Financial Requirement and Adequate Maintenance

[Hexamelly]

Hi everyone,

Question about cohabitation evidence, we had to order some older bills to fill in gaps for 2017 as we hadn't opted out of paperless billing at the time.

My EDF energy bill comes with a letter of authenticity and says that it's a true and certified copy at the top. My husband's Virgin Bill only says COPY at the top...

Also, our old landlady has sent us a PDF copy of the tenancy agreement we signed with her when we were living in a shared accommodation. I requested the original but she cannot legally give this to us. She has said that she can send us over a copy which she will sign and then we will counter sign but I don't know of this will be accepted.

Any help would be great, thank you.

[Londoner007]

Fine.

[Hexamelly]

Fine.

The copies of the bills are fine? The PDF of the tenancy agreement is fine? Or both?

[Londoner007]

Both are fine.

[Hexamelly]

Just wanted to verify, my pension is deducted before tax. I have two gross earnings on my payslips. Am I right in assuming that I'd use the amount after the pension has been deducted instead of the total gross with it included?

[CR001]

Amount BEFORE any deductions.

[Hexamelly]

Amount BEFORE any deductions.

Alrightie, that's CR.

[Hexamelly]

Just wanted to verify that our financial documents will be no older than 28 days at the time of our application.

My husband will be paid on October 19th and I will be paid on October 26th, our appointment is on November 13th. So counting from the 19th to the 13th that's 25 days which is within the 28 day window right?

[Londoner007]

You will be within the 28 day rule - all the best

[Hexamelly]

Hello again, just need a little help calculating our income for the form.

I'm paid monthly, and I'm non salaried.

May 25 £893.56
June 29 £1163.23
July 27 £865.38
August 31 £1223.60
September 28 £941.85
October 26 £800.00 (approx)

Total = £5887.62
£5887.62 ÷ 6 × 12 = £11775.24

My husband is paid 4 weekly, and receives 13 payslips a year. We are not sure if he is salaried or not because his payslips show an hourly rate but his contract shows a weekly wage. I'll include both calculations below.

April £1219.55
May £1196.60
June £1703.01 (annual bonus of £443.78 included)
June £1257.21
July £1059.09
August £1241.99
September £1253.15
October £1283.74

Total = £10224.34 (28 weeks)

Salaried:

£1059.09 × 13 = £13768.17

Non-salaried:

£10224.34 ÷ 28 = £365.15 (weekly average)
£365.15 × 26 = £9493.90 (26 weeks)
£9493.90 ÷ 6 × 12 = £18987.90

Combined Income:

£11775.24 + £13768.17 = £25561.41

OR

£11775.24 + £18987.90 = £30763.04

Math is not my strong suit so if anyone has any feedback that would be great.

[seagul]

Hello again, just need a little help calculating our income for the form.

I'm paid monthly, and I'm non salaried.

May 25 £893.56
June 29 £1163.23
July 27 £865.38
August 31 £1223.60
September 28 £941.85
October 26 £800.00 (approx)

Total = £5887.62
£5887.62 ÷ 6 × 12 = £11775.24

My husband is paid 4 weekly, and receives 13 payslips a year. We are not sure if he is salaried or not because his payslips show an hourly rate but his contract shows a weekly wage. I'll include both calculations below.

April £1219.55
May £1196.60
June £1703.01 (annual bonus of £443.78 included)
June £1257.21
July £1059.09
August £1241.99
September £1253.15
October £1283.74

Total = £10224.34 (28 weeks)

Salaried:

£1059.09 × 13 = £13768.17

Non-salaried:

£10224.34 ÷ 28 = £365.15 (weekly average)
£365.15 × 26 = £9493.90 (26 weeks)
£9493.90 ÷ 6 × 12 = £18987.90

Combined Income:

£11775.24 + £13768.17 = £25561.41

OR

£11775.24 + £18987.90 = £30763.04

Math is not my strong suit so if anyone has any feedback that would be great.

