Morning my people, I couldn't get a hold of my payslips and I'm submitting tomorrow.

Hope it won't be a problem...
Do i need to mention that in the cover letter?

Good morning house,

I booked an appointment for thursday but I realised I had an error on the date of birth I input on the system. Please how can I correct this error? Do I need to cancel the appointment and reschedule another? Your candid advise and solution would be appreciated.

Thanks

Help Please am self employed, I don’t pay myself salary . Please what’s the correct answer when asked how much do you earn annually? Tried leaving it vacant but a figure is required. Please what do I input there?

Who says the applicant cannot raise N1.4m from some place else before the scheduled trip?

Its not wise to make a mountain out of a pea sized issue.

After all the applicant won't fly free to the UK or sleep on the roadside or eat grass?

Money taken out can always be put back. Its no crime. Its not fraudulent.

Get money for the trip and jet out.

justwise:


I'm a nairaland person.

So based on your own analysis taking away 1.4m out of 1.5 leaving you with 100k is not a crime even when you have told the ECO that you budgeted 1.5m for the trip? So 100k is enough to travel to the UK?

Obviously you don't know what fraudulent or misrepresentation means going by your post.

If you lied to somebody or committed crime and was not caught at that time that does not mean that what you did is right.


The only reason you withdraw the money after submitting the application is because if you do that before submitting then chances are that you will be refused for not meeting the financial requirement.


I really wonder why this is difficult for some of you here to understand.

Is there a clause in the form that once account statement is printed, funds should not be withdrawn therefrom until the applicant makes and returns from the trip?
If there isn't (which is positive as there isn't) then, NO CRIME and or FRAUD is committed.

Bossladyorigina:
Who says the applicant cannot raise N1.4m from some place else before the scheduled trip?

Its not wise to make a mountain out of a pea sized issue.

After all the applicant won't fly free to the UK or sleep on the roadside or eat grass?

Money taken out can always be put back. Its no crime. Its not fraudulent.

Get money for the trip and jet out.

You don't apply for visa today and meet the requirement tomorrow, if you submitted bank statement declaring that you have the money for the trip then decided to withdraw that money after submitting then that is a misrepresentation because your condition is not as you stated.

That is a fraudulent practices.

Ijeshalomo:
Good morning house,

I booked an appointment for thursday but I realised I had an error on the date of birth I input on the system. Please how can I correct this error? Do I need to cancel the appointment and reschedule another? Your candid advise and solution would be appreciated.

Thanks

you could correct it on your application form by striking it off neatly with single line, write the correct Date of Birth and sign off and insist that page is scanned alongside your supporting documents because application forms are not scanned. Also point it out and include it your cover letter to give you comfort and ensure its not missed out

Gideonaigbe:
can anyone help me with the process to write a cover letter.

when are you submitting bro?

I'm not a nairaland person. Please how much of a chance do you have if you stay 3 months in the UK instead of 10days. A friend wants to apply again but the first time he spent almost 3 months. Is there any need to apply? Or should he just forget about it

Please I need urgent help here

quote author=Tintas post=73744448]Help Please am self employed, I don’t pay myself salary . Please what’s the correct answer when asked how much do you earn annually? Tried leaving it vacant but a figure is required. Please what do I input there? [/quote]

kokoli:


you could correct it on your application form by striking it off neatly with single line, write the correct Date of Birth and sign off and insist that page is scanned alongside your supporting documents because application forms are not scanned. Also point it out and include it your cover letter to give you comfort and ensure its not missed out

Thank you. I will do as advised.

justwise:


You don't apply for visa today and meet the requirement tomorrow, if you submitted bank statement declaring that you have the money for the trip then decided to withdraw that money after submitting then that is a misrepresentation because your condition is not as you stated.

That is a fraudulent practices.

You seem really bent on making a mountain out of a molehill here. Are there not people who have been granted visas without enough money in their accounts? Where the ECO decided to grant them visas based on their inflow & outflow plus other factors on their application eg travel history, family ties, occupation etc. Are there not people who have been denied visas even with fat account balances? The account balance is just 1 of the factors, it’s not necessarily a determining factor all the time..

That said, would you tell me not to withdraw the money in my account if I have some pressing needs just because I have applied for a visa which I plan to use maybe 3months later? Even when I know that I can raise the funds for my trip in those 3months...? There are a lot of reasons why someone may have to use the funds in the account temporarily.... Not everything or everyone is fraudulent...

shawlar:


You seem really bent on making a mountain out of a molehill here. Are there not people who have been granted visas without enough money in their accounts? Where the ECO decided to grant them visas based on their inflow & outflow plus other factors on their application eg travel history, family ties, occupation etc. Are there not people who have been denied visas even with fat account balances? The account balance is just 1 of the factors, it’s not necessarily a determining factor all the time..

That said, would you tell me not to withdraw the money in my account if I have some pressing needs just because I have applied for a visa which I plan to use maybe 3months later? Even when I know that I can raise the funds for my trip in those 3months...? There are a lot of reasons why someone may have to use the funds in the account temporarily.... Not everything or everyone is fraudulent...

