SPOUSE VISA DOCUMENTS HELP

[Fahsin]

Hi i was wondering if anybody could help me with some aspects of the documentation i need to provide for my wife .
Ill give a background to my marriage. I got married Febuary of this year, it was a arrangened marriage but we are very much in love. She is currently in bangladesh working. I was born in the UK so i have to meet requirements set for a spouse visa.
I am currently working as a manager in the family business and i am earning currently over the required amount. All the other documentation required such as council tax, utillity bills etc are fine.
The one thing i am worried about is my bank statements, will they ask about my savings accounts and other accounts as there are irregular large payments which i don't want to show as i am recieving an amount each week on the profit the business does and will be difficult to explain. my current account is where my main payments from work goes in weekly, but there isnt a substantial amount of money in that account as i pay for all my bills with this account. can anyone help and tell me how i can get around this? As i can transfer enough easily but will be hard to explain the savings account situation. Could someone else like a friend member transfer an amount into my current account and show it as a loan repayment, or selling my car money or a gift? what can i do?
Also in regards to supporting documentation i will be providing skype screenshots of call logs, also we have been on two holidays since being married so can provide the flight information and pictures. i really need her visa to go through so dont want any mishaps with it as i miss my wife dearly i havent submitted the application as of yet but it is completed. There is a section at the end saying is there any other information i wish to add for them to take into consideration, what should i put in this section please? ive also read i should submit a SU07/12 form or they will ask for it? is that correct?
If anyone can help me with this will be so greatly appreciated as i have never done this before

[shakoorh]

Regarding the bank issue, just provide them with current account details and statements and you will be fine inshaallah.

You don't need to have any savings if you meet the financial requirements over the previous 6 months.

[Fahsin]

Regarding the bank issue, just provide them with current account details and statements and you will be fine inshaallah.

You don't need to have any savings if you meet the financial requirements over the previous 6 months.

my current account shows transfers to another one of my accounts will they ask for a copy of them statements also??

[shakoorh]

Regarding the bank issue, just provide them with current account details and statements and you will be fine inshaallah.

You don't need to have any savings if you meet the financial requirements over the previous 6 months.

my current account shows transfers to another one of my accounts will they ask for a copy of them statements also??

Depends on how big the transfers are, you might have to write a letter explaining why you're moving the money.

[Bucki]

As speaking about BANKS!

Right, the documents for banks:

- 6 month bank statement
- letter from bank showing my details, the amount in the bank and when it was created?

Issue:

I got an ISA account with like £11K
which I been saving from any money I received, paid, cash, student loan etc.

shall I not declare the 11K at all??
cos they might want to know where I got them from??

the new job I am at now, started from March.
Before this, I worked for Next Warehouse for like 3 months (do no not have the payslis tho')

I was at Uni from 2011 till May 2014

[Fahsin]

Regarding the bank issue, just provide them with current account details and statements and you will be fine inshaallah.

You don't need to have any savings if you meet the financial requirements over the previous 6 months.

my current account shows transfers to another one of my accounts will they ask for a copy of them statements also??

Depends on how big the transfers are, you might have to write a letter explaining why you're moving the money.

The money is from the profit from what the business makes, this is in my savings account, my salary goes into my current account. I don't want to declare my savings account as I am currently on the books as a manager but I do receive profit bonuses as part of my job off the books.

[Casa]

If you mean you are receiving money that isn't declared for tax to the HMRC then you should be aware that stringent checks are now being made on undeclared income when a visa application is submitted. How does the company show where this money goes? Bear in mind that all Government departments share information and the UKVI have access to HMRC records. When you submit a visa application you give permission for the Case Worker to cross check bank/savings records with HMRC. It's very easy to follow an electronic trail. Checks are even more likely to be made as you are employed in a family business.
Regarding 'selling' your car...believe me the ECOs are aware of all the tricks. When my husband and I were re-locating from Spain some years ago (and it's got far tougher since then) we had genuinely sold our car and deposited the cash in our joint bank account. We were then asked to provide documented proof of the sale from the Spanish equivalent of the DVLA before they would grant the spouse visa. Luckily we could. Cash 'Gifts' or 'returned loans' from friends and family have to be justified and held in the bank account for a minimum of 6 months. A substantial loan would have to be traceable...i.e evidence of when you withdrew or transferred the money from your account, who you paid it to and how.
You've been advised correctly that if you are earning the £18,600 threshold you don't need savings, but hiding 'black' money is a recipe for disaster.

