Immigration finances ????

omeo_21 · Post by **omeo_21** » Tue Dec 08, 2009 12:15 pm

Hi guys i was wondering if you could help me out please
I am applying to bring my fiancee over and basically my question is concerning my finances. They state that after you have payed your commitments such as mortgage, rent etc.. you should have Â£400 left per month. I am currently earning over Â£700 and the only commitment that i have to pay is car insurance which is only around Â£60 per month. I'm living with my parents so I dont have any bills to pay. So obviously I have over 400 pounds left. However my question is that during the months in which i submitted my bank statements i spent maybe between 400-500 pounds which were expenses for when my wife came over to visit but where one off expenses, not commitments. I wanted to know will they minus this amount of money from my wage of 700 pounds and say i only have 200 pounds or so left to support my fiancee. Or will they say that he only has 60 pounds commitment so has roughly 650 disposable income left which is more than the 400 so as long as after his commitments he has over 400 pounds left we are happy and whatever he spends whether its 300.400 pounds is up to him.

I hope you can understand my question and thanks to those who answer. much appreciated

ElenaW · Post by **ElenaW** » Tue Dec 08, 2009 12:32 pm

If I were you I would probably wait until I had some bank statements that really do reflect my regular spending. If you don't like that option then explain what you said on here in a cover letter (what your expenses usually are).

omeo_21 · Post by **omeo_21** » Tue Dec 08, 2009 12:46 pm

hi elena, so will they take of those expenses from my salary that is left after my commitments or not? Also i do have considerable amount of savings in my account so I could just state that i used my savings to pay the expenses and not my wages, if you get what i mean. Also i got a statement from before showing only around 200 pounds spent however that statement only shows the income in of my first job which is only 350 pounds per month as i didnt get my second job until the month after, so would that not matter! Thanks and im sorry if i've confused you.

ElenaW · Post by **ElenaW** » Tue Dec 08, 2009 1:08 pm

omeo_21 wrote:hi elena, so will they take of those expenses from my salary that is left after my commitments or not? Also i do have considerable amount of savings in my account so I could just state that i used my savings to pay the expenses and not my wages, if you get what i mean. Also i got a statement from before showing only around 200 pounds spent however that statement only shows the income in of my first job which is only 350 pounds per month as i didnt get my second job until the month after, so would that not matter! Thanks and im sorry if i've confused you.

If you have a considerable amount of savings, I doubt those expenses would even be an issue. Yes they usually take your salary and consider your expenses and see how much is left over. However, if you have savings I'm pretty sure they add that to the mix.

Why don't you create a budget sheet that shows how much you make and your expenses to make it more understandable to the ECO.

omeo_21 · Post by **omeo_21** » Tue Dec 08, 2009 1:18 pm

thankyou for your reply, i just have one more question.

Even if the expenses are not commitments they still deduct it from the salary?? But in either case how would they know if i used my salary or my savings to pay the expenses?

if i state on the application form where it asks you how much you spend on living costs, if i state that i spend arounf 200 pounds per month normally and If i provided a bank statement showing only 200 pounds spent and then the bank statements of the past three months which have considerable expenses and write a letter stating that i normally spend 200 pounds per month as can be seen by this bank statement however for these past three months i have these one off expenses due to the solicitor fees etc.. however i used my savings and not my salary to pay for these expenses would that be sufficent enough for them??

thankyou so much for your reply, you dont know how much you made me feel better

Post by **Casa** » Tue Dec 08, 2009 3:09 pm

If you don't show that from your earnings you will be contributing at least
a nominal amount for food and basic household expenses, then the ECO is likely to consider you will be receiving 3rd party fianancial support from your family.
If you're not going to continue living with family then you need to show what your living expenses will be. More than Â£60 a week I would suspect!

omeo_21 · Post by **omeo_21** » Tue Dec 08, 2009 3:24 pm

i'm a bit confused by your reply casa. could you just clarify please. I stated that i spend around 200 pounds a month on living expenses, is that enough. however i am going to continue living with my family who pay the rent and bills etc.. i spend around 200 pounds per month but i dont give any money to my family.

i am not recieving any third party support from my family, yes my family pay for the bills such as rent etc.. but im working myself earning over 700 pounds a month and i have alot of savings in my personal account and i would be supporting my fiancee with my salary and savings

Post by **Casa** » Tue Dec 08, 2009 3:37 pm

You'll need to show that once your fiance/wife joins you, you'll contribute to food and household bills...as your parent's costs will rise...resulting in the equivalent of them supporting you financially.

