teana4040:
I really appreciate ur response.... As regards the letter from his workplace...its letter of standby

Also recently he deposited some money into my account....do we need a covering letter or explanations for it

Letter of standby is better than Termination

The more you explain the better for you...if possible just explain every deposit

Best of Luck

belloluddy:

Thanks sir, for me and my hubby and 2 little kids. How much can we have in a bank account ?
Pls like how much ? We intend staying with a friend, or will hotel be a better option ?
Thanks alot

How much you should have depends on what your expenses will be so do an estimate for flight, if staying in hotel then cost of hotel, and personal expenses like feeding etc.

It will be good if you can stay with your friend(provide evidence of long time relationship) and knock off hotel expense cos the lower your expense compared to your salary and account balance the better for you eg you have N1,000 in your account and you want to spend N600 for the trip, thats a no no but if you are spending like N200-250 for the trip that makes sense.

Do an estimate and put it up for the analyst in the house to have a look and give you a go ahead.

Flight+ Living expenses for 4 of you shud cost nothing less than N600k. Hope you have a lot more than this in your account. The VO will consider ur account balance versus ur budget. If u choose to stay in a hotel, that's extra cost.

Still do a clear budget and post here like Iblaw suggested.

Jus tot I shud add: do not try to inflate ur account, avoid unexplained lump sums.

belloluddy:

Thanks sir, for me and my hubby and 2 little kids. How much can we have in a bank account ?
Pls like how much ? We intend staying with a friend, or will hotel be a better option ?
Thanks alot

OGreene:
Flight+ Living expenses for 4 of you shud cost nothing less than N600k. Hope you have a lot more than this in your account. The VO will consider ur account balance versus ur budget. If u choose to stay in a hotel, that's extra cost.

Still do a clear budget and post here like Iblaw suggested.

Jus tot I shud add: do not try to inflate ur account, avoid unexplained lump sums.

I really appreciate u. My husband earns 417k monthly while I earn 160k, but u know, we spend as we earn, we live in our own personal duplex and we have 2 exotic cars. Currently, my husband have around 300k in his account but once he earns his next salary and mine too, it will go over a million.
However, we budgeted 600k for flight which we already know
Do u suggest my husband should apply first for the visa since his account statement is not buoyant for now with just 300k in his account while myself and the kids apply later?
Thanks a lot

Oluebbie:


Thanks for that. Do have any idea of what they expect to see in the bank statement (how many months statement, how much should be in the account?)

One more thing can we make the application online from here?

6 months bank statement and payslips are always a standard, there is no stipulated amount to have in an account but you should have enough for the whole family, since you and your hubby work i don't see a problem with financial issue.

I'm really not sure if you can apply for her from the UK, haven't tried it before.

ginger123:
the remark that goes transfer between customers and carries the senders name

Oh ok, yes you can use that as point of reference

justwise:


The property inspection thing is a bit of porkies, doesn't apply to your case.

Your employment contract and a letter of salary increase have enough info to justify your employment status and salary then you got your payslips as well.

Sorry for my delayed response, thats great to know one less thing to think about.

Hubby doing his English test on Friday, counting on that now lol

Kind regards

Justwise, vic justice, ralphlaauren,iblaw, and others, I got my package yesterday but wasn't happy with the result, After explaining everything in my application and also in the addition information, they did as if they never read it at all. See below what they wrote in the refusal note-

You have stated that u are employed full time as a PM for xyz company earning 200K, in support of ur application u have submitted a letter from ur remployer and a bank statement, firstly considering the letter in isolation, without any corroborating evidence and noting it was issued on ur request means, it has little evidential value when accessing ur claimed income and employment, secondly I have reviewed the bank statement submitted and I can discern no regular income from an identified source, the deposit are in cash and there for the sources is un identified, I am not satisfied that the docs provided give satisfactoryevidence of ur. Employment and income.

I also not from the bank statement provided that in May 2015, three months before the submission of ur visa application u deposited 1.8M which is 10times ur claimed monthly income, from the documents submitted, I am not able to corroborate the origin of the funds held in ur bank, I am not satified that they are genuinely available to support ur visit not that the balance of this account is a true reflection of ur usual financial circumstances, This means that I am not satisfied that you have therefore accurately presented ur circumstance in Nigeria and this undermines the overall credibility of the application.

