Proof of maintenance funds,closing balance or daily balance?

[ch15]

Hi all,

I submitted my Tier 1 (General) application on the 27th Dec 2008, with all the needed documents.

I have included three months bank statement, all three have the CLOSING BALANCE of more than 800 pounds. But, there There are merely 3 DAYS in the statement show less than 800 pounds.

However, I was told today the proof of maintenance funds (bank statement) must shows that you have at least 800 pounds EVERYDAY in your account!

Is this true? Does it mean I will be rejected. Please advice!

Thank you

[moneypenny]

I am afraid that it is true. You do need to have £800 at all times in your account if you are applying from within the UK. That also means that you will most likely be rejected. They are very strict about this.
If you have another account that has funds that when added to the original account you supplied would equal £800 at all times then I suggest you send them into the HO ASAP. That might prevent a refusal.

[ch15]

thank you for your reply.
That's indeed a bad news, they never mentioned this (daily balance) in their latest guidance document!!

The 3-day insufficient fund is due to I transferred the money into my 2nd account -- I have the bank statement of this account on my hand now, the sum of balance (between both accounts) for each of the three days is more than 800 pounds.

Please advice what Should I do now? send this bank statement, with a cover letter quoting my reference number to HO? In their previous letter of acknowledgement, they told me NOT to send any additional documents to them unless requested to do so by caseworkers..

[nnj10]

Hi ch15,

The guidance notes, clearly says that the balance should always be £800 in the 3 months period.

i) Personal bank or building society statements covering the three month period immediately before the application.

The personal bank or building society statements should clearly show:

•that there are enough funds present in the account (the balance must always be at least £2,800 or £800, as appropriate).

Now you can always send the additional documents, as long as your case, is still under consideration.

Hope this is of some help to you.

Regards,
NNJ10

[moneypenny]

I applied a few days after you and got the same letter. I would ignore the request to not send any new evidence. The fact is if you don't send this you will not get the visa, however there is a chance that you will get the visa if you do send the statements.
The guidance notes say you can send in more documents up until a decision is reached, so I would go with that. Lots of people have sent info after sending in the application and got the visa. So I would send those bank statements (make sure they meet the requirements in the guidance notes) along with a covering letter stating your misinterpretation of the guidance notes and apologise for the mistake. Also quote your reference number. Do this ASAP, and I would send it special delivery as well.
Best of luck!

[ch15]

I aware of that statement in the guidance note, although I think that's a bit ambiguous? No point arguing now, I will prepare the cover letter and the bank statement straight away, and will post them first thing tomorrow by Special delivery.

Wish me luck!

I also aware this daily balance rule only came in force from 31 Oct 08, you only need a monthly closing balance of 800 in each statement before this date?

Thank you

[ch15]

There are actually four days in my bank statement have less than 800 pounds!

I believe I have overlooked! Even with the additional bank statement, that only proves i have 3 out of the above-mentioned 4 days have fund more than 800!

PLEASE any one can advice what should I do now? should I send the second bank statement, even though there is ONLY 1 day with less than 800 pounds?

I'm totally lost now, any advice would be appreciated!!

regards

[chakritsus]

There are actually four days in my bank statement have less than 800 pounds!

I believe I have overlooked! Even with the additional bank statement, that only proves i have 3 out of the above-mentioned 4 days have fund more than 800!

PLEASE any one can advice what should I do now? should I send the second bank statement, even though there is ONLY 1 day with less than 800 pounds?

I'm totally lost now, any advice would be appreciated!!

regards

Hi,
do you have any other account which has balance more than 800 pounds for last 3 months? if so , please take a letter from Bank and send it across and ask the caseworker to consider this letter as proof of funds.

i also had similar situation, but luckily I noticed it just one day before sending the application , so I took a letter from bank for my savings account.

[ch15]

unfortunately, I can only prove sufficient fund for 89 days!
there is ONLY 1 day balance fell below £800!!

[nnj10]

Ch15,

Is that one day falling towards the start of your 3 months period, towards the end or somewhere right in the middle of three months?

NNJ10

[ch15]

in the middle unfortunately !