omeo_21 · Post by **omeo_21** » Tue Dec 08, 2009 3:41 pm

how can i show that once my fiancee joins me that i'll contribute to the bills?
my parents just pay fot the bills and rent. i use my own money from my expenses and wages for my own living costs not my family. however my parents are not going to be supporting her they just pay the bills . I thought the ECO already know its my job to support her thats why they want to know if im making over 400 pounds a month.

sorry if im confusing you or annoying you. thanks for your time and btw you were going to answer a question before that i asked regarding me submitting only 3 months pay slips and bank statements for my fiancees application and if that was enough?

thanks again

Post by **batleykhan** » Tue Dec 08, 2009 3:49 pm

I think what Casa is saying that if you dont contribute ANYTHING towards the cost of your living to your family, you could be deemed to be recieving third party help from your parents ( ie them paying all the bils- whilst you live free and dont contribute anything).

She is suggesting that if you show that that you contribute something like Â£150-Â£200 per month to your parent so that they can pay the bills, it will be beneficial to your application in that you are making SOME contribution towards the cost of where you and your fiancee will reside in the foreseeable future until such time you get your own place

omeo_21 · Post by **omeo_21** » Tue Dec 08, 2009 3:58 pm

so if i state that i give 150 pounds a month to my parents where on the application shall i state this. In the section that says "how much of your sponsors total monthly income is given to family etc.." or in the section that states "how much do you spend each month on living costs"?? thanks

Post by **batleykhan** » Tue Dec 08, 2009 4:07 pm

8.7.15 - Write it in this section on the form

omeo_21 · Post by **omeo_21** » Tue Dec 08, 2009 4:21 pm

if i wrote in that section 200 pounds would that include my costs that i give to my family and the costs i spend personally on myself? are personal expenses considred commitments?

if i get 700 pounds and say i spend approximately 250 pounds a month on family and myself i'll have 450 pounds left. so will they say he then has 450 pounds disposable income left more than whats required. however my main question is that my balance from my bank statements that i submitted shows more than 250 pounds gone out but these were one off expenses for the solicitor and gifts for my fiancee and her mother. if i write a letter stating this and show that those expenses came out of my savings and it just was a one off and not what i normally spend will that be sufficient for the ECO?? if you could just answer this question i really appreciate it and thanks so much once again for your help

Post by **batleykhan** » Tue Dec 08, 2009 4:49 pm

They will build up a picture of your financial sittuation from the the 6 months bank statements that you should have provided, rather than one, where you might have either spent to much or spent nothing.

toleem · Post by **toleem** » Thu Dec 10, 2009 4:32 pm

Sorry for just dropping in this email exchange of yours but I would like to ask for your opinion:
if my wages of 17,000.00 GBP PA
and if tennacy agreement and a TV license

good enough proof, or do I need to add something more to documents.

Thank you in advance

Post by **Casa** » Thu Dec 10, 2009 4:54 pm

Good enough proof of what?

toleem · Post by **toleem** » Fri Dec 11, 2009 10:47 am

Sorry for just dropping in this email exchange of yours but I would like to ask for your opinion:
if my wages of 17,000.00 GBP PA
and if tennacy agreement and a TV license

good enough proof, or do I need to add something more to documents.

sorry, I was not clear

I earn around 17K PA, before tax. I have done my finance sheet, and after all expenses paid, exluding the food, I would be left with 200 pounds per month. If i squeez e bit more I would be left with 250. Would that satisfy ECO as far as funding part is concerned

Since I would be moving to a new accomodation soon, 1 bedroom flat for my spouse and 15 months daughter, would tenancy agreement and TV lincese satisfy any ECO as far as accomodation part is concerned.

I hope that my post is clearer

Post by **batleykhan** » Fri Dec 11, 2009 12:36 pm

I hope that my post is clearer Smile

Good enough proof of what? Rolling Eyes

you still havent answered the question.

What are you applying for - spouse visa, ILR, etc?

toleem · Post by **toleem** » Fri Dec 11, 2009 1:04 pm

batleykhan & Casa

I am going to apply for Spouse Visa.

Another question. Is it neccesary for local council to inspect the flat?

andyb123 · Post by **andyb123** » Fri Dec 11, 2009 1:13 pm

toleem wrote:batleykhan & Casa

I am going to apply for Spouse Visa.

Another question. Is it neccesary for local council to inspect the flat?

Whilst it doesn't say in the guidance notes that this is REQUIRED, it does say that you need to submit "PROOF" that the accommodation is suitable, and from other's experiences it does seem that a housing inspection for entry clearence from the local council is the only item of definitive proof that they accept... better to get one done to be on the safe side.

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Immigration finances ????

Immigration finances ????