Quote Originally Posted by sunshine View Post
Yes the only reason they refused my visa is that fiance's statements were overdrawn and that they conclude that he cannot afford to support a wife and will recource to public funds.

WE did not include any evidence of savings; only his pay slips. This is our biggest mistake At the moment his savings accumulated to a grand. is this not enough??? he has 3 accounts; current, savings and business account, but still the total is not close to 2 grand. We still need to accumulate it.

The embassy noted that 30 occassions wherein my fiance exceeded the agreed overdraft of 150 pounds. We sumbitted 8 months statements.

We did include a monthly budget showing the amount left (100+ pounds) after outgoings such as mortgage, gas, electricity, water, Council tax, mobile etc.. showing he can support me without recourse to public funds but still they didnt consider.
This doesn't look good, if he had gone into overdraft now and again that's not too bad, but to exceed his overdraft 30 times in eight months I can understand how the ECO would conclude that he is already living beyond his means and that if he had a wife to support, a wedding and another visa to pay for, he wouldn't be able to afford it.

To be honest I think that you should put this one down to experience and work on getting his finances in order. Then plan a very simple wedding in Phils in six months time or so, with the absolute minimum number of guests, fuss or expense and if he can borrow the money to pay for this all the better. Then, six months on and with his finances looking much more presentable, apply for a spouse visa.

If he could borrow more than is needed for the trip to Phils and the wedding, (ideally it would be better to borrow from a family member or a friend rather the banks etc) he could beef up his savings account (which you really should submit) with the extra money which would make things look even better for your visa application, although if it were a loan from a bank or some other financial institution which would just show up on his bank statements as a major additional outgoing every month then it might not help.

Iain.