need help on my application for visa

[greenhaven4ever]

hello everyone, i have been preparing my papers for my application for visa, i am a filipina married to a uk national. so far, i have all his last 6months bank statements and showing no overdrawn. I am worried bec he has no savings only his sharesaves which he can have and sell every year that amounts to 1000 pounds plus depending on the exchange. He was also able to get a place for us to stay which is about 350 a month excluding bills. My hubby earns around 800-900 pounds only.

is it a disadvantage of not having savings on his part?i have no idea too on how much bills for houses minimum cost so i cant budget that on his outgoing expenses yet.(my husband live in cardiff)

please help and advice me please, this is the thing that worries me on this application.andi think am an expectant mom too thats why his finances worries me....

[Piamed]

Hi Greenhaven4ever and welcome

Dont forget you need his 6 months of salaray slips too. Evidence of his sharesave entitlements would be useful to include. Obviously, the more income you can show versus outgoings, the better. Same with savings. I have seen some posts where people have successfully obtained visas even where their financial position was not as strong as they would have been preferred.

Living costs in Cardiff i would expect to be less than in London, for example.

In closing, i really think you should sit down with your other half and discuss your concerns openly and hopefully he will be able to reassure you of his ability to provide for you both and you can work out solutions to present your fianancial position as strongly as possible.

Good luck!

[marylen]

as long as he can support you without recourse to public fund then you should be fine, try him to figure out how much money left after all the outgoings to let the ECO see that you have enough FREE cash left to accomodate you before you can have a job...if you are under spouse visa at any time you are allowed to work but its not neccessary if you think you can manage the finances relying on his income alone....but eventhough its real nice to have our own....grrrrr (peace)
He needs to make a balance statement and list all his incoming and outgoing, it would be easy to see the ECO how much left after all the expense...you cant do all those things alone, its only him can configure out all in details with regards, need an open up communication detailing all that matters.So good luck girl..............and tell the updates soon........

[joebloggs]

this is a little bit risky to me, small chance it could be refused, but you can reduce the risks..

he will pay rent of £350 a month, he will have the following bills to pay to,

community charge of about £100+ a month, gas/electric £100 a month, water £25

thats at least £575 a month and he will have other bills to pay (food, clothes, tv license, has he a car ?? )

and you say he has no savings in his bank account , i would be a just a little bit worred, that the case worker could say he cannot support you..

he needs to make a budget of his out goings, and be able to show that he has enough money left each month to support you,

the figure to support you,there is no minimum figure, but guidence figures are what you would get from social security\unemployment benefit, about £60 a week minimum

so with his £575 + £240 (£60*4wks)= £815

is your husband on contract work ?? or does he have a permenant job with his employer?

to minimise the risks of refusal, he should have around £2000 - £3,000 minimum in his bank account, but this figure should be on all his bank statments, as they will be suspicious if they see a statement showing £2-3000 going in at once..

he could get a bank loan for the amount, or use a credit card to transfer the money to his bank account, then after 6 months of bank statements pay it off..

can you and him not live with his parents ? that would save alot of money ?? then when you get here look for a job, when you find one move out and rent ??

good luck

[Mrs.JMajor]

he could get a bank loan for the amount, or use a credit card to transfer the money to his bank account, then after 6 months of bank statements pay it off..

can you and him not live with his parents ? that would save alot of money ?? then when you get here look for a job, when you find one move out and rent ??

good luck

-----well said joe

Thats what i said to other member here on the forum (w/c one of my friend already,) borrow money to his parents and return it after 3 weeks and after 2 weeks borrow again then after a week or so return it again...

joe can u consider that in and out

[joebloggs]

if your applying for a spouse/fiancee visa, there are 3 things you need to convince the case worker of, to get you that visa..

1) accommodation - that your wife has somewhere to live, must be the easiest of the 3 to prove, either your husband owns, rents or lives with parents, i believe 3rd party support is still allowed for a spouse/fiancee visa, and as long as its not over crowded you should be fine on this part. you shouldn't fail on this.

