Quote Originally Posted by Rob&Lol2009 View Post
Hi,

I have a little problem and need some advice from anyone. 6 months ago i took a loan out to get my bank balance in the black. I have now got six months worth of healthy statements not showing the loan repayments, However, i have overlooked one little detail and that is that my Nov statement shows the overdraft interest for Sept that i was charged.

Is there any chance that i could only submit 5 months bank statements and that would be sufficient?

Cheers.

Rob.
Submit all six statements, and in your letter of sponsorship, explain to them WHY you took out the loan and use the eveidence of the 5 healthy statements as proof that your finances are OK.

It sounds like your financial sitation is not as bad as mine was as I was in an IVA (Trust deed) for three years and also have a Mortgage AND Secured Loan. I decided to be 100% honest about my finances, and explained in detail about my situation and how I had taken on extra work to sort my self out. I also made a spreadsheet showing my income and ourgoings to prove I was OK.

In Short, if you submit only 5 bank statements, they may think you are hiding something and that could tip the "balance of probablility" against you.

Submitting all six, with a short explanation will give the ECO all the facts and will therefore help to remove any doubts.

My Fiance has her interview TOMORROW so I'm assuming my financial situation hasn't been a problem for the application . . . if it was then it would have been rejected because there is nothing that my Fiancee can tell them that hasn't already been mentioned in paper.

Be honest and you will be fine - I know its scary to admit something that you think MAY go against you. But that is MUCH better than hiding something and they WILL want to know why.