In addition from evidence shown, you also have no evidence of travel and compliance with immigration procedures similar to those of the United Kingdom, which might offset my other concerns and it's is not clear why u have chosen this time to visit the UK.

Pls let me hear ur opinion, if I should reapply or just stay put. Urgent attention required.

Oh my, I have been waiting to hear from you yesterday. I have some questions for you.

1) was it ur salary acct u submitted?
2) if u re paid cash at d office, did u get a letter from ur finance dept to back ds up?
3) did you submit ur Offer Letter wch shows ur annual pay breakdown?
4) was the 1.8 million dep explained?
5) what did u now explain in ur cover letter if not to clarify ques 2 and 4

askari01:
Justwise, vic justice, ralphlaauren,iblaw, and others, I got my package yesterday but wasn't happy with the result, After explaining everything in my application and also in the addition information, they did as if they never read it at all. See below what they wrote in the refusal note-

You have stated that u are employed full time as a PM for xyz company earning 200K, in support of ur application u have submitted a letter from ur remployer and a bank statement, firstly considering the letter in isolation, without any corroborating evidence and noting it was issued on ur request means, it has little evidential value when accessing ur claimed income and employment, secondly I have reviewed the bank statement submitted and I can discern no regular income from an identified source, the deposit are in cash and there for the sources is un identified, I am not satisfied that the docs provided give satisfactoryevidence of ur. Employment and income.

I also not from the bank statement provided that in May 2015, three months before the submission of ur visa application u deposited 1.8M which is 10times ur claimed monthly income, from the documents submitted, I am not able to corroborate the origin of the funds held in ur bank, I am not satified that they are genuinely available to support ur visit not that the balance of this account is a true reflection of ur usual financial circumstances, This means that I am not satisfied that you have therefore accurately presented ur circumstance in Nigeria and this undermines the overall credibility of the application.

In addition from evidence shown, you also have no evidence of travel and compliance with immigration procedures similar to those of the United Kingdom, which might offset my other concerns and it's is not clear why u have chosen this time to visit the UK.

Pls let me hear ur opinion, if I should reapply or just stay put. Urgent attention required.

His bank stmt isn't adequately funded right now. Won't be too good

belloluddy:

I really appreciate u. My husband earns 417k monthly while I earn 160k, but u know, we spend as we earn, we live in our own personal duplex and we have 2 exotic cars. Currently, my husband have around 300k in his account but once he earns his next salary and mine too, it will go over a million.
However, we budgeted 600k for flight which we already know
Do u suggest my husband should apply first for the visa since his account statement is not buoyant for now with just 300k in his account while myself and the kids apply later?
Thanks a lot

Askari01, wot of ur aunt's application. Was she issued d visa?

OGreene:
Oh my, I have been waiting to hear from you yesterday. I have some questions for you.

1) was it ur salary acct u submitted?
2) if u re paid cash at d office, did u get a letter from ur finance dept to back ds up?
3) did you submit ur Offer Letter wch shows ur annual pay breakdown?
4) was the 1.8 million dep explained?
5) what did u now explain in ur cover letter if not to clarify ques 2 and 4

1. Yes I submitted My salary account
2. My company either pay in cash if we are not on site and they pay into our accounts via bank transfer if we are on site outside town.
3. No, I only submitted the offer of employment, leave approval and introduction letter from my company with my I'D card.
4. I explained in the additional information section, I told them I bought 2 cars for my self and wife as a surprise but my wife adviced we sell them to purchase a landed property which we sold to someone who remmited the funds into my account and we bought a parcel of land. I gave the bill of lading, for the 2 cars and I also gave the sales of agreement for the vehicles with the application...
5. I only submitted leave approval, introduction letter and offer of employment.

OGreene:
Askari01, wot of ur aunt's application. Was she issued d visa?

Her application is still with them... I pray it works for her.

Hello All,

Please I need advice on a slight issue.