2) no recourse to public funds - , can be more difficult to prove- no exact figures as to what you need to pass on this, unlike the accommodation test, i think this is down to mostly the case workers opinion/interpretation of the rules, but like i said b4, you should be looking at having around £250 a month spare from your budget to support her, £2000-£3000 in your account or having good savings, or shares etc.. the more money the better , so for some with loads of cash, should be easy to pass again ..

if your low paid, short of money, might be a good idea to move in and live with your parents for a while, so you can build up your savings, save as much as you can,or even get them to sponsor you and your wife and live with them until you get here and find a job...

and for getting money into your account from a bank or friend - be warned - If there are disproportionate deposits and withdrawals in the bank statements, they should be explained in the sponsor's letter.

so either get the money and wait 6 months so the deposit dosn't show on your lastest bank statements, or have a really good excuse as to where the money came from, but thats risky if you ask me

3) relationship - that you and your partner have a genuine relationship, i think everyone knows this one, must have meet at least once, evidence pics, letters, logs, hotel bills, receipts, flight tickets, etc..

if youre going to fail, it will probably be on number 2, a few on number 3 (lack of enough evidence) or another reason like overstaying in the past, or not supplying the correct evidence.. so check, double check you've got everything.. and you shouldn't fail

so plan, prepare and pass


finally - Some consulates, case workers are more rigorous than others, and some applicant profiles invite more scrutiny than others, so thats why sometimes it's a bit of a lottery with a visa, thats why your friend may have a got a visa and you didn't, even thou you had more evidence,money etc than her.

good luck to all

[greenhaven4ever]

thanks everyone and yes we will wait till our finances goes up and will pan every details before submitting our application.

by the way, my husband is full time employed and could get overtime that will increase his earnings till 900-1000 and maybe we would try living with his mum first until we are both working and be able to move out. Ive got all the evidences of our relationship his financial support on me here and all that so its just the finances we are preparing now.

thank you guys so much ill be reading post from here so i can learn and get more ideas as to our application...

[joebloggs]

i think you would have a better chance of getting a visa, having £3k in the bank and living with his mom, than renting a place and having near £0 in the bank...

if he can get overtime he should have done it months ago, so you would have had 6 months bank statements with it on

is he living with his mom now or renting ?

[sweet_cookie08]

hi!

Got a question here. We recently got married and my hubby's bank account has not enough, but not nearly zero ofcourse for the past 6 months because we paid for our wedding expenses, his tickets (he went in the Philippines for 3x in 10 months!). Would it be OK if his bank statement shows that he has not much savings? He is earning 2.5K-3K pounds a month. This worries me for he has not much of savings because we just paid our wedding last month. Please enlighten me.

thanks!

[joebloggs]

enlighten you "finally - Some consulates, case workers are more rigorous than others, and some applicant profiles invite more scrutiny than others, so thats why sometimes it's a bit of a lottery with a visa, thats why your friend may have a got a visa and you didn't, even thou you had more evidence,money etc than her."

who knows, depends on the case worker

but if he's earning that sort of money, then why has he no savings from b4 the last 10 months ? thats what they might think

but with a bit of common sense, maybe the case worker would understand if you explained why he has near £0 in his account in his letter of support, but i would still try and make sure, that he has a few £1000s in the bank to make sure as possible you will not be refused..

no one can answer for sure, he's earning good money, so thats in his favour, so if he can show he spent it all on wedding,air tickets etc, and when you get to the uk, if he can show in his budget he will have an extra £xxxx each month, money to support you and save, you could be ok. but some people do get refused for having 0 or being over drawn, but mostly thats contract or low paid workers, but he could be ok becuase of his wage

[LEAHnew]

if your applying for a spouse/fiancee visa, there are 3 things you need to convince the case worker of, to get you that visa..



