Fiancee Visa REFUSED ;-(

[sunshine]

Me and fiance are so devastated I could not believe of the result. This is a nightmare

The reason is that my fiance bank statements were overdrawn in some months and they counted how many occasions and times when he exceeded the agreed overdraft of 150 pounds They were not big amounts overdrawn and it was quickly paid off the following months. He is fully employed and we explain in the letter about the overdrawn and he's been in the Philippines visited me for 5 times in less than 2 years, surely they know that he can afford to support me and not recourse to public funds!

I am so worried its like my whole future collapse in front of me I want to be with my darling. We are going to make an appeal and submit new statements with no overdrawn. His statements are on credit since April when we applied for the visa. But my dilemma is he resign from his previous job and he got new job now. Do you think we have big chance in winning the appeal? We will submit two pay slips: from his previous and his new job, to show that he has regular income coming in.

Wish us luck guys .. and thank you for your help and advices.

[LastViking]

Sorry to hear of your problems Sunshine, I hope that your appeal is successful.

[Tiggers0608]

sorry to hear about that, lots of visa refusal here now

good luck on your appeal

[kenny]

Me and fiance are so devastated I could not believe of the result. This is a nightmare

The reason is that my fiance bank statements were overdrawn in some months and they counted how many occasions and times when he exceeded the agreed overdraft of 150 pounds They were not big amounts overdrawn and it was quickly paid off the following months. He is fully employed and we explain in the letter about the overdrawn and he's been in the Philippines visited me for 5 times in less than 2 years, surely they know that he can afford to support me and not recourse to public funds!

I am so worried its like my whole future collapse in front of me I want to be with my darling. We are going to make an appeal and submit new statements with no overdrawn. His statements are on credit since April when we applied for the visa. But my dilemma is he resign from his previous job and he got new job now. Do you think we have big chance in winning the appeal? We will submit two pay slips: from his previous and his new job, to show that he has regular income coming in.

Wish us luck guys .. and thank you for your help and advices.

I am really sorry to read your news, hope your appeal goes well.
Just be sure to have 6 months bank statements of credit
I will be watching my bank account all the time even though we have just got the visa processed, cus i know it is not the end

Best wishes for you both

[ginapeterb]

I suggest on the basis of the information you have provided, that letting the entry clearance officer look at your application, will no doubt bring the same result, the fact is, the statements showed overdrafts, and in any event a recent change of job, compounds the case.

My suggestion is, you may wish to start the appeals process, by returning the notice of intention to appeal, and do so within 28 days, file the appeal direct with the Asylum and immigration appeals tribunal in Feltham, and then take next 6 months or so to sort out a good record of employment and bank statements showing that the husband can support you without recourse to public funds.

You may try to submit new statements, which you should do in any event, however, I rather fear the result will be the same.

Best of Luck, all is not lost.

[sunshine]

I suggest on the basis of the information you have provided, that letting the entry clearance officer look at your application, will no doubt bring the same result, the fact is, the statements showed overdrafts, and in any event a recent change of job, compounds the case.

My suggestion is, you may wish to start the appeals process, by returning the notice of intention to appeal, and do so within 28 days, file the appeal direct with the Asylum and immigration appeals tribunal in Feltham, and then take next 6 months or so to sort out a good record of employment and bank statements showing that the husband can support you without recourse to public funds.

You may try to submit new statements, which you should do in any event, however, I rather fear the result will be the same.

Best of Luck, all is not lost.

With our situation now; change of job, will it affect the decsion of the appeal? even if we submit new bank statements with our appeal? Why do u say that result will be the same?

What do u suggest we should do best? not go with the appeal and wait after 6 months and start to apply again? Is it ok to apply again?

Thank you for your help & ideas Peter

[joebloggs]

is that the only reason why they refused your visa ?

did you not include any evidence of savings ?

how many of the 6 bank statements were over drawn ?

and the last 4 bank statements are in credit ?

get him to scan the new statments and payslips and email them to you, print them out, also include a copy of his new employment contract, maybe a letter from his new employer stating his pay,hours - i wouldn't worry about him having a new job, as long as he includes evidence of employment.

the existence of an overdraft stop the issuance of a fiancee visa? ..... the answer is simply no. Or rather it is not that simple at all. It merely needs to be clear that your fiancee will not need to claim certain Public Funds.

include a monthly budget showing the amount left after outgoings such as housing costs, gas, electricity, water, Council tax, loan repayments etc.. showing he can support you without recourse to public funds

again mention why he was over drawn in some of the bank statesments and it was only be a small amount, and the last 4 months he was in credit.

http://www.ukvisas.gov.uk/en/howtoap...s/inf19appeals

If you lodge your appeal at the visa section where you were refused, the Entry Clearance Manager will review your case in view of any new evidence that you have supplied with your appeal form. The refusal decision may be overturned at this stage.

if the ECM doesn't over turn the refusal, you could be waiting upto 8 months for it to be heard at AIT, but you could also apply for fiancee visa again (when you have 6 bank statements in credit) and then cancel your appeal if its not been heard, if you get your new fiancee visa.

