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i submit rental agrement the contract on my name i pay 900 pounds per month
i submit my 8 months pay slip and employer letter which is i get always 1000 pounds per month
I think the ECO is not looking at your bank balances, you are required to pass the maintenance test, the ECO was looking at your income and your outgoings. Your income less your outgoings fell short of the maintenance test.my loan amount direct debit which is 388 per month
hii casa thanks for ur replyCasa wrote:You say you are working on a self employed basis for your brother's company. Have you registered as self-employed with HMRC and do you submit invoices to your brother for payment?
The ECO may consider that the 'self-employment' is simply a way in which your brother can deposit funds to boost your finances for your visa application and that work isn't actually being undertaken. As I've said, ECO's know all the tricks.
Of course you'll have to declare this work, otherwise how do you explain where the bank deposits have come from?
Casa wrote:You need to be honest with me. Is your brother only transfering money into your account for your visa application or are you really working for him?
hii casa thanks for ur replyCasa wrote:You'll need to remember what date you gave in the first application. Yes, they do cross check and everything is on record. If you give a different date for your first meeting to your original statement the ECO will consider one or the other false.
To be honest, the ECO is likely to catch you out with the false employment information. How many hours do you work for your brother, how do you fit this in with your full-time job etc etc. Bear in mind that giving false information risks a lengthy ban for future visa applications. You're walking a very dangerous road. In my opinion, the ECO will see through this easily, especially as it's your brother's business.
Casa wrote:If you've had advice from OISC immigration advisors and solicitors, then I can't add anything more, assuming you've told them the truth, that you're not actually working in your brother's company for £20 an hour but are using this as a source of deposting money to boost your application.
You and I both know this is false and the ECO when checking with your HMRC tax and NIC records will almost certainly know this too. £20 an hour by the way is a very high rate and that on it's own may well raise suspicion.
If the date of first meeting your fiancee differs from the statement on your 2nd application you'll be facing a refusal. Why didn't you give the actual date you met, then you wouldn't be having a problem remembering what information you gave?
Casa wrote:Vas, this self-employment is going to come under a great deal of scrutiny as the business belongs to your brother and he's paying you a very high hourly rate. The ECO has already refused your first application due to suspicions over your savings.
If I can spot that the earnings paid by your brother aren't legitimate (you aren't actually working for him, he's just depositing money into your account for the visa application), then the ECO who is trained to look for things like this, almost certainly will.
You can PM me, but I won't be able to tell you anything differently than I am on the open forum.