[push]

unfortunately, I can only prove sufficient fund for 89 days!
there is ONLY 1 day balance fell below £800!!

They dont use a day count of 90 days. The rule is - 3 Months

[push]

in the middle unfortunately !

I dont htink anything can be done then. Pray that there is some sort of oversight by the caseworker. All the best.

[mbasmart]

I have a question abt tier1, if you could help:

1. I am in UK and I have 2 bank accounts (Lloyds and Barclays). I am planning to send both statements because each individual statement does not have 800 pounds for the entire three months. i.e. on certain days the balance of Barclays fell to 100 pounds but the balance of Lloyds was 900 pounds (on the same date). But, throughout the last three months, the total accumulative balance in both accounts (Barclays+Lloyds) has ALWAYS been more than 800 (each and every single day). For instance, on 3rd of November 2008, I transferred 1000 pounds from Barclays to Lloyds. This decreased my Barclays balance to 33 pounds BUT AT THE SAME TIME increased my Lloyds balance. Do you reckon that providing two bank statements (both in my name and address) would be OK? Whats the worst case scenario?

Thanks

[paulmu]

You should be fine as long as they are both in your name.

[push]

I have a question abt tier1, if you could help:

1. I am in UK and I have 2 bank accounts (Lloyds and Barclays). I am planning to send both statements because each individual statement does not have 800 pounds for the entire three months. i.e. on certain days the balance of Barclays fell to 100 pounds but the balance of Lloyds was 900 pounds (on the same date). But, throughout the last three months, the total accumulative balance in both accounts (Barclays+Lloyds) has ALWAYS been more than 800 (each and every single day). For instance, on 3rd of November 2008, I transferred 1000 pounds from Barclays to Lloyds. This decreased my Barclays balance to 33 pounds BUT AT THE SAME TIME increased my Lloyds balance. Do you reckon that providing two bank statements (both in my name and address) would be OK? Whats the worst case scenario?

Thanks

Thats fine as long as on each transaction day (which is when the entry in statements will be generated) the cumulative balance is more than the required minimum.

How did you manage to get the instantaneous transfer from Barclays to Lloyds?

[push]

I have a question abt tier1, if you could help:

1. I am in UK and I have 2 bank accounts (Lloyds and Barclays). I am planning to send both statements because each individual statement does not have 800 pounds for the entire three months. i.e. on certain days the balance of Barclays fell to 100 pounds but the balance of Lloyds was 900 pounds (on the same date). But, throughout the last three months, the total accumulative balance in both accounts (Barclays+Lloyds) has ALWAYS been more than 800 (each and every single day). For instance, on 3rd of November 2008, I transferred 1000 pounds from Barclays to Lloyds. This decreased my Barclays balance to 33 pounds BUT AT THE SAME TIME increased my Lloyds balance. Do you reckon that providing two bank statements (both in my name and address) would be OK? Whats the worst case scenario?

Thanks

also see this. It should give you comfort.

[mbasmart]

This is how my accounts look like cumulatively:

Date
Lloyds Barclays Total

31 October 2008 7 1,381 1,388
1 November 2008 7 1,381 1,388
2 November 2008 7 1,381 1,388
3 November 2008 1,307 81 1,388
4 November 2008 1,307 81 1,388
5 November 2008 1,307 131 1,438
6 November 2008 407 1,031 1,438
7 November 2008 407 1,004 1,411
8 November 2008 407 1,004 1,411
9 November 2008 407 1,004 1,411
10 November 2008 407 1,004 1,411
11 November 2008 2 882 884
12 November 2008 10 952 962
13 November 2008 15 952 967
14 November 2008 15 952 967
15 November 2008 15 952 967
16 November 2008 15 952 967
17 November 2008 15 1,094 1,109
18 November 2008 15 1,094 1,109
19 November 2008 15 908 923
20 November 2008 15 908 923
21 November 2008 15 908 923
22 November 2008 15 908 923
23 November 2008 15 908 923
24 November 2008 15 918 933 (and so on...)

