Tier 1 General Visa (Initial) and Overdraft Issue

[tungha1979]

Hi,

I am applying for Tier 1 General (Initial) visa (In Country) next month. My current PSW leave expires 10/Feb/2010.

My query is regarding the overdraft facility in my Salary account. I have two bank accounts.

My Salary account is held with Lloyds where my salary gets credited every month. I have a planned overdraft of £3000 in my salary account which i keep utilising it and as a result of it my salary account has negative balance.

Now, I have a different bank account with HBOS where I have kept the maintainance fund (£1600) for me and my wife. It has been mainatained from last 03 months and the balance has never come down.

I want to know if my negative balance which is in my Salary account and which is because i use the overdraft facility in my salary account, is going to be a problem for my Tier 1 General visa application.

I will be submitting my Lloyds bank account statement to show the salary credits and I will send my HBOS statement showing the maintainance funds.

Will the caseworker link both the statements and calculate the maintainance funds or will he just look at my salary account statement to check my salary credits and will check my HBOS account statement to see my maintainance funds?

Please advise

Sanjeev

[arsenal49]

your salary account will prove your earnings.

your other account will prove that you have maintenace funds available.


i dont see any issue here. just make it clear which account is used as an evience for what, and you will be fine.


regards