I am a British National. My wife applied for a visa in December 2018. We got an email today saying it's been rejected because I don't meet the financial requirements.
I am 65 years old and retired at 60. My wife is Chilean and we have been together since 2008, got married 2016, after my divorce was finalised. Here is the reason for the rejection.
"Suitability
Your application does not fall for refusal on grounds of suitability under Section S-EC of
Appendix FM.
Eligibility
Under paragraph EC-P.1.1.(d) you do not meet all of the eligibility requirements of
Section E-ECP of Appendix FM for the following reasons:
Eligibility Relationship Requirement
You meet the eligibility relationship requirement of paragraphs E-ECP.2.1. to 2.10.
Eligibility Financial Requirement
You do not meet the eligibility financial requirement of paragraphs E-ECP.3.1. to 3.4.
You have stated in your Visa Application Form that you meet the financial requirement
through CAT C. I am not able to take into account any potential employment you have
available to you in the UK or any offers of financial support from third parties. In order to
meet the financial requirements of Appendix FM your sponsor needs a gross income of
at least £18,600 per annum. You have not provided an Appendix 2 but from the evidence
provided your sponsor is in receipt of Pensions. As evidence of your sponsor’s pensions
you have submitted
xxxxxxx letter confirming State Pension of £148.10 per week
xxxxxxxx Letter dated 12/02/2001 confirming Pension fund
of £20,509.84
xxxxxxxxxx Letter dated 12/09/2013 confirming
Pension yearly equivalent of £1,406.28
xxxxxxxxx Letter dated 03/06/2013 seen confirming Pension fund of £20,173.22
xxxxxxxxxx letter dated 19/09/2013 confirming a lump sum of
£19,033.12 paid to the sponsor
xxxxx Bank Statement showing xxxxxxx Pension deposits
xxxxxx Bank Statement dating from 15/12/2017 to 02/07/2019 show pension
payments although it is unclear which pension these refer to.
The evidence provided indicate the sponsor is receiving:
xxx Pension of £7,701.70
xxx Pension £5,767.04
xxx Pension £1,406.28
xxx Pension £2,845.83
This gives a total of £17,720.85 which does not meet the financial requirement of
£18,600
Additional I am unable to link the deposits shown on the provided Bank statements to the
Pension evidence provided."
I appreciate the payments are unclear in the bank statements, as it's only numbers and letters that probably mean nothing to Home office, BUT they didn't consider my savings of £25.000 plus a property rental for £290 per month. (we did provide evidence of this).
The question is, what to do next. I have read a new application is the best way, but I'm unsure about which documents I must provide. A letter from every company I get a pension from? Should I highlight my bank statements so they know which payment corresponds to a pension payment?
They mentioned the letters provided are old, and I suppose they are right. We did this through a solicitor, so we trusted everything was in order. I am unsure as well about applying again with the same professional, since if he didn't know how to make a successful application before, why would he know now?
Solicitors don't seem to be familiar with pensions as a proof of income. I have been searching all over the forum and I couldn't find anyone in a similar situation.
I would appreciate your advise on this, since I must go back to the Uk ASAP and don't want to leave my wife behind.
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