Quote Originally Posted by jackson.alan46 View Post
I am on a NHS pension, my bank account is never overdrawn, and I can pay all bills each month (with bank statements to prove it), I don't use credit cards, but I don't have £2000 "savings" in my bank account. I have copies of Western Union payments made monthly to support my fiancee, also e mails and I have retained text messages. I'm hopeful that will allow us to obtain a fiance visa. I do have £585 for the visa and of course I'm budgeting to pay for a flight to the Philippines and subsistence while I'm there, hopefully for 3 weeks with my fiancee in April. Does this seem reasonable? Thanks as always for your advice.
I think it's best if you can show some savings because the ECO will know that you will need to be able to pay for your fiancee's flights, the wedding, FLR etc and eventually ILR of course. You could always borrow 2 or 3K, put it in your bank for six months and then add just a little to it each month. As long as you wait 6 months or so before you apply so that the loan doesn't show up on your bank statements.

If you do take out a loan it's best if you can pay the monthly payments on it from another account so that it doesn't look like a major debit from your account each month.