted my USD account, which had a closing balance above $7,000 but with only one visible inflow of about $900, without any accompanying explanation.

On 8 August, I received an email from UKVI stating: “We are unable to make a decision on your application within published visa processing times.” Naturally, I was worried. When I reached out to Cashmadam, she reassured me that this was a normal occurrence and likely meant they were verifying my documents.

For reference, here are the documents I submitted:
• Employer’s sponsorship letter for this trip
• Letter of employment (since 2010)
• Letter of promotion
• Letter of salary increment
• 6-month salary account statement
• 6-month USD account statement
• 6-month pension account statement
• Visa invitation letter from the summer school organisers
• Copies of all visas from 2009 to date (before my refusals, I had already travelled to Germany, Sweden, Belgium, Kenya, South Africa, and the UK—all before 2010)
• Self-introduction letter detailing my travel purpose, sponsorship, duration of stay, accommodation, activities in the UK, and availability of $500 personal funds outside the sponsorship.

Thankfully, I received a message for passport pick-up and today I have my visa in hand, a 6-month multiple-entry visa. I should be travelling by next week.

Once again, my heartfelt thanks to Cashmadam and all the gurus in this group. Please feel free to reach out to me if you have any questions or need clarification about my experience.

Thank you for your kind words and the detailed update.

I'm so glad you got the visa. Congratulations!

Iamshy:
Hi ma’am ,

Kindly the refusal you stated were alll the first refusal

Here is the second

I have refused your application for a visit visa because I am not satisfied that you meet the
requirements of paragraph(s) V4.2-V4.6. of Appendix V because.
• You state you intend to visit the UK for the purpose of visiting family for 21 days. I note
the main purpose of your visit is to visit family. I understand the importance of
maintaining family ties and I have considered all elements of your application, weighing
the importance of your proposed visit against the requirements of the Immigration
Rules.
• I note on your visa application form that you are self-employed with an annual income
of 3000000.00 NGN. In support of this you have provided your bank statement. I note
you have not demonstrated your income derived from self-employment. In addition, I
am not satisfied that your personal bank statement demonstrates business activity.
Therefore, I am not satisfied you have adequately demonstrated your
personal/financial circumstance in your country of residence which leads me to doubt
your intentions.
• You state that you are being sponsored 1500.00 GBP and 1500.00 GBP on your trip
to the UK. However, the supporting information provided does not demonstrate that
your sponsor currently possesses this level of funds for use on your proposed visit. I
am therefore not satisfied that your sponsor will be able to sponsor you for the duration
of your visit whilst in the UK.
• Given the above I am therefore not satisfied that you have demonstrated that your
circumstances are as declared or are as such that you intend to leave the UK at the
end of your visit. This also leads me to further doubt your intentions in travelling to the
UK. Furthermore, I am also not satisfied that your sponsor can and will provide support
to you for the intended duration of your stay. Your application for a visit visa has
therefore been refused under paragraphs V4.2 (a), (c) and V4.3 (c) of the immigration
rules.

My self and husband are the sponsors and our funds are much sufficient enough.

Applicant did not prove how her alleged income is generated. What sort of business does she do? What is the annual turnover and profit?

The VO claimed the sponsor does not have enough money (which can be contested).

The main issue is the applicant's financial standing. If she is really not doing much to earn an income, then just say she is retired or unemployed rather than claiming she is self employed without any tangible income to show.

I hope this helps.

Who is through with linking his or her E-visa account? Please can you do it if you have not collected your international passport from VFS after decision. Please it takes how many days to receive collection mail after decision from Ikeja VFS center?

Dirpetaner:
Who is through with linking his or her E-visa account? Please can you do it if you have not collected your international passport from VFS after decision. Please it takes how many days to receive collection mail after decision from Ikeja VFS center?

You must have your physical passport to link Evisa

.

Osprey101:
You must have your physical passport to link Evisa

Please is it required to link evisa now after passport has been stamped.
Nothing of such was mentioned in any email after visa approval. Am I missing something?

Osprey101:
You must have your physical passport to link Evisa

Sir, did you receive collection mail from VFS or you went directly without receiving collection mail?

Please who knows the cheapest flight ticket to Heathrow without laying over in Amsterdam or any places requiring transit visa

Dirpetaner:
Please who knows the cheapest flight ticket to Heathrow without laying over in Amsterdam or any places requiring transit visa

Places that don’t require transit visa- emirates, Qatar, Turkish, Ethiopian, air maroc. ( cheap)
British airways & virgin Atlantic ( direct & expensive)

Dirpetaner:
Please who knows the cheapest flight ticket to Heathrow without laying over in Amsterdam or any places requiring transit visa

visit Skyscanner website to get this

Cashmadam:
Applicant did not prove how her alleged income is generated. What sort of business does she do? What is the annual turnover and profit?

The VO claimed the sponsor does not have enough money (which can be contested).

The main issue is the applicant's financial standing. If she is really not doing much to earn an income, then just say she is retired or unemployed rather than claiming she is self employed without any tangible income to show.

I hope this helps.

Hi ma’am , can I send you a message directly please ?
I would really appreciate it.