[KeithD]

Sorry about the refusal, the forums been on a bit of a positive roll the last week.

We have on numerous occassions always said that being overdrawn at any point in bank statements shows that your other half can just about support himself, never mind a wife, pretty obvious when you think about it.

Follow what Pete says, you have only been refused on one thing, you passed on the remainder, so get the bank statements in the black showing more savings each month and you will not have a problem. All it means is enjoy your last Xmas in the Phil with your family.

[IainBusby]

Me and fiance are so devastated I could not believe of the result. This is a nightmare

The reason is that my fiance bank statements were overdrawn in some months and they counted how many occasions and times when he exceeded the agreed overdraft of 150 pounds They were not big amounts overdrawn and it was quickly paid off the following months. He is fully employed and we explain in the letter about the overdrawn and he's been in the Philippines visited me for 5 times in less than 2 years, surely they know that he can afford to support me and not recourse to public funds!

I am so worried its like my whole future collapse in front of me I want to be with my darling. We are going to make an appeal and submit new statements with no overdrawn. His statements are on credit since April when we applied for the visa. But my dilemma is he resign from his previous job and he got new job now. Do you think we have big chance in winning the appeal? We will submit two pay slips: from his previous and his new job, to show that he has regular income coming in.

Wish us luck guys .. and thank you for your help and advices.

Firstly can I ask how many times he was overdrawn in the in the six month period for which he submitted the bank statements for your application and in that period how many times did he visit the Philippines.

If you can show evidence that the reasons for being withdrawn were because of extraordinary expenses and by that I mean expenses that he would not normally expect to have to shoulder, such as air fares and hotel bills etc because he was visiting you in the Philippines, £500 + for a visa application and other expenses incurred by you having to visit Manila to submit your visa application etc, then I think you should appeal directly to the British Embassy in Manila and explain in detail for each occasion why he was overdrawn.

What you need to show is that on a month by month basis, without these "extraordinary" expenses, his financial situation is sound and is perfectly adequate to support you here in the UK without recourse to public funds

I think the change of job isuue will only confuse things at this stage, so if the six months wage slips he submitted were not part of the reason you were refused then there is no need to address this issue at this time. If you appeal directly to the British Embassy there in Phils, the first thing that will happen before it is sent to the UK for a full appeal is that they will look at your application again to make sure that their reasons for refusal were reasonable and at this point they may decide to grant your visa rather than let it go forward to a full appeal hearing.

Iain.

[joebloggs]

We have on numerous occassions always said that being overdrawn at any point in bank statements shows that your other half can just about support himself, never mind a wife, pretty obvious when you think about it.

and its worse for a fiancee visa than a spouse visa, as you still need to pay for the wedding in the uk and then you have to pay for FLR before your fiancee can work. while on a spouse visa, your already wed, you dont need to pay £465 for FLR and she could work straight away, so you have to be more careful when applying for a fiancee visa that you can support her without recourse to public funds.

[sunshine]

is that the only reason why they refused your visa ?

did you not include any evidence of savings ?

how many of the 6 bank statements were over drawn ?

and the last 4 bank statements are in credit ?

get him to scan the new statments and payslips and email them to you, print them out, also include a copy of his new employment contract, maybe a letter from his new employer stating his pay,hours - i wouldn't worry about him having a new job, as long as he includes evidence of employment.

the existence of an overdraft stop the issuance of a fiancee visa? ..... the answer is simply no. Or rather it is not that simple at all. It merely needs to be clear that your fiancee will not need to claim certain Public Funds.

include a monthly budget showing the amount left after outgoings such as housing costs, gas, electricity, water, Council tax, loan repayments etc.. showing he can support you without recourse to public funds

again mention why he was over drawn in some of the bank statesments and it was only be a small amount, and the last 4 months he was in credit.

http://www.ukvisas.gov.uk/en/howtoap...s/inf19appeals

If you lodge your appeal at the visa section where you were refused, the Entry Clearance Manager will review your case in view of any new evidence that you have supplied with your appeal form. The refusal decision may be overturned at this stage.

if the ECM doesn't over turn the refusal, you could be waiting upto 8 months for it to be heard at AIT, but you could also apply for fiancee visa again (when you have 6 bank statements in credit) and then cancel your appeal if its not been heard, if you get your new fiancee visa.