Your husband income seems non-salaried because varying and I think its alone might fulfill the financial requirement (if no dependent). Check the total of his last 26 weeks wages and if it is at least £9300 then preferably use his income alone only to keep less paper work and making less confused to caseworker..

[Hexamelly]

Thanks seagul, we have no dependents so we only have to meet the £18600 requirement.

We figured that people would say to rely only on his income, however, the above calculation is not in anyway accurate. He usually makes a bit more than £16000 a year even with his annual bonus. We don't feel confident only including his income.

[Londoner007]

Include both

[Hexamelly]

Hello again everyone,

I'm sorry to be posting so frequently but there have been some new developments and my husband and I are both terrified that we are about to be separated.

He works for Tesco and over the past few weeks has been trying to obtain his letter of employment. Every person he has spoken to has outrightly refused to help him, this includes people in payroll, his personal manager and other senior employees.

Another manager from a different department wrote him a letter but it is not on company letterheaded paper, does not mention his annual earnings and does not verify his payslips (even though my husband has shown him the appendix and it's strict rules, this person is under the impression that what he has supplied is "good enough").

My husband is waiting for his store manager to return from his holiday and hopefully speak with him about getting what we need, but I am concerned that he will refuse as well.

We are scared and have been losing sleep over this. The idea that we will be separated for a substantial amount of time because of this is too much for either of us to handle.

Has anyone had such difficulty before? I have been searching everywhere and can't seem to find anyone who has found themselves dealing with similar circumstances.

[seagul]

Don't loose your sleep rather be bold and why don't you approach tesco head office.

[Hexamelly]

My husband has tried to reach out to everyone he could think of. Getting in contact with Tesco head office is quite difficult since they don't have an HR (only an outsourced call centre).

[seagul]

My husband has tried to reach out to everyone he could think of. Getting in contact with Tesco head office is quite difficult since they don't have an HR (only an outsourced call centre).

My husband has tried to reach out to everyone he could think of. Getting in contact with Tesco head office is quite difficult since they don't have an HR (only an outsourced call centre).

Try to contact Area store manager/other top management and also remind about Tesco moto "Every little Helps". If both/either of you by chance have some savings locally/abroad then can combine it with your income only by skipping Tesco income.

[CR001]

Tesco likely has a shares services HR department each store also has an HR Admin person. This is who he should be asking.

[Hexamelly]

Tesco has personnel managers, however they made cut backs and now only have 1 per every 6 or 7 stores and no one at his place of work seems to know who this person is.

He is waiting for his store manager to come back on Tuesday so he can discuss things with him and hopefully talk him into writing the letter for him.

We don't have any savings that can be used toward the financial requirement.

[Casa]

This MUST be on company letterhead.

[Hexamelly]

This MUST be on company letterhead.

Tesco no longer issues letters with a letterhead, they only have the ability to stamp the letter or they would print it on stationary that has their name on it but it doesn't look official.

I'm at a loss and am very worried that we will have no options going forward.

[Londoner007]

printed it on stationary that has their name on it is fine

[Hexamelly]

Sorry guys but I'm unsure of what to do.

Tesco no longer write letters on letterheaded paper they only stamp things now. My husband's manager was mistaken about the stationary they had so this is our only option.

Should we write in the letter that they no longer have letterheaded paper and only stamp things?

[Londoner007]

If a letterhead is no longer available, then it cannot be reasonably expected of you to provide it.

You can clarify this on the extra information bit. If ECO is in doubt, they can call Tesco and find out.

Make sure everything else like payslips etc are all there in order.

[Hexamelly]

If a letterhead is no longer available, then it cannot be reasonably expected of you to provide it.

You can clarify this on the extra information bit. If ECO is in doubt, they can call Tesco and find out.

Make sure everything else like payslips etc are all there in order.

We will clarify in our application as well as adding a line in the employment letter itself. Thanks a lot Londoner!