Hello Stuart welcome to Filipino UK forum,

you wrote

he ECO letter stated," You have applied for entry clearance to the UK as a fiancé: however I am not satisfied, on the balance of probabilities that you meet requirements of paragraph 290, and in particular: I am not satisfied there will be adequate maintenance for you and your fiancé, without recourse to public funds, until the date of your marriage and subsequent to your marriage: Because you have provided as evidence your fiancé’s finances his bank statements upto 4th November 2005, his account has a final balance of £38.01. Given that you are unable to work in the UK until after your marriage I am not satisfied this amount is sufficient to maintain both you and your sponsor prior to or subsequently after your marriage. We were both very hurt about this. We submitted all the requirements as per below and our only area of refusal was
Sadly, it is standard practice for the ECO to refuse your girl a visa based on the bank balance of your account, in paticular showing that your last statement issued showed only a balance of £38.01, does not surpise me that your girl was refused, its a bummer I know, but in the light of the story you have presented it all fits.

Have you submitted a 2nd application already ? if so, I wish you had contacted this forum sooner, however if you have there is little we can do to advise you now, other than give you encouragement to pesevere, which in fact you are doing quite well, your comments as follows:

The good thing we can be proud of is we are still together and nothing has been changed on our relationship infact it becomes more stronger and we always keep positive spirit.
This shows to the forum and to anyone else, including Entry Clearance officers that your relationship is subsisting, this of course has dispelled any concerns that the ECO would have about your relationship, however having said that, your subsisting relationship is not the issue for the visa refusal to issue as such.

As your fiancee has been refused on the grounds of financial support with recourse to public funds, what you have done is shown a different position now, in that your savings have increased, and your income will no doubt show that, provided that you are in full time employment or self employment, and your bank statements now look different, as you say, over the last 8 months, I would rather fancy that you will get a positive decision to issue, I am also impressed Stuart by your attitude in this matter, the fact that you have accepted that your fiancee's initital application on the face of what you presented, did not look good, you have accepted that, and moved foward, that is a good sign, and very responsible, I'm sure on this occasion, you will get the decision you are looking for, based on the information you have supplied, I'm sure you will be welcoming Donnlyn to Scotland very shortly, in the meantime, if this happens again, and I do not think it will, then I would have suggested the following in your case.


1. A complete budget statement of your Income and expenditure.

This should follow these lines,


Gross Income for the month xxxx

Less

Housing Cost xxxx
Council Tax xxxx
Utitilities xxxx
Phone Bill xxxx
Any other costs xxxx


Less Loans/credit cards/Car xxxx


Total expenses xxxx

Leaving xxxxx to support the applicant.


This is normally a good way of showing the ECO an overview of your financial position.

Perhaps also you might want to take a look at my website, which will be a good read for you.

Http://www.british-filipino.com

Take care Stuart, well done mate, youre doing everything the right way, let us know the good news will you when your lady love...lands at Glasgow International...know the area very well !

Pete