Thanks Terpe.. this is really frustrating..it's all about money, its so unfair.. what if my husband will take a bank loan? Will it affect my spouse visa application?
Thanks a lot..
Thanks Terpe.. this is really frustrating..
Thanks a lot..
Yes, the Financial Requirement is a key element of the application requirements.Originally Posted by cherrieclifford
Thanks Terpe.. this is really frustrating..
Thanks a lot..
I'm not sure why or how you see a bank loan will affect your visa application. Can you explain the idea behind that and how you believe it will help?
Well if he will has a bank loan we can show them that we can maintain the desired amount.. he's only earning over £200 per 2 weeks.. DLA of £164 per month which I dont know if they will count as his income.. hes paying bills monthly, tv, water, gas, internet. so I'm really down while computing.. they might deny my visa because of little income and bills.. bank loan might help us to start the process.. he's only got £1500 in his bank. we have to pay the UKBA and those requirements needed like my English exam plus my tickets - that's if they will grant my visa. I can borrow money though for my visa processing.. but still short I think.
What can you say about our situation? Thanks
I can sense just how frustrated you are and just how hard you're trying to find a way.
That's why it's painful for me to inform you that a bank loan is not a solution.
So sorry.
In order to secure a settlement visa under the current exemption from Financial Requirement rules your sponsor MUST clearly show £112.55 per week after all housing costs are deducted. In principle total housing costs are mortgage/rent & council tax.
I know it's hard but they're the facts.
Will the bank loan be stated in the bank statement?
Yes!
The bank loan would show up in his statement and even though the UKBA should only look at rent and council tax I believe they could use this against you as not meeting the maintenance level, its a bit touch and go and I believe a bit of a grey area as your application could come under more scrutiny and could go either way.
I know there has been suggestions on here by borrowing the money on a credit card, I know rates are higher but this does not have to show on your bank statement ie: repayments could be paid over the counter monthly.
I know of a few who have done this so it is do-able.
Referring to your question regarding DLA yes I can assure you that this is counted as part of his income and can be used in the calculation alongside his other benefits and as like myself and Terpe have already said he needs to show £112.55 after rent and council tax has been paid, if he can do that then you should be fine.
Wishing you the best of luck...
Thanks to both of you,, sounds good then. coz he's paying roughly about £100 for his house bills. We just need to find money for the visa application. Can he do the application in his country or is it me who should do it here? If I'll be the one to do it, shall I need to gather all the needed documents first before I proceed to the online application? And another thing, is it necessary to deposit our marriage certificate to a solicitor in UK or UK Embassy here in Phils? Thanks
God bless u guys,.
You are the one who will make the application from Philippines. Yes it must be made online.
Yes, before making any online application you must fully prepare all needed supporting evidential documents.
Part of those documents include a Pass Certificate at A1 level in an English Language Test, and your TB screening certificate.
Please do take time to read all those links provided in my post #10
No. But you'll need the marriage certificate to be submitted with your application as part of the supporting documents.
Is it wise to do it ourselves or shall we pay for a visa processing agency to assist us?
The answer, as always, is that it's a personal choice and as always 'it all depends'.
It depends if you can afford it and it depends if you are struggling in your life to find give it a high enough priority and it depends on your motivation.
If there are some major complications in your visa application then on balance it would be a good idea.
Most people do it themselves and very successfully too.
If you decide to take the approach of having an advisor help you then I would strongly suggest to engage an experienced Immigration Advisor from UK. Make sure that any advisor you choose is a member of the OISC (Office of the Immigration Services Commissioner)
Do be sure that whoever you take on has experience with similar application cases to yours.
There's a lot of people out there just waiting for the opportunity to take your money. Remember there are no short cuts and no guarantees for a visa, whether you have an advisor or not. Period.
You also need to understand that the advisor cannot do all the work for you. They cannot collect all the documented evidence. You still need to do that yourself.
All they can do is ask you to supply information and the stated UKBA required documentation.
The thing is this, you don't want to forget or miss anything.
You don't want to cut any corners or take any risks at all.
You MUST be 100% sure that all requirements are done and dusted, with ALL supporting documents included. Don't leave anything to chance.
In short be fully compliant.
Ultimately, you can always double check your advisor's advice here
Personal advice ... if some filipina wives can do it and get their visas without the agency, you can do it too.
personal advise ... if some filipina wives can do it and get their visas without the agency, you can do it too.
personal advice ... if some filipina wives can do it and get their visas without the agency, you can do it too.
Thank you.. it's very uplifting.. I can do it!
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