[Fahsin]

If you mean you are receiving money that isn't declared for tax to the HMRC then you should be aware that stringent checks are now being made on undeclared income when a visa application is submitted. How does the company show where this money goes? Bear in mind that all Government departments share information and the UKVI have access to HMRC records. When you submit a visa application you give permission for the Case Worker to cross check bank/savings records with HMRC. It's very easy to follow an electronic trail. Checks are even more likely to be made as you are employed in a family business.
Regarding 'selling' your car...believe me the ECOs are aware of all the tricks. When my husband and I were re-locating from Spain some years ago (and it's got far tougher since then) we had genuinely sold our car and deposited the cash in our joint bank account. We were then asked to provide documented proof of the sale from the Spanish equivalent of the DVLA before they would grant the spouse visa. Luckily we could. Cash 'Gifts' or 'returned loans' from friends and family have to be justified and held in the bank account for a minimum of 6 months. A substantial loan would have to be traceable...i.e evidence of when you withdrew or transferred the money from your account, who you paid it to and how.
You've been advised correctly that if you are earning the £18,600 threshold you don't need savings, but hiding 'black' money is a recipe for disaster.

The savings account holds profit which is based on profit the business makes, the deposits are made cash. I am part owner of the business but it is still in my fathers name, hence the dilemma. The money is not moved electronically. Would it be better if I just show my current account Which my salary goes in? even though it doesn't have a substantial amount of money in. There is no link between my current account and savings account as I have never made transfers between them, I have however made transfers from my current account into another current account where some of my direct debits were going out of. Will I need to provide that statement of that account?

[Bucki]

As speaking about BANKS!

Right, the documents for banks:

- 6 month bank statement
- letter from bank showing my details, the amount in the bank and when it was created?

Issue:

I got an ISA account with like £11K
which I been saving from any money I received, paid, cash, student loan etc.

shall I not declare the 11K at all??
cos they might want to know where I got them from??

the new job I am at now, started from March.
Before this, I worked for Next Warehouse for like 3 months (do no not have the payslis tho')

I was at Uni from 2011 till May 2014

Any suggestions to my concerns ....

[noajthan]

As speaking about BANKS!

Right, the documents for banks:

- 6 month bank statement
- letter from bank showing my details, the amount in the bank and when it was created?

Issue:

I got an ISA account with like £11K
which I been saving from any money I received, paid, cash, student loan etc.

shall I not declare the 11K at all??
cos they might want to know where I got them from??

the new job I am at now, started from March.
Before this, I worked for Next Warehouse for like 3 months (do no not have the payslis tho')

I was at Uni from 2011 till May 2014

Any suggestions to my concerns ....

If you or your immediuate family members are on a journey to eventual British citizenship be a good citizen;
get everything above board, transparent & in a position to pay all dues & taxes in a legitimate fashion.

Any other approach is storing up trouble for you and your family; this is due to the stringent background crosschecks, audits & verifications utilised by HO at every step of the way as they build up a picture of 'good character'.

[Bucki]

If you or your immediuate family members are on a journey to eventual British citizenship be a good citizen;
get everything above board, transparent & in a position to pay all dues & taxes in a legitimate fashion.

Any other approach is storing up trouble for you and your family; this is due to the stringent background crosschecks, audits & verifications utilised by HO at every step of the way as they build up a picture of 'good character'.

Honestly! I did not understand a word what you just said!!
What are you trying to say to me ... ????

I was a student from 2011 till 2014 and received student loan, yep!
and I am paying it now back each month being deducted from my wage.

I started warehouse for 3 month and then got the new job, where I am working now,
from March (permanent work) over £20K a year.

My question was related to my bank statement.

- Shall Incluse 6 month statement only or 7 month or more?
- If I do more, am I supposed to provide evidence for the other previous income!?

also, according to Appendix FM-SE page 2 Bank Letter or Balance certificate
"showing account balance, the account holders name and the date when the account was opened"

I asked my bank about such a document and they turned around saying "we do not provide such doc"

My country asking me for "certificate of the residence" again, asked council / registrar office; and
keep getting same reply "there is no such document" < what is wrong with this country!!!

[Casa]

If you or your immediuate family members are on a journey to eventual British citizenship be a good citizen;
get everything above board, transparent & in a position to pay all dues & taxes in a legitimate fashion.

Any other approach is storing up trouble for you and your family; this is due to the stringent background crosschecks, audits & verifications utilised by HO at every step of the way as they build up a picture of 'good character'.

Honestly! I did not understand a word what you just said!!
What are you trying to say to me ... ????

