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First of all let me add here that, payment by cheque in this type of situation is also helpful so that you could push your decision date towards end of leave date.ram80 wrote:
However, since you can apply for ILR 28 days before 15-Nov-2014, you will probably be able to send in a postal application on the last day or so and expect that they will process it within the 28 day window, thereby saving you thousands of pounds on re-extension.
I would not recommend overstaying even by single day because a) Yes, the 28 day rule explained is correct but this is the rule that is inplace nowadays but you never know when the rules gets changed and you find yourself in trouble b) Ask yourself a question, what benefits will you get by overstaying? IMHO you will only be saving money(which is not a bad thing btw) and nothing else. I would not recommend that. Your case is very simple you can easily go for ILR with current "visa". Search this forum and you will find ways.ram80 wrote:In my understanding (and I could be wrong), overstaying for 28 days is not legal, but it is routinely disregarded, which means that Home Office may not punish you for overstaying upto 28 days.
But since it is not legal, you cannot work during the period of overstay (since your visa is not valid) until your visa gets extended.