Myself my husband and baby intended applying for a visit visa.
My uncle has written an invitration letter for the three of us and sent it down but my husband will be unable to travel at that time.
My confusion now is that the invitation letter is for three of us and since he wont be travelling, does he still need to apply?
Hope we wont be denied on the premise that the letter is for three people, why is the third person not applying...

please help... no money to waste on application o.
Thanks fam

askari01:


1. Yes I submitted My salary account
2. My company either pay in cash if we are not on site and they pay into our accounts via bank transfer if we are on site outside town.
3. No, I only submitted the offer of employment, leave approval and introduction letter from my company with my I'D card.
4. I explained in the additional information section, I told them I bought 2 cars for my self and wife as a surprise but my wife adviced we sell them to purchase a landed property which we sold to someone who remmited the funds into my account and we bought a parcel of land. I gave the bill of lading, for the 2 cars and I also gave the sales of agreement for the vehicles with the application...
5. I only submitted leave approval, introduction letter and offer of employment.

Bro. I really feel for you, the way i see your application it really look straight and honest...

My question is what Eco really want ? lie or true

askari01:
Justwise, vic justice, ralphlaauren,iblaw, and others, I got my package yesterday but wasn't happy with the result, After explaining everything in my application and also in the addition information, they did as if they never read it at all. See below what they wrote in the refusal note-

You have stated that u are employed full time as a PM for xyz company earning 200K, in support of ur application u have submitted a letter from ur remployer and a bank statement, firstly considering the letter in isolation, without any corroborating evidence and noting it was issued on ur request means, it has little evidential value when accessing ur claimed income and employment, secondly I have reviewed the bank statement submitted and I can discern no regular income from an identified source, the deposit are in cash and there for the sources is un identified, I am not satisfied that the docs provided give satisfactoryevidence of ur. Employment and income.

I also not from the bank statement provided that in May 2015, three months before the submission of ur visa application u deposited 1.8M which is 10times ur claimed monthly income, from the documents submitted, I am not able to corroborate the origin of the funds held in ur bank, I am not satified that they are genuinely available to support ur visit not that the balance of this account is a true reflection of ur usual financial circumstances, This means that I am not satisfied that you have therefore accurately presented ur circumstance in Nigeria and this undermines the overall credibility of the application.

In addition from evidence shown, you also have no evidence of travel and compliance with immigration procedures similar to those of the United Kingdom, which might offset my other concerns and it's is not clear why u have chosen this time to visit the UK.

Pls let me hear ur opinion, if I should reapply or just stay put. Urgent attention required.

My brother, I understand your plight, especially when you think you are over qualified and will definitely return back to your work and family after the visit.

I submitted 27th August, four days before you did and no response yet.

@Askari01, Truly I personally don’t feel comfortable with your company paying your salary in cash.

I have a company (Small Business Owner) and I can tell you even the peanut paid to the company’s reception is drawn directly from the company's account to her own personal account and is described as I.e. (January 2015 Salary)

You shot yourself in the leg in your case, because while the VO is evaluating/accessing your company, so many factors are considered. No serious company will pay Monthly salary of 200k in cash.

Though I am yet to get my visa, but I have learnt a lot from Nairaland Travel Section the major reason why applicants are refused visa which is based on finances, no doubt.

Lesson: If you are a first time applicant, or you’re yet to get positive result, please avoid using statement of account that has unexplainable deposit.

If you have a transfer of say 2M which cannot be explained, please wait until after 6 Months when it will not reflect in your statement of account because yon won't be there to defend those lump sum when the VO is accessing your application.

As a business owner, ensure your Monthly wages/Salary is paid at every month into your personal bank account drawn from the company’s account. You can instruct your bank to describe the transfer as I.e. (January 2015 Salary) This will reflect in your statement of account and be visible to the VO.

Chances are that you will be granted a UK visa without hassle if your statement of account is unquestionable and looks great

FrontPageLawyer:



My brother, I understand your plight, especially when you think you are over qualified and will definitely return back to your work and family after the visit.

I submitted 27th August, four days before you did and no response yet.

@Askari01, Truly I personally don’t feel comfortable with your company paying your salary in cash.

I have a company (Small Business Owner) and I can tell you even the peanut paid to the company’s reception is drawn directly from the company's account to her own personal account and is described as I.e. (January 2015 Salary)

You shot yourself in the leg in your case, because while the VO is evaluating/accessing your company, so many factors are considered. No serious company will pay Monthly salary of 200k in cash.

Though I am yet to get my visa, but I have learnt a lot from Nairaland Travel Section the major reason why applicants are refused visa which is based on finances, no doubt.

