Previous Earnings Freelance Work and Bank Deduction Issues

[ahmadjalilqarshi]

I am from Pakistan and planning to apply in mid of September under Tier 1 (General).

I have few queries before applying regarding the previous earnings which are given hereunder:

1) If AEL (Annual Earned Leaves) and Medical Allowance can be considered as part of salary to claim points or not.
I have read the general policy guide but I didn't find the information related to this or may be I have skipped.

2) I have worked on a freelance site (www.rentacoder.com) and I have also earned money over there. Can I use that source of income while claiming points for earnings? If yes then how?

3) My current salary is in USD. I don't have a dollar account at the moment and this salary is transferred into my PKR (Pak Rupees) account but the salary slips indicate salary in USD. So which type of money (i.e USD or PKR) should I use while claiming points.

4) My salary in USD is transferred from China and its being routed from different banks before it reaches into my Pakistani Bank account. During this routing each month 10-15 USD are deducted by banks. So it will create a difference in bank statement and salary slips. My company has also decided to return those deducted USD in the previous months in the upcomming salary. So how to deal with it?

5) My company was deducting provident fund from my salary each month since last 3 years. Now the company have changed its policy and I am going to withdraw my provident fund. It will be like this:

My Share since last 3 years: 40,000 PKR.
Company's share since last 3 years: 20000 PKR.
Interest: 6000 PKR.

Can this be included in my previous earning.

Thanks in anticipation,

Regards,

Ahmad Jalil Qarshi

[ahmadjalilqarshi]

Dear Administrator and other experienced and helping guys,

I am still waiting for your kind response. May be I couldn't explain my problems properly or may be they are irrelevant.

Kindly give me a helping hand.

Thanks in anticipation.

Regards,

Ahmad Jalil Qarshi

[CoolestGuyC]

) If AEL (Annual Earned Leaves) and Medical Allowance can be considered as part of salary to claim points or not.
I have read the general policy guide but I didn't find the information related to this or may be I have skipped.

If they are claimed as allowances then read Tier 1 policy guidance notes, paragraph 106 to 109.
In short, if they form a part of your salary and show up on payslips, then you can claim them as your earnings.

2) I have worked on a freelance site (www.rentacoder.com) and I have also earned money over there. Can I use that source of income while claiming points for earnings? If yes then how?

Yes. You have to show two types of documents to prove earnings from this source. (e.g payslips and bank statements, or billing vouchers and bank statement,etc.). See Tier 1 guidance section for self employed persons, you may get some documentation hints there.

3) My current salary is in USD. I don't have a dollar account at the moment and this salary is transferred into my PKR (Pak Rupees) account but the salary slips indicate salary in USD. So which type of money (i.e USD or PKR) should I use while claiming points.

1. It is not the currency of payment that determines your earning band, but your location. So first determine the income band first (based on your working location).
2. Then convert your income (in whatever currency) to gbp. (using oanda.com)
3. Apply uplift factor based on income band from point 1.

4) My salary in USD is transferred from China and its being routed from different banks before it reaches into my Pakistani Bank account. During this routing each month 10-15 USD are deducted by banks. So it will create a difference in bank statement and salary slips. My company has also decided to return those deducted USD in the previous months in the upcomming salary. So how to deal with it?

You can do two things here:
1. Ask the bank to show clearly the deduction on your bank statement. If they cannot do it, ask them to write a letter which shows each deduction which they have made till date from each of your net salaries. If you have multiple banks in between, this letter would be required from each bank.
2. In addition to above document, ask your employer to write a letter which says that he is aware of such deductions done by the bank and he is paying this "difference" in so and so month. Ensure that this "difference" payment shows up in your payslip for so and so month.

So having solid combination of Bank letter, bank statement, employer letter and payslips would greatly help you.

5) My company was deducting provident fund from my salary each month since last 3 years. Now the company have changed its policy and I am going to withdraw my provident fund. It will be like this:

My Share since last 3 years: 40,000 PKR.
Company's share since last 3 years: 20000 PKR.
Interest: 6000 PKR.

Can this be included in my previous earning.

I dont think so, because you have made that earning in last 3 years.

But on the other hand, you can include the provident fund which you have earned this year(provided that it is declared on your payslips).

Take care not to include the PF twice(i.e. once declared in payslip which goes to your PF account and then secondly you withdraw from PF account and it goes to bank account). That is, any earnings should only be included once.

[ahmadjalilqarshi]

Dear CoolestGuyC,

First of all thanks a lot for your kind response.

However, I have few more queries regarding your answers.

Quote:
2) I have worked on a freelance site (www.rentacoder.com) and I have also earned money over there. Can I use that source of income while claiming points for earnings? If yes then how?

Yes. You have to show two types of documents to prove earnings from this source. (e.g payslips and bank statements, or billing vouchers and bank statement,etc.). See Tier 1 guidance section for self employed persons, you may get some documentation hints there.

The problem is that I can't show two documents as a proof for my rentacoder work. However I can take printouts of my projects done and money earned against those projects from the website. Furthermore, I get my earnings through Western Union Money Transfer. I can show a receipt of that. Is it enough? If this will complicate my case I can discard it. What do you say?

Quote:
3) My current salary is in USD. I don't have a dollar account at the moment and this salary is transferred into my PKR (Pak Rupees) account but the salary slips indicate salary in USD. So which type of money (i.e USD or PKR) should I use while claiming points.


1. It is not the currency of payment that determines your earning band, but your location. So first determine the income band first (based on your working location).
2. Then convert your income (in whatever currency) to gbp. (using oanda.com)
3. Apply uplift factor based on income band from point 1.

I think I couldn't make my question clear. Actually problem is that the Currency on my Salary Slip and Bank Statement doesn't match. On Salary Slips its in USD but these USDs are transferred to my PKR salary account as I don't have USD account. I want to know which Currency should I use to convert into GBP? USD or PKR? Kindly note that I am doing job in Pakistan.

As far as PF is concerned I will try not to include it in my previous earnings as I dont want to make my case complicated.

Waiting for your kind response.

Regards,

Ahmad Jalil Qarshi