I was a student from 2011 till 2014 and received student loan, yep!
and I am paying it now back each month being deducted from my wage.

I started warehouse for 3 month and then got the new job, where I am working now,
from March (permanent work) over £20K a year.

My question was related to my bank statement.

- Shall Incluse 6 month statement only or 7 month or more?
- If I do more, am I supposed to provide evidence for the other previous income!?

also, according to Appendix FM-SE page 2 Bank Letter or Balance certificate
"showing account balance, the account holders name and the date when the account was opened"

I asked my bank about such a document and they turned around saying "we do not provide such doc"

My country asking me for "certificate of the residence" again, asked council / registrar office; and
keep getting same reply "there is no such document" < what is wrong with this country!!!

The response you received and the confusion its caused you, is probably due to the fact that by posting with your own query in the middle of another member's post, means that you've received a reply relating to their situation. A lesson to be learned...best to stick to your own thread

[noajthan]

If you or your immediate family members are on a journey to eventual British citizenship be a good citizen;
get everything above board, transparent & in a position to pay all dues & taxes in a legitimate fashion.

Any other approach is storing up trouble for you and your family; this is due to the stringent background crosschecks, audits & verifications utilised by HO at every step of the way as they build up a picture of 'good character'.

Honestly! I did not understand a word what you just said!!
What are you trying to say to me ... ????

...

My question was related to my bank statement.

...

My country asking me for "certificate of the residence" again, asked council / registrar office; and
keep getting same reply "there is no such document" < what is wrong with this country!!!

My response was actually for 'fahsin' not to you.

It appears you joined this thread in mid-flow & I didn't see the name change.
So, as you were.

(And I don't know what is wrong with our country either).

[shakoorh]

@Fahsin - might be easier if you list an example couple of months. E.g how much came in and out of your account? Does the money transfer to the other account every month?

@Bucki - you don't need to prove previous income as long as the last six months is over the financial requirements. You won't need to show your isa account. Regarding the "country of residence" issue, that is normally just a passport photocopy you've got attested by a lawyer (in UK) or a passport and national ID card copy (for your spouse abroad).

[Bucki]

@Bucki - you don't need to prove previous income as long as the last six months is over the financial requirements. You won't need to show your isa account. Regarding the "country of residence" issue, that is normally just a passport photocopy you've got attested by a lawyer (in UK) or a passport and national ID card copy (for your spouse abroad).

Sorry guys that I joined in but I thought maybe it is better instead of opening a new threat
for every single question I have .... hmm!

@Shakoorh

as an end result I went to my solicitor and got a "statutory declaration" signed and stamped from him, also payed another £30 to get it legalised from UK Government; got a stamp on it and it says "not to be used in UK" !

Ironically enough, my silly country is not considering this document at all!
So, my idea was to attach this with the visa application ... instead of wasting it; cost me over £100.

The statutory declaration is a summary who I am, where I live, who I got married with, when what date and where, also that I have dual citizenship and got married back home with my country Passport instead of UK.

Some say; it does not really matter with which passport you use to get married but apparently back home, if they knew that I am British; they wouldn't allow me to get married with the my country Passport / Nationality but with UK Pass only!

Is a bit messy at the moment ... just hope it will go well and UKVI not being picky on that one!

[Casa]

@Bucki - you don't need to prove previous income as long as the last six months is over the financial requirements. You won't need to show your isa account. Regarding the "country of residence" issue, that is normally just a passport photocopy you've got attested by a lawyer (in UK) or a passport and national ID card copy (for your spouse abroad).

Sorry guys that I joined in but I thought maybe it is better instead of opening a new threat
for every single question I have .... hmm!

@Shakoorh

as an end result I went to my solicitor and got a "statutory declaration" signed and stamped from him, also payed another £30 to get it legalised from UK Government; got a stamp on it and it says "not to be used in UK" !

Ironically enough, my silly country is not considering this document at all!
So, my idea was to attach this with the visa application ... instead of wasting it; cost me over £100.

The statutory declaration is a summary who I am, where I live, who I got married with, when what date and where, also that I have dual citizenship and got married back home with my country Passport instead of UK.

Some say; it does not really matter with which passport you get married but apparently back home, if they knew I am british; they would not have let me got married with the my country Passport / Nationality.

Is a bit messy at the moment ... just hope it will go well and UKVI not being picky on that one!

@Bucky Instead of posting in other members' threads, which simply becomes confusing for everyone and unfair to the OP when their situation gets sidelined...please continue to post in your own single thread, with questions related to your application.