Lesson: If you are a first time applicant, or you’re yet to get positive result, please avoid using statement of account that has unexplainable deposit.

If you have a transfer of say 2M which cannot be explained, please wait until after 6 Months when it will not reflect in your statement of account because yon won't be there to defend those lump sum when the VO is accessing your application.

As a business owner, ensure your Monthly wages/Salary is paid at every month into your personal bank account drawn from the company’s account. You can instruct your bank to describe the transfer as I.e. (January 2015 Salary) This will reflect in your statement of account and be visible to the VO.

Chances are that you will be granted a UK visa without hassle if your statement of account is unquestionable and looks great

Thanks... I really understand you... but our company pays either via cheque or bank transfer, if we are not on site, they pay via cheque and we can cash at the bank and pay into out accounts, and if we are working on site, we receive our salary via bank transfer... atleast 3 salaries out of the Six months were paid via transfer and 3 were cheques cashed at the bank and I used my company's to pay in. The salary payments shows xyz Ltd march salary, both the cashed cheque payment N bank transfer.

BABAOYIN:


Bro. I really feel for you, the way i see your application it really look straight and honest...

My question is what Eco really want ? lie or true

They want both...

In as much as I want to believe you submitted a good application, maybe some things were missing. Justwise, Vicjus. and co may disagree wt me.

For response 2- u still didn't say whether u got a letter/proof from ur finance dept stating how much you earn and that you re paid in cash attimes
3- the offer letter is supposed to carry the annual pay and breakdown. Was dis so?
4- if u explained all the huge deposits, wt d bill of lading, dat shud be okay.

askari01:


1. Yes I submitted My salary account
2. My company either pay in cash if we are not on site and they pay into our accounts via bank transfer if we are on site outside town.
3. No, I only submitted the offer of employment, leave approval and introduction letter from my company with my I'D card.
4. I explained in the additional information section, I told them I bought 2 cars for my self and wife as a surprise but my wife adviced we sell them to purchase a landed property which we sold to someone who remmited the funds into my account and we bought a parcel of land. I gave the bill of lading, for the 2 cars and I also gave the sales of agreement for the vehicles with the application...
5. I only submitted leave approval, introduction letter and offer of employment.

You mean the cheques u collected and paid in were narrated as salary payment? Hmmm.

Did you keep copies of des cheques?

askari01:


Thanks... I really understand you... but our company pays either via cheque or bank transfer, if we are not on site, they pay via cheque and we can cash at the bank and pay into out accounts, and if we are working on site, we receive our salary via bank transfer... atleast 3 salaries out of the Six months were paid via transfer and 3 were cheques cashed at the bank and I used my company's to pay in. The salary payments shows xyz Ltd march salary, both the cashed cheque payment N bank transfer.

I tried locating the new address of VFS UK in Ikeja but could not. Please can someone help me with the address as I am applying for a renewal of visa.

Its handled by Teleperformance now

Check Etiebet's Place, along Mobolaji Bank Anthony

Aigbogun01:
I tried locating the new address of VFS UK in Ikeja but could not. Please can someone help me with the address as I am applying for a renewal of visa.

OGreene:
You mean the cheques u collected and paid in were narrated as salary payment? Hmmm.

Did you keep copies of des cheques?

When ever I get the cheques, I take to the bank, cash it and deposit in my bank account as xyz ltd....

I don't have copies of the cheques since I never know it's gonna be needed.

What's ur suggestion? Should I just forget about it or I should give it a re-shot.

BABAOYIN, whats up? i will reply ur msg now

belloluddy:

I really appreciate u. My husband earns 417k monthly while I earn 160k, but u know, we spend as we earn, we live in our own personal duplex and we have 2 exotic cars. Currently, my husband have around 300k in his account but once he earns his next salary and mine too, it will go over a million.
However, we budgeted 600k for flight which we already know
Do u suggest my husband should apply first for the visa since his account statement is not buoyant for now with just 300k in his account while myself and the kids apply later?
Thanks a lot

I suggest you apply as a family but wait till you both have more fund in your account after salary is paid.

Some people with low account balance get their visa based on how much they earn while others dont so lets not give the ECO the opportunity of using low account balance against you.

mosopefoluwa:
Hello All,

Please I need advice on a slight issue.

