financial situation

[STU3UK]

When applying for a Fiancee Visa will the immigration officers check if i have credit cards? I will bw supplying details of bank account and savings account with about 5k when I apply.

[joebloggs]

i dont think so, i had a loan and 3 credit cards, which makes the whole idea of showing you have savings a bit pointless if you dont have to declare your debts, as i've said before, if you dont have much money left each month, if your planning to get married and apply for a visa, 6 months before you do, get a loan for £5k from your bank and leave it in your current account, when when you've got your 6 months of bank statements showing your £5k, get married, apply for visa, and pay the bank back..

now have i ever done that

[KeithD]

now have i ever done that

Probably not the paying back bit

[joebloggs]

i've thought about it thou , but bank told me i've got excellent cred rating, before i meet the misses i had , that much to buy a house for cash talking 8 yrs ago, nah a bit more than one of your scouse terraced houses , i even got invited to a :9: party at me local branch after they refurbbed it, but marrying a student doc, and all them hols and air tickets, etc just vanished . til now i owe them

[KeithD]

We've just bought a 'house' in Nevada....I'll rent it out to you Joe since we are close friends

[fred]

We've just bought a 'house' in Nevada....I'll rent it out to you Joe since we are close friends

Where did you get your inspiration to purchase such a gem?
Bootle?

[joebloggs]

is that where your staying now ? how many stars is it ? and i dont mean the ones you can see thru the holes in the roof at night


oh thats what you get keith when you book one of those really scouser cheap package deals, you just don't know where your going to end up


but i've been to a restaraunt like that in palawan , cheapest meal for 10 people ever. was so cheap my tip was bigger than the bill

[KeithD]

I wouldn't say cheap where we are, it's the Hilton...someone has to pay Paris's legal bill

[joebloggs]

thats the hilton in liverpool

looks more like the Clampetts home out of the The Beverly Hillbillies

[STU3UK]

Hi Guys,

As regular forum users probably know from previous posts im compiling my evidence for a fiancee visa for when we apply in July.

The Financial documents I am providing are;

Bank Account Statements Oct-Jul
Savings Account Statements Oct-Jul

The Bank Account is what my salary goes into each month and what I do is transfer 75% of that money into my Savings Account. The remaining money is what I use as my general spending money for the rest of that month until I get paid again.

For the months Oct-Jan the Bank Account was £1000 overdrawn by the end of each month as all the money that went in was used, so when I get paid it obviously just took out the overdraft and then as I spent it when back into it again. In Feb I completely paid off the overdraft and it has been out of the overdraft since.
Because I will be showing 4 out of 9 statements will be in the overdraft will this affect my application?

Also when I apply I will prob have around £250-500 in the Bank Account and £5000+ in the Savings Account. If I fully explain the way I use the accounts I shouldnt think this will be an issue but am slightly concerned about the prior overdraft statements.


Also it is important that I show statements from October as it has many Mobile Phn Top Ups in the statements that I used for calling txting my mahal.
Thanks for your advice

[andypaul]

Just explain it well like you have there. They should be ok with it why not.

As long as your situation is getting better i can't see any harm in it.

I found i wrote several pages regarding my finaces to ensure they could not say oh this or that was not right and deny the visa.