Yes the only reason they refused my visa is that fiance's statements were overdrawn and that they conclude that he cannot afford to support a wife and will recource to public funds.

WE did not include any evidence of savings; only his pay slips. This is our biggest mistake At the moment his savings accumulated to a grand. is this not enough??? he has 3 accounts; current, savings and business account, but still the total is not close to 2 grand. We still need to accumulate it.

The embassy noted that 30 occassions wherein my fiance exceeded the agreed overdraft of 150 pounds. We sumbitted 8 months statements.

We did include a monthly budget showing the amount left (100+ pounds) after outgoings such as mortgage, gas, electricity, water, Council tax, mobile etc.. showing he can support me without recourse to public funds but still they didnt consider.

[LEAHnew]

Hi Sunshine I'm sorry to hear about the refusal,please be strong I understand how you feel. It's part of a trial in your relationship.

In my experience when I was granted a fiancee visa, me and my fiance felt over the moon that finally after 3 years in LDR we'll be together and get married. But my purpose here as fiancee can't happen yet due for some LEGAL PROCEDURE that hinders our plan for marriage it's really devastating as well I am not a strong person but I have my faith and love in myheart as I continue and stand to the man I've chosen to be with me forever.

So sis let's keep on fighting...believe in the power of loveit will be sorted out soon ....Goodluck.

keep the faith,
Leah

[vbkelly]

Me and fiance are so devastated I could not believe of the result. This is a nightmare

The reason is that my fiance bank statements were overdrawn in some months and they counted how many occasions and times when he exceeded the agreed overdraft of 150 pounds They were not big amounts overdrawn and it was quickly paid off the following months. He is fully employed and we explain in the letter about the overdrawn and he's been in the Philippines visited me for 5 times in less than 2 years, surely they know that he can afford to support me and not recourse to public funds!

I am so worried its like my whole future collapse in front of me I want to be with my darling. We are going to make an appeal and submit new statements with no overdrawn. His statements are on credit since April when we applied for the visa. But my dilemma is he resign from his previous job and he got new job now. Do you think we have big chance in winning the appeal? We will submit two pay slips: from his previous and his new job, to show that he has regular income coming in.

Wish us luck guys .. and thank you for your help and advices.

sorry sunshine to hear the bad news anyway goodluck to your appeal, keep shining sis.

[IainBusby]

Yes the only reason they refused my visa is that fiance's statements were overdrawn and that they conclude that he cannot afford to support a wife and will recource to public funds.

WE did not include any evidence of savings; only his pay slips. This is our biggest mistake At the moment his savings accumulated to a grand. is this not enough??? he has 3 accounts; current, savings and business account, but still the total is not close to 2 grand. We still need to accumulate it.

The embassy noted that 30 occassions wherein my fiance exceeded the agreed overdraft of 150 pounds. We sumbitted 8 months statements.

We did include a monthly budget showing the amount left (100+ pounds) after outgoings such as mortgage, gas, electricity, water, Council tax, mobile etc.. showing he can support me without recourse to public funds but still they didnt consider.

This doesn't look good, if he had gone into overdraft now and again that's not too bad, but to exceed his overdraft 30 times in eight months I can understand how the ECO would conclude that he is already living beyond his means and that if he had a wife to support, a wedding and another visa to pay for, he wouldn't be able to afford it.

To be honest I think that you should put this one down to experience and work on getting his finances in order. Then plan a very simple wedding in Phils in six months time or so, with the absolute minimum number of guests, fuss or expense and if he can borrow the money to pay for this all the better. Then, six months on and with his finances looking much more presentable, apply for a spouse visa.

If he could borrow more than is needed for the trip to Phils and the wedding, (ideally it would be better to borrow from a family member or a friend rather the banks etc) he could beef up his savings account (which you really should submit) with the extra money which would make things look even better for your visa application, although if it were a loan from a bank or some other financial institution which would just show up on his bank statements as a major additional outgoing every month then it might not help.

Iain.

[Arthur Little]

Yes the only reason they refused my visa is that fiance's statements were overdrawn and that they conclude that he cannot afford to support a wife and will recource to public funds.

WE did not include any evidence of savings; only his pay slips. This is our biggest mistake At the moment his savings accumulated to a grand. is this not enough??? he has 3 accounts; current, savings and business account, but still the total is not close to 2 grand. We still need to accumulate it.

The embassy noted that 30 occassions wherein my fiance exceeded the agreed overdraft of 150 pounds. We sumbitted 8 months statements.