Myself my husband and baby intended applying for a visit visa.
My uncle has written an invitration letter for the three of us and sent it down but my husband will be unable to travel at that time.
My confusion now is that the invitation letter is for three of us and since he wont be travelling, does he still need to apply?
Hope we wont be denied on the premise that the letter is for three people, why is the third person not applying...

please help... no money to waste on application o.
Thanks fam

Why not just ask your uncle to write another IV Letter for you and baby or let your hubby still apply if he cant travel with you and baby he can travel later before the visa expires.

You decide, either way but i suggest you get another IV Letter if hubby is not applying.

FrontPageLawyer:



My brother, I understand your plight, especially when you think you are over qualified and will definitely return back to your work and family after the visit.

I submitted 27th August, four days before you did and no response yet.

@Askari01, Truly I personally don’t feel comfortable with your company paying your salary in cash.

I have a company (Small Business Owner) and I can tell you even the peanut paid to the company’s reception is drawn directly from the company's account to her own personal account and is described as I.e. (January 2015 Salary)

You shot yourself in the leg in your case, because while the VO is evaluating/accessing your company, so many factors are considered. No serious company will pay Monthly salary of 200k in cash.

Though I am yet to get my visa, but I have learnt a lot from Nairaland Travel Section the major reason why applicants are refused visa which is based on finances, no doubt.

Lesson: If you are a first time applicant, or you’re yet to get positive result, please avoid using statement of account that has unexplainable deposit.

If you have a transfer of say 2M which cannot be explained, please wait until after 6 Months when it will not reflect in your statement of account because yon won't be there to defend those lump sum when the VO is accessing your application.

As a business owner, ensure your Monthly wages/Salary is paid at every month into your personal bank account drawn from the company’s account. You can instruct your bank to describe the transfer as I.e. (January 2015 Salary) This will reflect in your statement of account and be visible to the VO.

Chances are that you will be granted a UK visa without hassle if your statement of account is unquestionable and looks great

So sad but i remember saying then that the best thing was to wait till when the N1.8m will not reflect in the statement of account

""""4. I explained in the additional information section, I told them I bought 2 cars for my self and wife as a surprise but my wife adviced we sell them to purchase a landed property which we sold to someone who remmited the funds into my account and we bought a parcel of land. I gave the bill of lading, for the 2 cars and I also gave the sales of agreement for the vehicles with the application..."""""

but the 1.8million was paid out, to buy a land....this was explained with evidence. Wouldnt this suffice. Just wondering oooo
If poster explained his other source of income very well, that is the car business, the cars sale shudnt be an issue, even tho its a lot higher dan what he earns.

iblaw:


So sad but i remember saying then that the best thing was to wait till when the N1.8m will not reflect in the statement of account

OGreene:
""""4. I explained in the additional information section, I told them I bought 2 cars for my self and wife as a surprise but my wife adviced we sell them to purchase a landed property which we sold to someone who remmited the funds into my account and we bought a parcel of land. I gave the bill of lading, for the 2 cars and I also gave the sales of agreement for the vehicles with the application..."""""

but the 1.8million was paid out, to buy a land....this was explained with evidence. Wouldnt this suffice. Just wondering oooo
If poster explained his other source of income very well, that is the car business, the cars sale shudnt be an issue, even tho its a lot higher dan what he earns.

I tire ooo Ogreen... all these are just flimpsy excuses, I am just a worker in the company not a member of the board, if my company pays cheque, or cash, or bank transfer, who am I to tell them don't pay cash, the koko is that I get paid. Should I ask our finance department for a letter explaining all these?

Nothing wrong in accepting cheques for salary payment only that it shud be explained in d application WITH EVIDENCE wch can be a letter from ur Finance dept or the cheques used.

askari01:


I tire ooo Ogreen... all these are just flimpsy excuses, I am just a worker in the company not a member of the board, if my company pays cheque, or cash, or bank transfer, who am I to tell them don't pay cash, the koko is that I get paid. Should I ask our finance department for a letter explaining all these?

Ogenee and Iblaw, please i have try to sent P.M to both of you but i was not allow because you need to permit me from your ends first..

Hey! I replied

Cc: BABAOYIN

OGreene:
BABAOYIN, whats up? i will reply ur msg now