Sorry if these have been asked before.

I just met a guy at the hotel that was refused a visa due to insufficient funds in his current account.

He told me they are looking for an amount of savings around the £20,000 mark even if you are in full time employment. This is in addition to the minimum of £18.600 salary a year.

Is this true ?

Also. If you have a large overdraft but easily earn over the £18,600 say £31,000 can you be refused.

what he has said has made me feel a little sick.

Thanks.