Bank Details

[cessxy]

Hi All,
I will lodge my application in September for a spouse visa after we get married this coming July. In that time his bank details will show 3 months agreed overdraft due to his house remortgage and also because of his divorce and another incoming 3 months which have no more overdraft. Will this effect my spouse application?

Thanks

[mjwoz]

it wil perhaps.... as what experience members here said,,, DONT SUBMIT OVERDRAWN ACCOUNTS...
goodluck...and keep on reading all the post here,,,im sure u can get and learn more.......

[cessxy]

Thanks MJ.....

But can anyone tell me someone that has been refused a visa because they have been overdrawn. As the visa process is providing information about proof of his income. As his solicitor explained to him they are looking for minimum income of 800 pounds per month and he is earning more on that every month. What grounds do they have to refuse my visa incase?

Thanks

[cessxy]

Thanks MJ.....

But can anyone tell me someone that has been refused a visa because they have been overdrawn. As the visa process is providing information about proof of his income. As his solicitor explained to him they are looking for minimum income of 800 pounds per month and he is earning more on that every month. What grounds do they have to refuse my visa incase?

Thanks

[bornatbirth]

dont show any bank statements that are overdrawn!!

make sure all statements are always at least £2000 plus in them, i would wait until you have 6 months statements

[cessxy]

Yes i hear what your saying but you not exsplain why?

I have read on this forum that people have been granted Visa with £500 in there acounts so why £2000?
Why not show a bank account with a legal overdaft?
I not see proof of anyone yet that has not been granted a visa because of having a overdraft. The only ones i have seen here on this forum that have been refused a visa are because they had a overdraft AND ALSO THAT THEY CANNOT PROVE THERE INCOME ALONG WITH OTHER REASONS..

[bornatbirth]

isnt all overdrafts legal?, a overdraft is a debt ie loan to the bank showing you own them money, is that hard to understand?

the point of 6 months bank statements is to show that you have enough money to support your new wife. The statements should show saving and monthly income ie wages and out going bills, showing you are overdrawn on any of them ie you owe the bank money wont help

i think its best you get your hubby to get 6 months statement without any being overdrawn!!

read this
http://filipinaroses.com/showthread....isa&highlight=

[cessxy]

yes i understand what a debt is

BUT is a morgage not a LEGAL DEBT?
Not hard to understand
Yes BANK STATMENTS Show your earning your income your bills agreed
So his income is very good it will show that and also prove that he can support me if i needed him to.It will also PROVE his Re-Morgage problems and his divorce settlement.
This having £2000 in the bank proves nothing And what i read is a lot of people take out a loan and then they submit statments after the loan has been deposited.
Also you say READ THIS
The long list of reasons includes the following supposition: 'Given your history of working overseas I am not satisfied you intend to live permanently with your spouse.'
His WIFE SAYS .....
She said she'd reached her conclusion because my bank statements show an average overdraft of £1,000 to £2,000 each month.
So again i see no proof

[johncar54]

Are not all overdrafts legal?, an overdraft is a debt, i.e. a loan to the bank showing you own them money, is that hard to understand?
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No an overdraft is not illegal. Even if it is unauthorised. It is of course a 'debt.' Being overdrawn might be slightly different and issuing a cheque when you know you will not have the funds to meet it is an offence of fraud

Whilst I can see the argument that having a healthy balance is better, the fact that a bank has approved an overdraft means they have confidence in you. In fact as I have never had an overdraft, nor for many years a loan nor a mortgage I probably have a very poor credit rating.

[bornatbirth]

are you

your visa will be declined, maybe someone else can explain it to her??

[cessxy]

With all respect to you Born

I see no facts/proof to back up your advice
You say £2000 in the bank but if your read the forum there are people here already with visa that had £500 in the bank.
Also you give me a link to read that says..

She said she'd reached her conclusion because my bank statements show an average overdraft of £1,000. Not the ECO..

Maybe its better for someone else to give us advice?
As the orignal question was will this effect my visa.
IE- Has anyone been refused a visa for JUST being overdrawn..NO OTHER REASONS?

But Thanks anyway for your colorfull coments

[bornatbirth]

i feel sorry for your hubby

[cessxy]

But still the colorful comments
Facts are good

[bornatbirth]

you have been given them

what is your problem?

there plenty posting that they have been declined a visa due to being overdrawn on the 6 months bank statements...have you searched the forum??

just get your hubby to look for you, because its not sinking in?

l have warned you, but go ahead and report back to us

http://filipinaroses.com/showthread....eing+overdrawn

[johncar54]

Hey guys. Let be nice to each other please, we are here to help

[cessxy]

Born can you copy paste me the part thats says they wer refused a visa for being overdrawn as i cannot see that from the link you gave me?

John thank you for your advice
Maybe your respected members should take that advice also

[sars_notd_virus]

Hi All,
In that time his bank details will show 3 months agreed overdraft due to his house remortgage and also because of his divorce and another incoming 3 months which have no more overdraft.

Thanks

If your partner have done his budgeting and he can show that he have enough money for living after paying the rent, loan repaymetns etc, that should be all right. ECO doesn't expect you to be millionaire after all. Your sponsor(partner) should of course, draw out a budget for them to see and provide a cover letter explaining the financial plan.

[bornatbirth]

Born can you copy paste me the part thats says they wer refused a visa for being overdrawn as i cannot see that from the link you gave me?

John thank you for your advice
Maybe your respected members should take that advice also

no, read the thread yourself

you would of thought that some ie you cessxy as a new member would pay more attention to respected members even if its me

[bornatbirth]

If your partner have done his budgeting and he can show that he have enough money for living after paying the rent, loan repaymetns etc, that should be all right. ECO doesn't expect you to be millionaire after all. Your sponsor(partner) should of course, draw out a budget for them to see and provide a cover letter explaining the financial plan.

she only wants to know if being overdrawn on 3 of the 6 months bank statements given will make a difference to the visa?

[cessxy]

Ok thank you Ate Mari for your advice. This is what me and my future husband thought. As my fiance has now moved through the huge financial cost of a new mortgage and divorce he can easily prove he can cover the cost of supporting me if needed. It's good to hear constructed comments from people that understand the system.

[cessxy]

Thanks Born for your time !!! Im just saying what my mind say!
Cheers

[bornatbirth]

Thanks Born for your time !!! Im just saying what my mind say!
Cheers

i thought your calling me a and dismissed my replies to you because you know better, anyway goodluck to you and your hubby(he needs it!) only saying whats on my mind