No i don't know anybody who got a visa without enough money to pay for the trip and if you feels that i'm making too much of it then learn how to use the scroll bar and zip pass my post on this.

If you applied for visa and withdraw the money meant for the trip after submitting then that is misrepresentation/fraudulent because the bank statement you presented is not as its.

The ECO or the bank doesn't know about your pressing need that made you withdraw the money. People 'build' an account just to show that they have the money for the visa application and return the money to the owner after submitting the application.

Justwise, Ekpotek and all the gurus , please help me

Tintas:
Please I need urgent help here

quote author=Tintas post=73744448]Help Please am self employed, I don’t pay myself salary . Please what’s the correct answer when asked how much do you earn annually? Tried leaving it vacant but a figure is required. Please what do I input there?

Followed this same format and included only company statement of account.

Tintas:
After the board letter , did you include the company’s statement of account or just your personal account

You need to prove to the ECO beyond doubt that you have enough funds to cover cost of your trip and still have enough to lure you back home. In other words, since you're self employed, you need to show that your business capital is separate from your business funds.

If you declare your profit as your annual income, you need to show that you're not using 100% of your profit for the trip. This is why paying yourself a salary would have sufficed as it would show clearly that you made room for your business to scale higher by retaining part of your profit for business expansion.

Also wise to keep separate bank accounts for business and personal.

Tintas:
Help Please am self employed, I don’t pay myself salary . Please what’s the correct answer when asked how much do you earn annually? Tried leaving it vacant but a figure is required. Please what do I input there?

shawlar:


You seem really bent on making a mountain out of a molehill here. Are there not people who have been granted visas without enough money in their accounts? Where the ECO decided to grant them visas based on their inflow & outflow plus other factors on their application eg travel history, family ties, occupation etc. Are there not people who have been denied visas even with fat account balances? The account balance is just 1 of the factors, it’s not necessarily a determining factor all the time..

That said, would you tell me not to withdraw the money in my account if I have some pressing needs just because I have applied for a visa which I plan to use maybe 3months later? Even when I know that I can raise the funds for my trip in those 3months...? There are a lot of reasons why someone may have to use the funds in the account temporarily.... Not everything or everyone is fraudulent...

Na to waka pass win am oh! Seems the oga’s mind on this is made up. It is fraud and misrepresentation to him, all good! To me it isn’t, all good too!

What I know is that as long as your application fits the bill at the time you submitted (no negative talk/tag here will reverse this), you are invariably on course. It will be dumb and stupid to not touch monies in your account when pressed for it because of reasons so far proffered. Because of visa? Mtcchhheeewwww! “When you see wetin big pass farm, you go leave farm oh”, this is a saying of my people....

My 6 months statement of Account submitted with an application is the best reflection there’s of my financial situation to the ECO and not these other unnecessarily overflogged considerations please!

I totally support justwise in this argument.

Whether you have inflow or outflow final account balance takes huge factors in visa decision.
You can't apply for visa with low balance and expect visa in your PP only if you show some financial proof like FD or TB.

Withdrawing funds in your account after showing the ECO you have enough funds for trip In your account statement is totally wrong.

I totally support Justwise too, I know of someone who was denied visa because the person lodged some money in the account even before the visa application and immediately withdrew the money after submitting the application. He was denied visa and the ECO said he was denying her because of false representation. The account was checked and it was found out that the money was withdrawn, na denial jor.
Just wise, abeg leave him and let him forge ahead, a word is enough for the wise. Experience is the best teacher.

I feel I have cause a lot of arguments regarding account issue and thought it's better to share the outcome of my application.
Just collect my passport back now and Visa issue.
Below are my submission.

All my CAC document
TCC with nil payment for three years assessment
Three different share certificate
One building plan and two landed property
Wife and daughter birth certificate
Personal Bank account with 1.7m balance though account run well, 11m transaction in 6 months
Plan to spend 700k for the trip
Virgin passport

A friend of mine who is an agent help with the application and suggest I leave minimum of 1m balance in the account till decision made.

My experience, what matter most is the turnover on your account.

Hello All,

Is Money Market investment relevant to the VISA Application outcome? Note: All subscriptions are from Salary Account.

Thanks @Bigtt76 please what’s the right amount to input in that column then? I’d appreciate some guidance
quote author=bigtt76 post=73767267]You need to prove to the ECO beyond doubt that you have enough funds to cover cost of your trip and still have enough to lure you back home. In other words, since you're self employed, you need to show that your business capital is separate from your business funds.

If you declare your profit as your annual income, you need to show that you're not using 100% of your profit for the trip. This is why paying yourself a salary would have sufficed as it would show clearly that you made room for your business to scale higher by retaining part of your profit for business expansion.

Also wise to keep separate bank accounts for business and personal.



[/quote]

That's the problem. You alone can decide that because it's based on how much you've truly earned in a year of work or business and for which you can account for each credit to your bank account (business or personal). A besides that, the ECO wants to know you can truly afford the trip.

If I say 2 million naira now, can you account for it in bank statement bearing in mind the ECO would forward same for verification by the bank?

