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ANY EXPERT AROUND?mmff wrote:morning.
submitted my online application on 1-July-14, Bio and paper application done on 4th of July. Interview at BHC Islamabad 26-July, refusal on 28th of July.
Refusal Note:
You attended an interview on xyz-date in connection with your application.
"You have provided financial documents showing you have funds of no less than £200,000. During interview you stated that this money had originated from the sale of ancestral land that had been left to your family by your father who passed away in 2013. You stated that you sold of your share of the land for 36,000,000 PKR (£211,756; onada.com) in june 2014.you were then asked how much you received in cash. You stated ‘I have absolutely no idea’. You were then asked how you received by cheque and you stated ‘I am afraid I cannot remember I received in cheques because the agreement was that they deposit all of the funds into my account and once I check my statement or balance I knew that they have deposited the whole amount then we went to court and made the arrangements for the transfer of the land’. It is reasonable to expect that someone who has sold land to the value of 36,000,000 PKR would have full details of how they received the payments for the land. I note that you have stated that it was paid over a period of time by a combination of cash, cheque and bank transfer but given the absence of documentary evidence of the sale and your lack of knowledge regarding the payments, I am not satisfied that the source of your funds is viable or credible.
You stated that you intend to set up a courier company, You further stated that you would only deal with delivering parcels received from retailers that are being delivered to customers. You stated that you had not approached any retailers about the services that you would offer.
Your lack of knowledge and research demonstrated at interview means that I am not satisfied that your business proposal is viable or credible.
Given all of this I am not satisfied that the funds you hold are genuinely available to you, that you genuinely intend to invest the money in a business or business in the UK or that you genuinely intend to establish or take over a business or businesses in the UK. As a result you have not scored a minimum of 75 points as required under Appendix A of the Immigration Rules. I therefore refuse your application under sub-paragraphs (b), (f) (g) and (i) of paragraph 245DB of the Immigration Rules."
11 July 14, received from BHC Islamabad, asking about if i submitted any tax-returns. to which i replied, "I didn't. because i was working for my (late) father and he would pay me (pocket money) to cover my expenses, and after he passed away (last year) i got my share of property (agricultural land) of which i sold some". Been living with family, and father took care of everything.
At the interview, ECO never asked about proof for "sale of land", "where funds originated" etc. Was never asked to submit any documents related to sale of land.
I am wondering is it a big mistake as not to remember the break-down of payments received, as ECO expected me to acknowledge much i received in Cash-Bank Transfer-Cheque.
Any ideas/help be really appreciated.
Jazak-Allah
Hello mmff,mmff wrote:morning.
submitted my online application on 1-July-14, Bio and paper application done on 4th of July. Interview at BHC Islamabad 26-July, refusal on 28th of July.
Refusal Note:
You attended an interview on xyz-date in connection with your application.
"You have provided financial documents showing you have funds of no less than £200,000. During interview you stated that this money had originated from the sale of ancestral land that had been left to your family by your father who passed away in 2013. You stated that you sold of your share of the land for 36,000,000 PKR (£211,756; onada.com) in june 2014.you were then asked how much you received in cash. You stated ‘I have absolutely no idea’. You were then asked how you received by cheque and you stated ‘I am afraid I cannot remember I received in cheques because the agreement was that they deposit all of the funds into my account and once I check my statement or balance I knew that they have deposited the whole amount then we went to court and made the arrangements for the transfer of the land’. It is reasonable to expect that someone who has sold land to the value of 36,000,000 PKR would have full details of how they received the payments for the land. I note that you have stated that it was paid over a period of time by a combination of cash, cheque and bank transfer but given the absence of documentary evidence of the sale and your lack of knowledge regarding the payments, I am not satisfied that the source of your funds is viable or credible.
You stated that you intend to set up a courier company, You further stated that you would only deal with delivering parcels received from retailers that are being delivered to customers. You stated that you had not approached any retailers about the services that you would offer.
Your lack of knowledge and research demonstrated at interview means that I am not satisfied that your business proposal is viable or credible.
Given all of this I am not satisfied that the funds you hold are genuinely available to you, that you genuinely intend to invest the money in a business or business in the UK or that you genuinely intend to establish or take over a business or businesses in the UK. As a result you have not scored a minimum of 75 points as required under Appendix A of the Immigration Rules. I therefore refuse your application under sub-paragraphs (b), (f) (g) and (i) of paragraph 245DB of the Immigration Rules."
