Wife's UK Settlement VISA Refused - Husband Overdrawn :(

[John@Roselyn]

I am completely baffled by this one..
You state that you are overdrawn, even on a salary of £50k+, and then you state your wife has savings in excess of $75000...
At the risk of stating the blindingly obvious, why on earth didnt you immediately transfer money from your wife's account in to yours?? ( I am assuming of course that your account isn't overdrawn by £46k!!)

After all, as the British sponsor, they are looking at your ability to manage your finances sensibly and support two people on your income. It seems that you had a ready-made solution staring you right in the face.

You could even have channelled the money back to your wife at a few hundred a month via Western Union or bank transfer and built a paper trail of seemingly supporting her. It is difficult for them to say you cant support your wife in the UK if you have already been doing it since you met.


I earn around the same amount and have zero savings...£50k a year is a comfortable and respectable salary, so you must have some serious money problems. I supported my wife, paid everything here, and I travelled to be with my other half five times over six months, on that same salary.
(The latter shows the ECO not only committment but a very good disposable income.Two birds with one stone!)

As an added "boost" to my account when we decided to get married, I sold my car and sold a heap of junk on Ebay, and suffered public transport for 6 months. Being with my beloved takes priority over everything!
Now I can go shopping for a new car on top of all the excitement of my wife joining me. Life is grand. I hope you get things sorted.

[joebloggs]

why on earth didnt you immediately transfer money from your wife's account in to yours?? ( I am assuming of course that your account isn't overdrawn by £46k!!)


suffered public transport for 6 months. Being with my beloved takes priority over everything!

he would need to explain and prove where the money came from in a letter of support for his wife, any large mnoey transfers could look suspicous to the case worker.

as for public transport for 6 months, i've suffered from using it for more than a year and the are on strike tomoz, monday, a week on monday and 2 wks on monday,, to them..

50k is nearly double the average wage, and some people on here successfully got a visa on a lot less than the average wage.

[John@Roselyn]

he would need to explain and prove where the money came from in a letter of support for his wife, any large money transfers could look suspicous to the case worker.

Not if he did it before the 6-months-worth of bank statements. Its all in the planning/juggling!

[inlovebutstuck]

he would need to explain and prove where the money came from in a letter of support for his wife, any large mnoey transfers could look suspicous to the case worker.

as for public transport for 6 months, i've suffered from using it for more than a year and the are on strike tomoz, monday, a week on monday and 2 wks on monday,, to them..

50k is nearly double the average wage, and some people on here successfully got a visa on a lot less than the average wage.

I dont look like i got any chance if this man is on 50k a year and i cant work?
Its not looking good for me

[IainBusby]

The reasons they gave for this were that my bank account is overdrawn and was overdrawn for the 6 month period covered by the bank statements we provided.

I dont look like i got any chance if this man is on 50k a year and i cant work?
Its not looking good for me

You don't need to earn £50k a year to get a visa, you just need to appear to be able to support a wife in the UK financially. To the ECO it looked, on paper at least, as if he was living beyond his means, or he may even have concluded that he was in serious debt, because he appeared to be permenantly overdrawn. It's no good earning £50k a year if your spending £51k a year.
Iain.

[joebloggs]

I dont look like i got any chance if this man is on 50k a year and i cant work?
Its not looking good for me

You don't need to earn £50k a year to get a visa, you just need to appear to be able to support a wife in the UK financially. It's no good earning £50k a year if your spending £51k a year.
Iain.

true Iain
inlovebutstuck, you need members of your family, friends to help you by loaning you as much money as you can get for the next 6 months, after you've got 6 bank statements showing this large amount, then apply for your visa, wait til you have your visa and then pay it back, if not have you got a credit card, transfer as much as you can to your current account, and wait 6 months, when you've got your visa pay it off, but it means your paying interest

any chance of you getting a job, sometimes you'll do more for others when you have to (for your wife and bb) then you will for yourself.

some lucky few have a got a visa for their partner while on benefits and no savings, but many more have been refused.

he that fails to plan, plans to fail

[Ady]

I dont look like i got any chance if this man is on 50k a year and i cant work?
Its not looking good for me

inlovebutstuck - A lot of people have had fiance visas accepted on the average wage and lower (i.e. £25k a year). Personally I am on a lot less than £50k a year, but our visa was accepted last February. So, don't be too down on this.

The key thing here is that the two applicants I have read recently refused have been overdrawn. That raises questions for the ECO - and, in my opinion only, they are looking at each application more with reasons to refuse than to accept. That is my cynical view but, even if I am wrong, it helps you make a stronger application. You have to think at it from the ECO's viewpoint. How would they percieve you bank statements? Do you think your bank statement raises any question? (i.e. being overdrawn in a few cases). If so, answer the potential questions in your covering letter - so it shows that you have considered this too. It can only help.

Good luck to the OP (opening poster!) in any appeal. Reading your story - it sounds like you got a bad draw on the ECO list - someone who is a bit more pedantic than others. Whatever path you choose to take now - good luck, and I am sure you will be successful.