I transferred funds from barclays to lloyds on 3rd Nov thru online banking. I dont know how did they get transferred on the same day, coz they are appearing in lloyds bank statement on 3rd november (definitely the closing balance of lloyds on 3 nov is 1307).

I called on UKBA phone number 01512370405 half an hour ago. A lady told me that 'you can not send two bank statements of two different banks. money has to be in the same account for three months'. I am really confused as to what should I do? Time is running out quickly and this matter is not getting sorted. Please help...

another thing that i would like to mention here is that i applied for hsmp back in feb2008. i've recently got approval and i m gonna switch my immigration status from student to tier 1, for which i need to show sufficient funds.

[push]

I think you did not click on the link I provided above. The message reads as:

Hi Push_hsmp,
The below is the reply i got from the HO when i queried whether I show maintenance funds in different accounts but ****** (non relevant part removed)

Dear Sir/Madam,

Thank you for your enquiry.

Please be advised that the amount must be at least £800 and can be in more than one account provided that applicant is named on the accounts.

Yours faithfully,

Rez Jason

Immigration Group

UK Border Agency

[mbasmart]

Thanks for the link. I've read it and it is quite self-explanatory.

I have called UKBA again and another lady has told me that 'You can send two bank statements from two different bank accounts BUT i CAN NOT guarantee whether it will be accepted or not'. I asked 'have u accepted two account statements from applicants before?' to which she replied 'Tier 1 is a new scheme and we are unable to confirm whether we will be able to accept two bank statements for maintenance funds'.

I m lost. I think i should get a student visa extension (coz my student visa is gonna expire on 31jan09). after getting extension, i'll still have some time and once i m safe, i'll apply for tier1. by then, my bank statement should be alright.

[push]

Thanks for the link. I've read it and it is quite self-explanatory.

I have called UKBA again and another lady has told me that 'You can send two bank statements from two different bank accounts BUT i CAN NOT guarantee whether it will be accepted or not'. I asked 'have u accepted two account statements from applicants before?' to which she replied 'Tier 1 is a new scheme and we are unable to confirm whether we will be able to accept two bank statements for maintenance funds'.

I m lost. I think i should get a student visa extension (coz my student visa is gonna expire on 31jan09). after getting extension, i'll still have some time and once i m safe, i'll apply for tier1. by then, my bank statement should be alright.

Dont lose heart mate. Simply drop them an email. Hopefully you will receive a positive response. Once you have such a document include it in your application and highlight the same in your cover letter. There is no exress condition which tates that you should maintain the funds in a single account. they say we want you to have access to funds for last 3 months. bank account statements are just an evidence of proving that you have had access to funds.

[push]

Thanks for the link. I've read it and it is quite self-explanatory.

I have called UKBA again and another lady has told me that 'You can send two bank statements from two different bank accounts BUT i CAN NOT guarantee whether it will be accepted or not'. I asked 'have u accepted two account statements from applicants before?' to which she replied 'Tier 1 is a new scheme and we are unable to confirm whether we will be able to accept two bank statements for maintenance funds'.

I m lost. I think i should get a student visa extension (coz my student visa is gonna expire on 31jan09). after getting extension, i'll still have some time and once i m safe, i'll apply for tier1. by then, my bank statement should be alright.

[mbasmart]

as a last favour, could you please tell me where should i send the email to? i mean could u please tell me an email address that answers the queries promptly? i would like to send the email today and see when do they reply... if they reply on time, i might be able to apply...

[mbasmart]

i've sent an email to wpcustomers@ukba.homeoffice.gov.uk. Is there any other email address as well that i should write to?

[munisa]

This issue of funds is driving everyone crazy because the guidelines are so vague and not in simple clear English. But what we are doing here is great sharing experiences.

If you are planning to apply soon, make sure:

1. The funds are in one account not in multiple accounts (The CW has a right to pick one and ignore the rest)
2. Make sure the balance never fell below the required minimum depending on where u are.
3. If you transfer a lumpsum (from a relative or loan) make sure it falls out of the 3 months period.
4. The account should be active (in and out trasactions) with a minimum of one page per month not just 3 or 4 trasnactions.

Hope that helps.