Visa Denied - what to do

[joebloggs]

sorry to hear about the refusal
one of the main reasons for refusal is over drawn bank statements.
did you mention you had debts of £12K ?
your allowed recourse to public funds but your wife is not, thats the problem
and its not what you earn that counts its what you have left each month, but sure the more you earn the better it is.
did you do a budget for example on a spreadsheet showing all your incomings and out goings ? like terpe said, as a guide you need about £160 a week after paying rent/poll tax.

its not really the ECOs fault they have guide lines if it was one statement overdrawn you probably would have got away with it..

if you have further evidence, a copy of the medical bill, explaining this is why your overdrawn and a budget showing you will have at least £160wk then you could send this to the british embassy in Manila and ask for a reconsideration/review and it might not go to appeal, but dont forget you have 28 days to appeal.

[pkelly_uk]

thats the thing i did explain all this; i have zero rent as i own my house, i submitted hospital bills to show the expenses that put me into overdraft. i explained that in 12 month i would be debt free; no loan and 500 a week to spend on my family the moronic idiots ignored all this.i could have taken out a 50k homeowner loan and shoved it in my current account and the half witted eco would have passed it like a shot.

im going to call them and raise hell for their incompetence but well im toying with the idea of letting my house out and leaving for phil, one less taxpayer in this declining mess.

sorry to rant folks but im so pissed of being ripped off.. they forgot to mention that one of the biggest costs was ther ******* 54000 peso fees