We did include a monthly budget showing the amount left (100+ pounds) after outgoings such as mortgage, gas, electricity, water, Council tax, mobile etc.. showing he can support me without recourse to public funds but still they didnt consider.

Winnie,

I'm truly sorry to learn of your disappointment. I, for one, would have thought it SHOULD'VE been obvious to the Embassy people that the MAIN reason for the depletion in Warren's finances had been due to the sheer costs incurred in the number of times he'd visited you ... i.e. flights, accommodation and everything else involved. To me, these things in themselves, are a clear indication of the strength of your relationship and, frankly, I'm surprised that the ECO appears to have been less than sympathetic in this respect.

But, as an "incurable romantic" THAT is only MY personal opinion. Realisically, I suppose, it's 'all down to money' [or the apparent lack of it] in the eyes of the British Embassy. And so, in the circumstances, it would be wise to stay tuned to the forum and be directed by the wise counsel already given ... and which you will continue to receive ... on here, as regards your next step.

Whether you decide to appeal against the decision, or start afresh will, at the end of the day, be up to the two of you. So, for the moment, it would seem that Warren would do well to concentrate on ensuring his account is no longer overdrawn and also on building up his savings to at least £2k.

In common with everyone else on this site, I wish I could wave a magic wand to resolve situations like yours. Many of us have 'travelled the same road', so all is not lost. Always know that you are among friends here, and we will do our utmost to guide you wherever - and whenever - possible.

Good Luck!

[NtoN]

Hello Sunshine! Sorry to hear about the refusal. Just like others are saying, be strong & continue to keep the faith. There is always SUNSHINE after the rain.

[Florge]

Hello Sunshine! Sorry to hear about the refusal. Just like others are saying, be strong & continue to keep the faith. There is always SUNSHINE after the rain.

I like the mornings after a night of rain.. there's a refreshing smell in the air... specially when i'm in Davao... clean, fresh, air.. and when I go out the house, I can see Mt. Apo peak... ahhhh... so wonderful to be alive.

Sunshine, don't worry so much so. At least now, you would know what to do. Good luck!

[tiN]

Goodluck Sunshine and all the best

[joebloggs]

This doesn't look good, if he had gone into overdraft now and again that's not too bad, but to exceed his overdraft 30 times in eight months I can understand how the ECO would conclude that he is already living beyond his means and that if he had a wife to support, a wedding and another visa to pay for, he wouldn't be able to afford it.

you joined in jan 2009. didn't you read any of the posts about the few who had visa's refused, and what those who were success did

and you sent no evidence of savings

you were probably doomed from the start, but whats done is done sunshine.

but the ball is in your court, either appeal or make a fresh app, or do both

good luck

[sammy]

hi
Im sorry about your refusal, my mahal and I had the same problem last year and were refused for the same reason. So what I didi was got a loan and put a lump sum in my account but asked the bank to take out the repayments from one of my other accounts which they did but I did not submit the statement showing the loan going in to my account, I used the next one, followed by the next 5 statements which showed a steady £3,000 allways in the black and that helped our fiance visa approval, bearing in mind from the time we were refused we had waited 9 months to finally get there. This is my own experience, I just thought to share it with you and hope you good luck in your decision and best wishes from my fiance and I.

[belfast_dude]

may you have all the luck of the irish in ur appeal....good luck

[Northerner]

I hope in six months or how ever long it is, your post will be one of celebration.

Don't give up. Like others have said it was only the overdraft that blocked this for you both. So now you know that next time you will get your dream come true if you save and save.

And keep smiling. Your time will come:beatnik2:

[joebloggs]

its a game, you against the gov and the embassy, you need to know the rules, and how to beat them, but at the end of the day they are judge, jury and executioner

but for most refusals, with a bit of time and planning that refusal could have been avoided

fail to plan, you plan to fail a warning to others..

[jta]

hi
So what I did i was got a loan and put a lump sum in my account but asked the bank to take out the repayments from one of my other accounts which they did but I did not submit the statement showing the loan going in to my account, I used the next one, followed by the next 5 statements which showed a steady £3,000 allways in the black and that helped our fiance visa approval, bearing in mind from the time we were refused we had waited 9 months to finally get there.

Hi sunshine,

Sorry to hear about ur refusal, If I were u I will get married in the Phil.,and while preparing for documents to be submitted, your husband can save a bit from wages and follow Sammy did ( WE did the same to show that we have more savings during my application ) as quoted above I think everything will be fined. So goodluck....

[sunshine]

This doesn't look good, if he had gone into overdraft now and again that's not too bad, but to exceed his overdraft 30 times in eight months I can understand how the ECO would conclude that he is already living beyond his means and that if he had a wife to support, a wedding and another visa to pay for, he wouldn't be able to afford it.

