Personal Finances

[joebloggs]

in your Halifax account, have any of your statements been over drawn ? how much have you in the account for each of the 5 months ?

i never explained that i owed money on CC, none of their business,

whats most important is that you have a job and a steady amount of money coming in your account each month

if you've got £4,500 in total you shouldn't have a problem thou

[Jonnywina]

my job is safe right now and we are more busier than ever. I work in a food factory and this sector is safe. My halifax current account was in the red till January but has £1600 in it right now. My A&L a/c has been between £200- 1000 in cash for last 6 months. I did a 10k loan last month to pay off all debts and make into 1 payment. This will come out of halifax.

My £4500 is split across 3 accounts but thinking of putting all into abbey and keeping £500 min balance in each current account. We are working on our application right now and will submit in May.

Thanks for all your help.

[PAT]

my job is safe right now and we are more busier than ever. I work in a food factory and this sector is safe. My halifax current account was in the red till January but has £1600 in it right now. My A&L a/c has been between £200- 1000 in cash for last 6 months. I did a 10k loan last month to pay off all debts and make into 1 payment. This will come out of halifax.

My £4500 is split across 3 accounts but thinking of putting all into abbey and keeping £500 min balance in each current account. We are working on our application right now and will submit in May.

Thanks for all your help.

Goodluck Jonnywina....

[joebloggs]

try not to send statements where your over drawn, they could use it as one of the reasons to refuse your visa. also If there are disproportionate deposits and withdrawals in the bank statements, they should be explained in the sponsor's letter. so try not to send any statements with a lot of cash going in

so if you need to wait for a month or 2 to get rid of your early bank statements it might be worth waiting ..

[Jonnywina]

On my statements I have moved around £10k between the 2 accounts. I have paid off 1 credit card and 1 loan. This shows on both accounts. I may just show 6 months of A&L and 3 months of Halifax. Will this be acceptable? My problem is that halifax was overdrawn in January.

Should I send credit card statements? I don't like to considering 3rd party is handling visa.

Thanks for all your help.

Jonathan

[joebloggs]

i would explain any large movements of money on your bank statements in your letter of support, saying you've paid a loan and a CC off, thou it would have been better not showing any statements with large deposits or withdraws.

yes you should be ok to send 3 of one of them, as long as you have 6 statements of the other account, you only really need to supply statements for 1 account, but if you've got 2 showing a good balance then

i never sent a CC statement, i even used my credit card to transfer £5k to my current account, then transferred the debt to my other CC which had 9 months interest free for CC transfers , got my 6 banks statements, then paid the CC off with the money

just need to plan, but some people don't