Please help with Fiance visa

[Row]

I am still hoping to get some advice for my fiance visa application.
I have read through much of advice and information on this site and all official sites. But I really desperate to sort out application. I am British Citizen currently working full time as a primary school teaching in London, salary is £24,000 pa. I am still in my overdraft from before January when I still doing my teacher training.
My overdraft is £1375, so I trying to find out if anyone else made an application in this situation, with more than addiquate salary and proving that each mouth I am spending within my means and that I getting out of it each month.
Please can offer some advice, really appreciate it,
[/b][/u]

[John]

If your question is .... does the existence of an overdraft stop the issuance of a fiancé visa? ..... the answer is simply no. Or rather it is not that simple at all. It merely needs to be clear that your fiancé will not need to claim certain Public Funds.

Is £24000 pa salary sufficient ? Totally impossible to say given that housing costs vary so considerably. Can you give some detail about that aspect?

And have you drawn up a monthly budget showing the amount left after outgoings such as housing costs, gas, electricity, water, Council tax, loan repayments etc.. What is the monthly amount left to buy food and for entertainment etc.?

[Row]

My fiance is a resident in Italy, is a work permit and has been there for four years, he is a citizen of Liberia, but he has been given two six month visitor visas and one one year visa to the UK from British Embassy in Rome.
My monthly salary works out £1400 per month.
My rent is £450 inclusive of bills not including electric, electric monthly is around £6.
I have done a monthly budget:
- loan repayment £95
- credit card repayment £80
- travel cost £53
- landline monthly £33
- mobile £30 pm
A lot of the rest

Flights to see fiance between £65 - £140
Telephone at least £70 on call cards.
That is at least £400 left for food, entertainment etc.
Hope that gives you more of an idea

[Row]

Please could a moderator reply,
I am really looking for some advice, ,my only other option is paying to see a solicitor.
Grateful for any suggestions.

[ilm]

It is not us you have to convince. You have to show the ECO that 'together you can support yourselves and any dependants without any help from public funds'.

Put yourself in the position of the ECO and make sure your application satifies the above statement. Obviously the more information the better so certainly detail your incoming salary and outgoings expenditure. An overdraft is not a problem especially if you are paying it off and you can justify why you have it. Your potental salary is as important as your current one as they will want to see that you will continue to earn. Don't forget that once married your husband will be able to earn so his potential earnings can be used as evidence. Also don't forget about the wedding, how is that going to be paid for; don't just ignore it and assume the ECO will forget about it.

As a teacher I am sure you can put the application together without the help of a solicitor. Its all about making sure there is enough information to satisfy the ECO you meet all the rules. If you are sure in your own mind you do there should be no problem as long as your application shows this.

[Row]

Thanks for that. Yep I am just waiting for another three months so I can prove I am paying off my overdraft. I was doing my teacher training until December last year, so was on a smaller salary. In January qualified and I do have annual increase in September so this is all evidence.

'an overdraft is not a problem especially if you are paying it off and you can justify why you have it. '

To justify it, would it be adequate to write my own letter explain that I was training doing my training for a year and before this completed a degree. Then continue to state my job status and salary.
How would I prove my salary raise?[/quote]

[Row]

Anyone got anymore advice? I still trying to work out what documents are needed.
Anyone who has experienced apply for Settlement fiance visa in Italy be great to hear from you.
Thanks in advance for any suggests or replies greatly appreciated.
Rowan

[Kayalami]

Anyone got anymore advice? I still trying to work out what documents are needed.
Anyone who has experienced apply for Settlement fiance visa in Italy be great to hear from you.
Thanks in advance for any suggests or replies greatly appreciated.
Rowan

with utmost respect your opening statement in your initial post states how much reading you've done on the official sites as well as this forum. If this is indeed the case you would have answers to more or less all your questions. I urge you to review the family forum in particular any sticky threads and note the detail in the level of documentation submitted and preparation thereof in settlement applications. I can tell you for a start that you don't seem to have considered the matter of proof that you can accomodate your self and your dependent without recourse to public funds i.e. the ECO wants to know where you will live, whether you have a legal right (and thus guarantee) to be in the property and if there is enough space for all those living in it such that there is no 'overcrowding'.

[Row]

I can tell you for a start that you don't seem to have considered the matter of proof that you can accomodate your self and your dependent without recourse to public funds i.e. the ECO wants to know where you will live, whether you have a legal right (and thus guarantee) to be in the property and if there is enough space for all those living in it such that there is no 'overcrowding'.

I am in the process of getting a my fiance name on the tenancy agreement and after that I am uncertain how I can prove that it is not overcrowded. Do I try and get a letter from Council? How do I get a survey?

[John]

It is not necessary to get her name on the tenancy agreement. Mere written confirmation that she is allowed to live there will suffice.

Prove not overcrowded? You can do that yourself. Include a sheet detailing how many rooms in the place, excluding any Spam, bathroom or toilet, exceed 50 square feet in size, and also how many people will be living there if the visa is granted, it will be proved. As regards the number of people, how many adults? And how many children? And the ages of those children?

Also include some pics of the place in the supporting evidence, to show that the place is not just about to fall down!

Much more information in this topic.