To be honest I think that you should put this one down to experience and work on getting his finances in order. Then plan a very simple wedding in Phils in six months time or so, with the absolute minimum number of guests, fuss or expense and if he can borrow the money to pay for this all the better. Then, six months on and with his finances looking much more presentable, apply for a spouse visa.

If he could borrow more than is needed for the trip to Phils and the wedding, (ideally it would be better to borrow from a family member or a friend rather the banks etc) he could beef up his savings account (which you really should submit) with the extra money which would make things look even better for your visa application, although if it were a loan from a bank or some other financial institution which would just show up on his bank statements as a major additional outgoing every month then it might not help.

Iain.

Hello Iain, we have discussed it last night with my fiance and we have decided that we will not go with the appeal because we need a little more time to accumulate money and make his statements presentable. We will apply again and start fresh this November or December just before the year ends. His statements are all on credit since April but we just need time to accumulate his savings to 2-3 grand. He will not make a loan cause he do not want another headache. He is earning very good money now with his new job, so we wil make it hopefully . We are not giving up. We are fighting it thru. Our love is strong and we need to be together.

[sunshine]

Winnie,

I'm truly sorry to learn of your disappointment. I, for one, would have thought it SHOULD'VE been obvious to the Embassy people that the MAIN reason for the depletion in Warren's finances had been due to the sheer costs incurred in the number of times he'd visited you ... i.e. flights, accommodation and everything else involved. To me, these things in themselves, are a clear indication of the strength of your relationship and, frankly, I'm surprised that the ECO appears to have been less than sympathetic in this respect.

But, as an "incurable romantic" THAT is only MY personal opinion. Realisically, I suppose, it's 'all down to money' [or the apparent lack of it] in the eyes of the British Embassy. And so, in the circumstances, it would be wise to stay tuned to the forum and be directed by the wise counsel already given ... and which you will continue to receive ... on here, as regards your next step.

Whether you decide to appeal against the decision, or start afresh will, at the end of the day, be up to the two of you. So, for the moment, it would seem that Warren would do well to concentrate on ensuring his account is no longer overdrawn and also on building up his savings to at least £2k.

In common with everyone else on this site, I wish I could wave a magic wand to resolve situations like yours. Many of us have 'travelled the same road', so all is not lost. Always know that you are among friends here, and we will do our utmost to guide you wherever - and whenever - possible.

Good Luck!

Helloo Arthur thank you for your kind and inspiring words and for using our real names that made me smile.

We have decided not to go with the appeal. We will start fresh and apply again before the year ends.

[joebloggs]

Helloo Arthur thank you for your kind and inspiring words and for using our real names that made me smile.

We have decided not to go with the appeal. We will start fresh and apply again before the year ends.

an appeal could take you many months and you may not win it, so making a fresh visa app, could be the best way to go..

good luck winnie

[pumpkins]

i have learned a lot in this thread.. especially from the responses of the members and moderators..thanks to this forum..

[sunshine]

hi
Im sorry about your refusal, my mahal and I had the same problem last year and were refused for the same reason. So what I didi was got a loan and put a lump sum in my account but asked the bank to take out the repayments from one of my other accounts which they did but I did not submit the statement showing the loan going in to my account, I used the next one, followed by the next 5 statements which showed a steady £3,000 allways in the black and that helped our fiance visa approval, bearing in mind from the time we were refused we had waited 9 months to finally get there. This is my own experience, I just thought to share it with you and hope you good luck in your decision and best wishes from my fiance and I.

Hello SAmmy thank you for sharing your experience with us. This gives us more hope. Was it fiancee visa refusal before???

Between these 9 months of preparation to apply again, have u visited her during these times?

[sunshine]

hi
Im sorry about your refusal, my mahal and I had the same problem last year and were refused for the same reason. So what I didi was got a loan and put a lump sum in my account but asked the bank to take out the repayments from one of my other accounts which they did but I did not submit the statement showing the loan going in to my account, I used the next one, followed by the next 5 statements which showed a steady £3,000 allways in the black and that helped our fiance visa approval, bearing in mind from the time we were refused we had waited 9 months to finally get there. This is my own experience, I just thought to share it with you and hope you good luck in your decision and best wishes from my fiance and I.

an appeal could take you many months and you may not win it, so making a fresh visa app, could be the best way to go..

good luck winnie

Thank you Mod joe. We still have hope. We are not giving up. Next time there will be Sunshine

And thank you to all the members who sympathize with us and gave inspiring words. We will not forget.