importance of bank statements

teekay_tk · Post by **teekay_tk** » Tue Feb 19, 2008 12:14 pm

hi all
how important is it to attach bank statements with ILR or WP FLR applications. does going into overdraft every month have a negative effect on the application.

regards

paulp · Post by **paulp** » Tue Feb 19, 2008 12:16 pm

Can you show savings in other accounts?

teekay_tk · Post by **teekay_tk** » Tue Feb 19, 2008 12:22 pm

yes
not much but yes, would that help.

Dawie · Post by **Dawie** » Tue Feb 19, 2008 1:46 pm

For ILR or work permit FLR applications the purpose of bank statements are to show the Home Office that you have a regular income coming into your bank account. The absolute amount is not important, it's the transactions that the Home Office is looking for.

When I applied for ILR 2 years ago I supplied 6 months of bank statements with my last bank statement showing a balance of Â£75 (if I remember correctly). Needless to say I got my ILR without any problems.

paulp · Post by **paulp** » Tue Feb 19, 2008 2:16 pm

The purpose of the bank statements is also to show that you won't have to rely on public funds.

SYH · Post by **SYH** » Tue Feb 19, 2008 2:40 pm

paulp wrote:The purpose of the bank statements is also to show that you won't have to rely on public funds.

Exactly. So when they ask for bank statements on the form, what is the purpose of the section. that is what you are trying to fulfill

meerkat70 · Post by **meerkat70** » Tue Feb 19, 2008 2:41 pm

Can you supply payslips instead of bank statements?

Dawie · Post by **Dawie** » Tue Feb 19, 2008 2:43 pm

meerkat70 wrote:Can you supply payslips instead of bank statements?

I would recommend you supply whatever the guidance notes for your type of leave to remain request you to provide. Nothing more, nothing less.

OL7MAX · Post by **OL7MAX** » Tue Feb 19, 2008 3:51 pm

I'm a strong believer of not sending more than you need to. If, as Dawie says, it's solely to assess income - show they your tax returns for the last x years.

My 14 year application was recently approved. I went against my solicitor's advice and refused to send personal bank statements. I don't trust one HM department to not share it with another, like HMRC. Even if you have nothing to hide it's better to hide it to save yourself a lot of headache. In your case, it may be in your interest to not show the overdrafts as it suggests you may have problems handling money/staying afloat.

The HO has to satisfy itself that you meet certain requirements. There is no exact document list that is guaranteed to satisfy them. It is up to you to provide whatever docs you need to prove you meet all the criteria. You choose the documents.

VictoriaS · Post by **VictoriaS** » Tue Feb 19, 2008 3:54 pm

Pay slips do not show that you can support yourself. If you don't send bank statements you are liable for refusal.

Victoria

OL7MAX · Post by **OL7MAX** » Tue Feb 19, 2008 8:12 pm

Bank statements that show the applicant always in the red are less likely to show that he can support himself, IMHO.

Suggestion: Get a Chartered Accountant to sign an income/expenditure breakdown.

Let's put it this way - I didn't send bank statements even though they show healthy figures. And mine was a 14 year "illegal immigrant" application!

paulp · Post by **paulp** » Tue Feb 19, 2008 8:46 pm

OL7MAX wrote:Bank statements that show the applicant always in the red are less likely to show that he can support himself, IMHO.

Suggestion: Get a Chartered Accountant to sign an income/expenditure breakdown.

Let's put it this way - I didn't send bank statements even though they show healthy figures. And mine was a 14 year "illegal immigrant" application!

OL7MAX, don't you think that the purpose of 14 year long residence and 5 year WP applications may be different?

OL7MAX · Post by **OL7MAX** » Wed Feb 20, 2008 10:53 am

paulp, the question really is whether the HO uses a different yardstick/criteria for measuring financial independence in 5 vs 14.

misha06 · Post by **misha06** » Sun Feb 24, 2008 5:09 pm

Hello everyone

Interesting forum

I never sent payslips for the ILR application for my wife, just payslips. The application went through no problems in 29 days.

Wanderer · Post by **Wanderer** » Sun Feb 24, 2008 5:11 pm

misha06 wrote:Hello everyone :) Interesting forum

I never sent payslips for the ILR application for my wife, just payslips. The application went through no problems in 29 days.

Hmm!

thirdwave · Post by **thirdwave** » Sun Feb 24, 2008 5:30 pm

VictoriaS wrote:Pay slips do not show that you can support yourself. If you don't send bank statements you are liable for refusal.

Victoria

Victoria, you might remember me asking you about this a few months ago and you'd advised me to take bank statements along with my payslips to the appointment. As I was unable to find my bank statements, I just took my payslips and had no problems at all..I suppose a lot depends on the caseworker who happens to be processing your application on the day..

misha06 · Post by **misha06** » Sun Feb 24, 2008 5:32 pm

Opps

should read back before clicking submit.

What I meant was that I never sent bank statements; only payslips for the preceeding 3 months.

VictoriaS · Post by **VictoriaS** » Sun Feb 24, 2008 5:35 pm

I'm glad it worked out. But my advice is always to supply both, and that you may be refused without bank statements, But if you don't have them, you don't have them, and I'm glad you got good people looking at your applications.

Victoria

thirdwave · Post by **thirdwave** » Sun Feb 24, 2008 5:36 pm

VictoriaS wrote:I'm glad it worked out. But my advice is always to supply both, and that you may be refused without bank statements, But if you don't have them, you don't have them, and I'm glad you got good people looking at your applications.

Victoria

You are right.It`s always good to err on the side caution and supply both

OL7MAX · Post by **OL7MAX** » Mon Feb 25, 2008 1:03 pm

Erring on the side of caution is providing them with the proof they want without giving them more information about personal, private matters than they need to have access to. IMHO, you don't cater your application to the goodness or otherwise of the people handling it. There's law and there are guidelines. Rely on those rather than on getting the HO's only case worker who has a heart.

It would be ludicrous of anyone to feel so terrified of civil servants in the HO that they not only bend over on demand but also buy and supply the vaseline.

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importance of bank statements

importance of bank statements