Category D: Cash Savings refused!

[dthornton]

My wife and I submitted our application and 1 month later, to the exact day, we were sent an email saying that the amount of money we had said we had, did not match the documents they had received.

During the 6 months of holding the cash savings, my wife transferred money from one of her accounts to another of her accounts to make it ready for sending to England.

The case worker in Manila has decided to ignore the 12K that was transferred and refuse us the visa.

Is this fair? We had held the money for 6 months, it's just that a a portion of it had been transferred between my wife's accounts just before applying for the visa?

[Amber]

See 7.2.2. and 7.2.3. of Annex FM 1.7 (click)

If you showed the transfer and it met the above criteria then the decision was wrong. You should have supplied all the necessary evidence i.e. where the money went and whose name the account was in etc...

[dthornton]

Thanks for your reply.

I am not sure if the funds fall into those categories because they were not investments, they were basically cash being transferred from one account to another.

The passbooks for the accounts show that approximately £12K was taken from one account (in cash) on one day and then deposited into another account on the same day, along with some extra cash that was given from my wife's mother.

We are not expecting the extra cash to be included in the calculation because that has not been held for 6 months, but surely the 12K should be?

I have replied to the decision email asking them to check our application again, as it seems they have overlooked the transfer and just taken the account minimum over the last 6 months from the passbooks.

[Amber]

Thanks for your reply.

I am not sure if the funds fall into those categories because they were not investments, they were basically cash being transferred from one account to another.

The passbooks for the accounts show that approximately £12K was taken from one account (in cash) on one day and then deposited into another account on the same day, along with some extra cash that was given from my wife's mother.

We are not expecting the extra cash to be included in the calculation because that has not been held for 6 months, but surely the 12K should be?

I have replied to the decision email asking them to check our application again, as it seems they have overlooked the transfer and just taken the account minimum over the last 6 months from the passbooks.

Give reference to the above chapters and explain that as the funds were held in your wife's name during the last 6 months they should be included even though they were transferred to her other account.

[koyaai]

You just have to prove (by documents) that you were just moving the money to another account of the same person. Sometimes people tend to be so lazy with checking those things out unless pointed out.

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