2) no recourse to public funds - , can be more difficult to prove- no exact figures as to what you need to pass on this, unlike the accommodation test, i think this is down to mostly the case workers opinion/interpretation of the rules, but like i said b4, you should be looking at having around £250 a month spare from your budget to support her, £2000-£3000 in your account or having good savings, or shares etc.. the more money the better , so for some with loads of cash, should be easy to pass again ..

if your low paid, short of money, might be a good idea to move in and live with your parents for a while, so you can build up your savings, save as much as you can,or even get them to sponsor you and your wife and live with them until you get here and find a job...

and for getting money into your account from a bank or friend - be warned - If there are disproportionate deposits and withdrawals in the bank statements, they should be explained in the sponsor's letter.

so either get the money and wait 6 months so the deposit dosn't show on your lastest bank statements, or have a really good excuse as to where the money came from, but thats risky if you ask me


so plan, prepare and pass


finally - Some consulates, case workers are more rigorous than others, and some applicant profiles invite more scrutiny than others, so thats why sometimes it's a bit of a lottery with a visa, thats why your friend may have a got a visa and you didn't, even thou you had more evidence,money etc than her.

good luck to all

Great Post Kuya Joe… enlightened us very well..
We don’t want to be refused so we’ll follow great advice in fact all we just need is to wait for the right time that’s bf/fiancée/husband’s financial status be ok…..
It’s not just showing to ECO but it’s a matter of preparing our future

[greenhaven4ever]

i think you would have a better chance of getting a visa, having £3k in the bank and living with his mom, than renting a place and having near £0 in the bank...

if he can get overtime he should have done it months ago, so you would have had 6 months bank statements with it on

is he living with his mom now or renting ?

yes my hubby lives with his mum and his bank is only nearing around 1kpounds plus bec of all the overtime and his still doing till now and last december and first week of january was overdrawn due to christmas season and went back to normal at mid january is this not good to show at embassy?or should i wait still until his 6months bank statements from now?

please help joe....

[greenhaven4ever]

guys, my husband dont have 3k in his bank its only about to 1plusK his full time employed too and lives with his mum?last christmas and january he was overdrawn(bec he book flight to visit me) but went back up again for a 1plusK and after all his outgoings it still leaves him 1000kplus and if there are too many expenses, it leaves him 600k or less,is this still not enough to show to eco that he can support me??

[joebloggs]

does his mom own the house or does she rent ?

he's better off not using the statements where he's over drawn, and £600 with his pay i'm not so sure, i don't know becuase there are no fixed rules.. all upto the case worker and their interpretation of the rules..

[greenhaven4ever]

thanks joe, hi mum owns the house i will wait till we are able to save up as as much as we can, anyway 600k is very seldom to happen on his bank, the time he gets that amount and sometimes overdrawn is when he comes home here in angeles. but this year i think i will have to restrict him from coming home and see my belly get big..LOL

YOU ARE DEFINETELY RIGHT..PLAN PREPARE AND PASS..THATS SOMETHING TO LIVE BY with someone like me who is so frustrated in doing the papers now...

[joebloggs]

thats good his mom owns the house
how many other people live there ? just your husband and his mom or ??
how many bedrooms has it ? you have to consider if the gov will say its over crowded if you live there

[joebloggs]

to those who have near 0 in your current account and no other source of savings, you face a refusal notice worded similar to this if you don't do something about it b4 you apply for a visa.. don't waste your visa fee if there is a risk you will fail..

part of a pukka refusal notice.. slightly edited by me, to protect the innocent

" As evidence of your sponsor's finances, you have supplied his bank
statements for 2008.

I notice that your sponsor recieves a regular salary, but often only limited funds remaining in your account.

You have not provided any other sources of savings or have access to other funds. The pattern of these activities in the account, demonstrates that your sponsor already has significant financial responsibilities,

which leave him with little spare capital. due to this, I do not consider that your sponsor will be able to maintain yourselves adequately without recourse to public funds."

says it all.. dreeded 'no recourse to public funds' avoid this..