Should i apply for my ILR now or ....?

[t_prakash]

Dear All,

Thanks for keeping such a helpful and informative forum alive.

My case is rather bit complicated. I guess i am eligible to apply for ILR (based on duration and points) but having trouble with my financials.

I came to UK on Aug 2006, on a work permit and then moved on to HSMP in 2007 and then to Tier 1 on 2009.

I was made redundant and was unemployed from Oct 2011 - Jan 2012 (4 months). But untill then i was in a decent job and my salary breakdown was:

2011

Jan 4700
Feb 4700
Mar 4700
Apr 4700
May 4700
Jun 4700
Jul 4700
Aug 4700
Sep 4700
Oct NIL
Nov NIL
Dec NIL

2012

Jan NIL
Feb NIL (yet to be paid)
Mar 6500 (projected)
Apr 6500 (projected)
May 6500 (projected)

As you can see from above i was unemployed for 4 months, in the last 15 month window, though i can show the earnings for the rest of 9 months and would still qualify

Salary £40K+ -> 45 points
Age -> 5 points
Education - 30 points
UK experience -> 5 points

Total = 85 points while i need only 75 points, never overstayed or stayed outside UK more than the allowed quota.

My concerns:

1. Can i show just 9 - 10 months (consecutive) of my earnings instead of 12 months within the last 15 month window?

2. Due to unemployment my bank account took a hit and was contstantly in overdraft between Oct 2010 - Feb 2012 (though i am not claiming earning points for these months anyway), but will this have a bad effect on the outcome of my application?

3. Do i even need to show my bank statements for the last 4 months as i am not claiming any points based on that?

4. Do you recommend to apply now or do you suggest to wait for another 3 months to manage the moneyflow in the bank account to apply?

I am currently working in a contract position though i was told that the work will go on till end of may, we never know of what could happen. thats why i am in a dilemma of whether should i apply now or later.

Your thoughts and suggestions are much appreciated.

Thanks,
Prakash

[Lucapooka]

1. Yes

2. No

3. Not necessary if there is no income to be considered

4. Your decision but if you are eligible now you can apply now.

[rkk]

acc to my knowledge....u r absolutely fine go for it now,,

[t_prakash]

Thanks to Lucapooka & rkk for your kind replies.

Regards,
Prakash