Me and Son's Tier 1 Dependant visa Refused.Need Advice

[sheeja_aaron]

Hi,
Our dependant visa was refused in Oct 2nd week. My husband is in UK since July 2011. After he got a permanent job we decide to show indian fund and apply for dependant visa for me and my kid.

We have provided Indian Bank letter(Saving & Fixed Deposit) + passbook for saving account.

UK bank statement as just an additional document

In the refusal letter, It looks like more of they referred to UK bank statement for maintenance fund eventhough we have mentioned clearly in the covering letter.
Also even though we have mentioned the duration on the Fund maintained "from" and "to" date. They were expected a line which shuld say the minimum balance maintained during the period is XXX amount like that.
We provided the bank passbook of the saving account since vfs requested as to submit. That had only the savings account and not the Fixed deposit amount.
Please somebody provide me a bank letter format. (sad part is we submitted the same format of letter for my husband in Dec 2010, he got his Tier 1 visa now using the same format our visa's are refused.)

In th sons refusal letter in addition to the above points below lines were mentioned which i could'nt understand.
“You have not provided adequate evidence that your mother is your sole surviving parents and has had sole responsibility for your upbringing or there are serious and compelling family or other considerations with would make it desirable not to refuse your application.â€

[geriatrix]

Also even though we have mentioned the duration on the Fund maintained "from" and "to" date. They were expected a line which shuld say the minimum balance maintained during the period is XXX amount like that.

Most important!
Reading this topic should be useful.

[sheeja_aaron]

Thank you very much for your reply..


Below the Bank letter format we submitted for my husband for who we never faced any issue in Dec 2010.
Me and my kid applied now and our visa's were refused.

The FD and saving bank accounts we hold are joint account(Me and my husbands name)
------------------------------------------------------------------------------------
Date

"This is to certify that Mrs.XXX and Mr.XXX are customers of this bank and maintaining their savings and special term deposit accounts aggregate to an average of Rs.XXXXXX from FromDate" to "ToDate" and the amount available is easily encashable.

The residence address of the above customer is as below;

XXX
XXX
XX


STATE Bank of India
<<Signature and seal>>
Bank Manage
-------------------------------------------------------------------------------------
The reason we recived states that instead of the work average they expect "minimum".

We have not provided a separate letter for FD account. Is it mandatory that we need a separate letter for FD as metioned in the link provided ?

Thanks
Sheeja

[geriatrix]

The reason we recived states that instead of the work average they expect "minimum".

Because the requirement is to maintain the required "maintenance fund" for at least 90 days with the balance not falling below the required amount for even a single day. "Aggregate to average" does not certify that the funds has not fallen below the threshold during the 90 days period.

Whether you wish to submit a single letter (for both savings account and term deposit) or separate letters for each is your choice - the bottom line is that the letter(s) must provide all the necessary details - for each account being used as evidence - as specified in the policy guidance.

[sheeja_aaron]

Dear sushdmehta,

Thank you Very much for the clarifications.

Could you please clarify the below points,

1.When we show Indian Bank for fund maintenance. Do we still need to submit UK bank statements as additional document ?

2. In th sons refusal letter in addition to the above points below lines were mentioned which i could'nt understand.
“You have not provided adequate evidence that your mother is your sole surviving parents and has had sole responsibility for your upbringing or there are serious and compelling family or other considerations with would make it desirable not to refuse your application.â€

[geriatrix]

1. No, if the various accounts you are using as evidence have enough money to meet the "maintenance fund" requirement.

2. Did you submit a copy of your spouse's personal details pages and copy of BRP / visa vignette when the application was made? If not, that's the reason. But if you did, it is a mistake by the caseworker to mention this as (one of the) reason for refusal.

[sheeja_aaron]

Ohh...ok.

I have submitted his UK visa page, his passport First and last page where it covers his details as well as my name is added in his page and so the same with my passport as well.
I really dint get the term BRP / visa vignette . Could you please explain ?

Thanks
Sheeja

[geriatrix]

visa vignette = visa sticker = visa affixed on the passport.
Ignore BRP, as it may not be relevant if your husband entered UK as a Tier 1 (General) migrant only in July 2011 and has not applied for an extension since then.

[sheeja_aaron]

Yes. I had submitted the visa stamped page as well.

[sheeja_aaron]

Hi,
we are planning to apply a new applications.
Bank letter i will follow the format for FD as provided in that link.
what do i need to do for my son's visa refusal reason ?
Please provide us some guidance.

Thanks
Sheeja

[shahmir]

Below format is perfect for normal current or saving accounts, got positive results from UKBA. You can just add one line regarding liquidity of funds if it is a fixed deposit account.

21st October, 2011


To Whom It May Concern


Subject: ACCOUNT MAINTENANCE CERTIFICATE


This is to certify that MR XXXX YYYYYY is maintaining PKR Saving Account with Bank XYZ Ltd, VVV branch, Pakistan since 01/01/2010.

Other details are as under:


Account Number: 123123123
Account Title: XXXX YYYYY
Nature: INDIVIDUAL ACCOUNT

It is also certified that the said customer has maintained a minimum balance of PKR 1,101,000/- at all times for the period starting from 21st July 2011 to date.


This certificate is being issued on a specific request by the customer, without any risk, liability or financial engagement in any form on part of the bank or any of its officials.



Name
Branch Manager
Bank XYZ Limited
City Name, Pakistan

The letterhead of bank must contain bank name, logo, contact details, date and signature.

The problem was with 'maintenance of funds', the ECO has overlooked some other evidence or just pasted wrong additional refusal reason regarding your child. You need to show him evidences of his/her birth and your relation to him/her and that his/her father is in the UK with immigration visa. They cannot refuse it. Because this will be your second time, make sure you show enough funds to qualify for a dependent visa along with your child in additional to funds of your husband.