Take note also that whatever you state in there (true or false) , sets you up for further scrutiny.

To start with what do you trade in or what's your business like?

Tintas:
Thanks @Bigtt76 please what’s the right amount to input in that column then? I’d appreciate some guidance
quote author=bigtt76 post=73767267]You need to prove to the ECO beyond doubt that you have enough funds to cover cost of your trip and still have enough to lure you back home. In other words, since you're self employed, you need to show that your business capital is separate from your business funds.

If you declare your profit as your annual income, you need to show that you're not using 100% of your profit for the trip. This is why paying yourself a salary would have sufficed as it would show clearly that you made room for your business to scale higher by retaining part of your profit for business expansion.

Also wise to keep separate bank accounts for business and personal.

Sure. So far you can prove the funds will be available for your trip and is not tied down to.some.other purpose (eg as collateral for a loan etc).

Desore:
Hello All,

Is Money Market investment relevant to the VISA Application outcome? Note: All subscriptions are from Salary Account.

@embolden very true. The ECO wants to see that you're gainfully employed, are able to establish strong ties to your homeland and can afford the trip. All of these you've been able to establish without doubt. Congratulations

ab4m:
I feel I have cause a lot of arguments regarding account issue and thought it's better to share the outcome of my application.
Just collect my passport back now and Visa issue.
Below are my submission.

All my CAC document
TCC with nil payment for three years assessment
Three different share certificate
One building plan and two landed property
Wife and daughter birth certificate
Personal Bank account with 1.7m balance though account run well, 11m transaction in 6 months
Plan to spend 700k for the trip
Virgin passport

A friend of mine who is an agent help with the application and suggest I leave minimum of 1m balance in the account till decision made.

My experience, what matter most is the turnover on your account.

Funny how people think shaaa. You're trying to help people be successful with their visa application and someone is arguing and contesting what is the fact.

If you don't agree, go on with your application without enough bank balances and see if you will succeed naaa.... E nor pass that

justwise:


No i don't know anybody who got a visa without enough money to pay for the trip and if you feels that i'm making too much of it then learn how to use the scroll bar and zip pass my post on this.

If you applied for visa and withdraw the money meant for the trip after submitting then that is misrepresentation/fraudulent because the bank statement you presented is not as its.

The ECO or the bank doesn't know about your pressing need that made you withdraw the money. People 'build' an account just to show that they have the money for the visa application and return the money to the owner after submitting the application.

Hi Oge, please help me out, since you don’t earn salary what did you input when asked how much you earn per annum?

OgeChukwuO:
It took me two weeks. Submitted on the 31st Oct. going for a paid family vacation sponsored by the business I run. Every document submitted was from my business even bank account. I submitted company’s receipts, invoices, pictures, flyers and bank account, letters from my business saying am emtitiled to a paid family leave, letter of introduction explaining I don’t earn salary rather I get allowance and company covers all house expenses. Also submitted my personal tax card, family pictures, letter of consent to travel with my kid, letter from her school, school fees, pictures from school, her results. Booked hotel, booked a tour slot. I didn’t submit personal statement.

Thanks, into Construction

bigtt76:
That's the problem. You alone can decide that because it's based on how much you've truly earned in a year of work or business and for which you can account for each credit to your bank account (business or personal). A besides that, the ECO wants to know you can truly afford the trip.

If I say 2 million naira now, can you account for it in bank statement bearing in mind the ECO would forward same for verification by the bank?

Take note also that whatever you state in there (true or false) , sets you up for further scrutiny.

To start with what do you trade in or what's your business like?

bigtt76:
Sure. So far you can prove the funds will be available for your trip and is not tied down to.some.other purpose (eg as collateral for a loan etc).

Thank You.

How can i prove that?

Jaydee11:
I totally support Justwise too, I know of someone who was denied visa because the person lodged some money in the account even before the visa application and immediately withdrew the money after submitting the application. He was denied visa and the ECO said he was denying her because of false representation. The account was checked and it was found out that the money was withdrawn, na denial jor.
Just wise, abeg leave him and let him forge ahead, a word is enough for the wise. Experience is the best teacher.

I know @the bolded is a lie, a big one, but I will leave you to your conscience.... And you say you are speaking against misrepresentation oh! Then you are using fraudulent means to buttress your point, good for you sir/Ma.

Our moderator very likely know this is a fat lie that constitutes misrepresentation of a high order, because it is capable of defrauding the minds of readers to support your argument. But he is allowing you go scotfree without caution, good too....

I put 12,500 pounds yearly. Also submitted a letter from my coy accountant saying am on allowances. All rent, house expenses and travels are handled by my coy my business account also showed consistent transfer of monthly allowance of 500k or more to my personal account. I didn’t submit my personal account.

Tintas:
Hi Oge, please help me out, since you don’t earn salary what did you input when asked how much you earn per annum?

Hi Everyone, I'm about to apply for a visit visa but will like to know what and what I'll need to be physically present for and if it's only in Lagos too. I stay in the east and my work schedule is not flexible so i need to know before hand so i can plan properly.