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

[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