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Bank Overdraft

Only for queries regarding Indefinite Leave to Remain (ILR). Please use the EU Settlement Scheme forum for queries about settled status under Appendix EU

Moderators: Casa, archigabe, CR001, push, JAJ, ca.funke, Amber, zimba, vinny, Obie, EUsmileWEallsmile, batleykhan, meself2, geriatrix, John, ChetanOjha

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jara777
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Joined: Sun Jan 13, 2013 8:53 am

Bank Overdraft

Post by jara777 » Sun Sep 15, 2013 2:53 pm

Hi seniors, I'm sorry if someone has already asked this question in the post. I am applying for my ILR in December as the spouse of a British Citizen and i have an overdraft facility and my balance is always minus. Since I am the only earning member in the family. Will it affect my ILR application? Your suggestions would be appreciated.
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Amber
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Post by Amber » Sun Sep 15, 2013 3:09 pm

Providing you can adequately maintain and accommodate yourselves, there is not a problem with using an overdraft facility.
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AilleantSian
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Post by AilleantSian » Sun Sep 15, 2013 3:32 pm

I have just been successful at getting ILR and i am i my overdraft which is quite large
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jara777
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Post by jara777 » Sun Sep 15, 2013 4:59 pm

Thanks very much for a quick reply. I mean to say that in every month bank statement. Money out surpasses the money in into my account. Will it be a problem?
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Amber
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Post by Amber » Mon Sep 16, 2013 1:29 am

That should be ok providing you have earnings coming in.
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jara777
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Post by jara777 » Mon Sep 16, 2013 5:02 am

Thank you Amber for your quick reply.
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mobeenkhan
Junior Member
Posts: 59
Joined: Tue Mar 13, 2012 12:33 pm
Location: UK
Pakistan

Re: Bank Overdraft

Post by mobeenkhan » Wed Sep 10, 2014 5:10 pm

Hi jara777, I hope by now you have your ILR. Can you please let me know if being in negative on your bank statement caused any problems during the process?

Thank you
We might be MASTER of our own "THOUGHTS" yet SLAVES to our own "EMOTIONS"
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jara777
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Posts: 29
Joined: Sun Jan 13, 2013 8:53 am

Re: Bank Overdraft

Post by jara777 » Wed Sep 10, 2014 5:43 pm

Hi Mobeenkhan, Not at all. Got my ILR without a problem.
Are you going to apply anytime soon?
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mobeenkhan
Junior Member
Posts: 59
Joined: Tue Mar 13, 2012 12:33 pm
Location: UK
Pakistan

Re: Bank Overdraft

Post by mobeenkhan » Wed Sep 10, 2014 5:57 pm

Hi jara777, Thanks for the reply. Yes I'll be applying for my ILR next month. I do have more than £3000 in my savings account but my Personal Account (where the salary comes), it's been in overdraft for a very long time (maybe 2 years and more) as I never bothered bringing it back into positive. But, now I'm just a bit concerned, as the overdraft is quite big (around £2000). And my wife is applying with my as a dependent. So, I was a bit worried about it ...
We might be MASTER of our own "THOUGHTS" yet SLAVES to our own "EMOTIONS"
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jara777
Newly Registered
Posts: 29
Joined: Sun Jan 13, 2013 8:53 am

Re: Bank Overdraft

Post by jara777 » Wed Sep 10, 2014 6:17 pm

TBH I have more than that. I don't think it will cause any problem as long as the money coming to your account is accountable.
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mobeenkhan
Junior Member
Posts: 59
Joined: Tue Mar 13, 2012 12:33 pm
Location: UK
Pakistan

Re: Bank Overdraft

Post by mobeenkhan » Thu Sep 11, 2014 12:32 pm

Thanks a lot for the support jara777, really need it right now :)
We might be MASTER of our own "THOUGHTS" yet SLAVES to our own "EMOTIONS"
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bingoboy
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Posts: 1
Joined: Tue Jan 20, 2015 8:59 pm

Re: Bank Overdraft

Post by bingoboy » Tue Jan 20, 2015 9:04 pm

mobeenkhan wrote:Thanks a lot for the support jara777, really need it right now :)
Hi Mobeenkhan,

How did your ILR application go? I have the same problem (large overdraft paid back monthly but no savings account).

Thanks
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chakri28
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Posts: 4
Joined: Wed Jan 21, 2015 9:29 pm

Re: Bank Overdraft

Post by chakri28 » Thu Jan 22, 2015 12:02 pm

bingoboy wrote:
mobeenkhan wrote:Thanks a lot for the support jara777, really need it right now :)
Hi Mobeenkhan,

How did your ILR application go? I have the same problem (large overdraft paid back monthly but no savings account).

Thanks

Hi Mobeenkhan,

could you please let us know, an update of your application process. i am in the same boat, account is always been overdrawn but the regular salary is coming in every month.

Thank you
sri
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