finally my passport is in my hand with my REFUSAL PAPER ..

[Mr Pickwick]

Does anyone understand how the saving are calculated?
with regard to the below where does the + 16.000 come from?

( 600 x 2.5 + 16,000 ) in savings in order to meet the financial requirements .

Thanks in Anticipation.

Chris

i hate this ... it break my heart .. i wait 1 month for nothing

the decision :

You have applied to settle with your husband in the UK . Your husband is not exempt from the financial requirements as defined in paragraph E-ECP .3.3. I am not able to take into account any potential employment you have available to you in the UK or any offers of financial support from third parties .

In order to meet the financial requirements of the rules your husband needs a gross income of at least 18,600gbp per annum. Your husband has submitted various documents from his employer that show that his income his 18,000gbp per annum. I note that your husband receives bonuses and payment for overtime worked . However ,these cannot be counted towards the income threshold.

Saving can be counted against the whole or any part of the 18,600gbp threshold. As your husband has not met the required income threshold , in order to qualify ,you and your husband require 17,500 ( 600 x 2.5 + 16,000 ) in savings in order to meet the financial requirements .

I therefore refuse your application under Appendix FM of the Immigration Rules.




i passed my husband 7months payslip showing that he have regular bonuses and overtime with his employer letter and contract . how can our financial requirement is not qualified ??


can anyone give us advice ? can we have successful appeal just in case we appeal for this matter .. my mind is blank now and my husband cant concentrate in his work now

[travina]

Does anyone understand how the saving are calculated?
with regard to the below where does the + 16.000 come from?

( 600 x 2.5 + 16,000 ) in savings in order to meet the financial requirements .

Thanks in Anticipation.

Chris

if im not mistaken the 16,000 is what your partner needs to have if hes not earning 18,600 annually. and should stay continuously in his account for 6 months I guess.

[Terpe]

Does anyone understand how the saving are calculated?
with regard to the below where does the + 16.000 come from?

( 600 x 2.5 + 16,000 ) in savings in order to meet the financial requirements .

Thanks in Anticipation.

Chris

Savings can be used in a number of ways, including being used to bring any shortfall in income up to the required level for visa.

However, ONLY those savings over £16000 can be counted. Savings up to £16000 are not counted at all.
Additionally, since the visa is issued for 30 months (2.5 years) those savings above the £16000 need to be 'factored' for that by using a 2.5 multiplier.

So, as per the example given if the annual income falls short by £600 then savings can be used to make up that shortfall
£600 x 2.5 = £1500
Means that savings of £17500 (£16000+£1500) would be needed to satisfy requirements.

Hope that makes sense.

[Mr Pickwick]

Thanks for the reply terpe,

I will be making a Visa application in September, as a self-employed tradesman, I have accounts, 3 years, and I have last 6 months gross profit on bank statments etc, but my saving may have to be used, some months I can make the required target some months not, very erratic earnings in the Uk at the moment..

Savings can be used in a number of ways, including being used to bring any shortfall in income up to the required level for visa.

However, ONLY those savings over £16000 can be counted. Savings up to £16000 are not counted at all.
Additionally, since the visa is issued for 30 months (2.5 years) those savings above the £16000 need to be 'factored' for that by using a 2.5 multiplier.

So, as per the example given if the annual income falls short by £600 then savings can be used to make up that shortfall
£600 x 2.5 = £1500
Means that savings of £17500 (£16000+£1500) would be needed to satisfy requirements.

Hope that makes sense.

[jehzroblenida]

Thanks for the reply terpe,

I will be making a Visa application in September, as a self-employed tradesman, I have accounts, 3 years, and I have last 6 months gross profit on bank statments etc, but my saving may have to be used, some months I can make the required target some months not, very erratic earnings in the Uk at the moment..

Hi Mr. Pickwick,

Just a suggestion, ask your accountant to read the UKBA site regarding the accounts. They can give you a big file of documents as evidence. That's what we did coz my fiancee and I had troubles understanding all the things that the UKBA requires as self-employed. Goodluck to your application

[Terpe]

Thanks for the reply terpe,

I will be making a Visa application in September, as a self-employed tradesman, I have accounts, 3 years, and I have last 6 months gross profit on bank statments etc, but my saving may have to be used, some months I can make the required target some months not, very erratic earnings in the Uk at the moment..

Just a heads-up that any savings you intend to use must also have been in your account for 6 months