11 July 14, received from BHC Islamabad, asking about if i submitted any tax-returns. to which i replied, "I didn't. because i was working for my (late) father and he would pay me (pocket money) to cover my expenses, and after he passed away (last year) i got my share of property (agricultural land) of which i sold some". Been living with family, and father took care of everything.
At the interview, ECO never asked about proof for "sale of land", "where funds originated" etc. Was never asked to submit any documents related to sale of land.
I am wondering is it a big mistake as not to remember the break-down of payments received, as ECO expected me to acknowledge much i received in Cash-Bank Transfer-Cheque.
Any ideas/help be really appreciated.
Jazak-Allah
Not an expert but the ECO was trying to assess your genuineness and he might have heard the same story a number of times, for that he wanted you to sound convincing and confident but unfortunately you weren't.mmff wrote:any other expert around
Remember one thing while reapplying you cannot change your story which you had told earlier its all part of record. Yes you can remove loop holes in your business plan refine it with more competitor analysis and identifying the clients but you have to stick to your sources of funds story.cpmlkhan wrote: Hello mmff,
You need to prepare another file but strong one.
BEST OF LUCK
thank you cpmlkhan for your reply.cpmlkhan wrote:Hello mmff,mmff wrote:morning.
submitted my online application on 1-July-14, Bio and paper application done on 4th of July. Interview at BHC Islamabad 26-July, refusal on 28th of July.
Refusal Note:
You attended an interview on xyz-date in connection with your application.
"You have provided financial documents showing you have funds of no less than £200,000. During interview you stated that this money had originated from the sale of ancestral land that had been left to your family by your father who passed away in 2013. You stated that you sold of your share of the land for 36,000,000 PKR (£211,756; onada.com) in june 2014.you were then asked how much you received in cash. You stated ‘I have absolutely no idea’. You were then asked how you received by cheque and you stated ‘I am afraid I cannot remember I received in cheques because the agreement was that they deposit all of the funds into my account and once I check my statement or balance I knew that they have deposited the whole amount then we went to court and made the arrangements for the transfer of the land’. It is reasonable to expect that someone who has sold land to the value of 36,000,000 PKR would have full details of how they received the payments for the land. I note that you have stated that it was paid over a period of time by a combination of cash, cheque and bank transfer but given the absence of documentary evidence of the sale and your lack of knowledge regarding the payments, I am not satisfied that the source of your funds is viable or credible.
You stated that you intend to set up a courier company, You further stated that you would only deal with delivering parcels received from retailers that are being delivered to customers. You stated that you had not approached any retailers about the services that you would offer.
Your lack of knowledge and research demonstrated at interview means that I am not satisfied that your business proposal is viable or credible.
Given all of this I am not satisfied that the funds you hold are genuinely available to you, that you genuinely intend to invest the money in a business or business in the UK or that you genuinely intend to establish or take over a business or businesses in the UK. As a result you have not scored a minimum of 75 points as required under Appendix A of the Immigration Rules. I therefore refuse your application under sub-paragraphs (b), (f) (g) and (i) of paragraph 245DB of the Immigration Rules."
11 July 14, received from BHC Islamabad, asking about if i submitted any tax-returns. to which i replied, "I didn't. because i was working for my (late) father and he would pay me (pocket money) to cover my expenses, and after he passed away (last year) i got my share of property (agricultural land) of which i sold some". Been living with family, and father took care of everything.
At the interview, ECO never asked about proof for "sale of land", "where funds originated" etc. Was never asked to submit any documents related to sale of land.
I am wondering is it a big mistake as not to remember the break-down of payments received, as ECO expected me to acknowledge much i received in Cash-Bank Transfer-Cheque.
Any ideas/help be really appreciated.
Jazak-Allah
I am sorry to hear about your refusal. Yes Its a mistake as not to remember that how did you receive your payments. because its not small amount according to ECO. Infact according the above mentioned interview answers You was not clear. You was not supposed to say that I have no idea etc. I have done couple of cases out side the UK and always prepare my clients for interview. But when time is not with you nothing you can do. I do not think so that AR will help you. You need to prepare another file but strong one.
BEST OF LUCK