Wages not paid into bank - Advice requested

[Sukash]

Hi All,
I am glad to find this forum after all. Hope I can get the clarification of my issue.

We are going to apply for my wife visa extension - FLR(M)- in couple of days time. However, we have got an issue which hunting my mind. I am not sure if any one is there in similar situation. Me and my wife work for same employer we make over 20k together in last 12 months, however my employer does not pay into our bank directly. They give us wages in cash along with wage slip at the end of every month. We deposited the part of the amount of wages into our personal bank account after keeping some money for personal expenses every month. We asked them to pay into the bank. But they said that bank will charge fee for depositing into their business account, they have to pay in cash to keep the bank charges low.
Can any one please suggest what is the best way to deal with the issue in the application documentation. Should I just explain in the covering letter or should I put any additional documentation other than payslips & personal bank statements (showing cash deposits).
I got to apply in couple of days time as my wife visa is going to expire, any suggestions are much appreciated.

Thanking you,
sukash

[seagul]

Your strategy is totally wrong as you should deposit the whole wages into bank account to match it with payslips then you can withdraw for personal expenses.

[Sukash]

Dear Seagul,
Thanks for your reply. We thought that payslip / income statement is enough to prove the earnings. Is that going to effect the result of the application?

More inputs from Gurus & other experienced people are much appreciated.

Thanks in advance
Sukash

[CR001]

Your ban statements must match your salary payments. It is mandatory to submit both sets of documents.

[Sukash1]

Dear CROO1,
Thanks for your reply. Unfortunately our bank statements showing only part of wages deposited into the bank account every month as we did not realise this problem and kept some money for expenses and then deposited into the bank account.
Is there any alternative evidence like Payroll paperwork like P60s or P11s that I can show along with the bank statement showing part of the money deposited & payslips.
Can any one suggest what is the best way to deal with the issue and what is the best course of action in present situation.

Thanks in advance
Sukash

[metanoia]

I think senior members can relevant to you and interpret it better for you :

3.1.5. Under paragraph 1(n) of Appendix FM-SE the gross amount of any cash income may be counted where the person’s specified bank statements show the deposit of the full net amount which relates to the gross amount shown on their payslips (or in the relevant specified evidence provided in addition to the specified bank statements in relation to non-employment income). Otherwise, only the net amount shown on the specified bank statements may be counted. Those wishing to rely on cash income to sponsor an application subject to the financial requirement may need to change the way they manage their money and bank the full net amount so that they can then rely on the gross amount of that income in sponsoring the application. Like the other evidential requirements of Appendix FM-SE which seek to maintain the integrity of the system for all genuine applicants and sponsors, it is important that those wishing to rely on the gross amount of their cash income from employment corroborate this income through their bank statements, as well as the required payslips and employer’s letter.


Example
The prospective sponsor of an application for entry clearance as a partner is in nonsalaried
employment with a construction firm in the UK. He is paid weekly in cash and
receives payslips showing this net income, together with the gross amount and the
correct deductions for tax and National Insurance. He currently deposits around half of
his net income in his bank account each week and uses the remainder of the cash to
pay his rent and some of his living expenses. He will need instead to bank all of his net
income each week so that this income is reflected in his bank statements for a period of at least 6 months prior to the date of application in order to be able to rely on the gross amount of this employment income in sponsoring his partner’s application. Failure to do this would mean that the unbanked cash income could not be counted towards meeting the financial requirement.

https://www.gov.uk/uk-family-visa/proof-income

https://www.gov.uk/government/uploads/s ... rement.pdf

[Sukash1]

Dear Metanoia,
Thanks for your reply. In that case which amounts should I mention in the application from "gross wages showing on the payslip or cash deposited into the bank".
Is it any good if I can explain in the letter that "why we are not able to deposit and we will be able to deposit from now" or "my employers accountant letter confirming my gross wages".
Is there other documents that can possibly support my gross earnings showing on the payslips.

I know my situation is little bit complex. Please leave your comments and suggestions or experiences.

Kind Regards,
Sukash