Well I guess the title gives a vague idea what my question will be related to ... hehehhe ... Please need quick help regarding this, here's the full detail,
Well I am working in the UK for the last almost 4 yrs, I have a salary of £22k a year, I am on a Tier 1 (General) - Migrant visa and got married about 2 years back. My wife was here with me for nearly a year on a visiting visa, now she has gone back and will be applying for a dependent visa under Tier 1 category. Well here are the details of my balances at the moment,
1) I have a savings account covering around £2100
2) My approx. salary after tax is around £1450
3) I have an approved Bank Overdraft limit of £2100
4) My overall Rental + Bills for a 1 bed flat is around £550 (Leaving behind £900 for other stuff)
So, well ... for the past few months, I have been constantly in Overdraft, reaching close to the border line of my overdraft limit, but as I am on a permanent job, every month I receive salary and account gets better but still remains in Negative. You might be thinking why don't I put my savings £2100 into my account to get out of overdraft, well the reason is, coz I have to show a maintenance fund of atleast £1,333 (£800 for myself + £533 for my wife as my dependent)
Well my question is, with a saving of £2100 plus a £22k/year salary, does the overdraft affect in any way on the decision of my wife's visa? Can it get refused on the clause that my account has been in negative for quite a long time ... or do they only check if the money is going in and out of the account ...
If yes, is there a work around to make the visa application more effective, like getting a letter from the bank stating that I have an approved Overdraft limit from the bank or such ... Please help, time is running out and I really need to apply quickly ...
Thanks in advance,
Take Care all
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