Hi everyone - look forward to your guidance and advice please. Bit of a conundrum at the moment. Very frustrating as this is a genuine case of my in-laws wanting to visit us to see their daughter after 2.5 year. Their entire life is in India and they have no intention (or need, touchwood) to stay longer in the UK and access public funds.
My in-laws recently made an application for a Visitor Visa (2 weeks ago) and got their rejection letter only last week. Main reason is Section 4.2 Appendix V - i.e. lack of sufficient funds predominantly.
Slightly complicated so please bear with me!
Just to give some context at the outset - they run their own successful business and take very little as 'salary' from the business account itself. They provided the company bank statements for last 6 months - however, the company account had been overdrawn for a few months. This isn't a red flag by any means -this is how they run the business for cash-flow reasons and in fact, the bank increased the Overdraft amount due to them being good customers for several years and running the business well. Besides this, they also provided company balance sheet, P&L statements and a letter from the Chartered Accountant signing and confirming authenticity.
They also showed personal account statements, albeit with not a lot of balance, but which included a transaction of 3 lakhs deposited in Nov (this was transferred from their business account into personal account, clearly shown on the business bank statement). In the application form, my FIL had put down that he needed £1000 for this trip and hence had made this transfer into his personal account.
I've tried to attach the rejection letter; apologies for the poor quality! If you can't read it, I'll copy and paste an extract of the content.
We're planning on applying again this week but with the following changes this time around, which we hope provides compelling new evidence.
- Have a detailed covering letter, clearly articulating all the queries raised from initial rejection.
- This includes highlighting the 3 lakhs coming in from business bank account to personal account in Nov, i.e. closing the loop on the 'source' of that deposit
- Clearly show why business account was over-drawn (i.e. nature of the business and for cash flow reasons; we're trying to get a letter from the bank manager stating that they've been excellent customers and the OD provision was as a result of that- hence not a negative!)
-Providing a translated version of property documents in India, showing firm ties in India
-MIL and FIL also have a Government Chit Fund that they've been depositing in; not sure if we can use this?
-Savings account in MILs parents' name with 7 lakhs (roughly £6k), who are more than happy to provide a signed letter stating these funds are for their daughter (MIL and FIL) to use...
In any case, we will be sponsoring all their costs, including food, accommodation, maintenance etc, here - I'm not expecting them to spend anything here at all.
Any advice will be much appreciated! I know no one's got a crystal ball to predict things, but if we were to furnish the above and apply again clearly ticking off rejection reasons + new evidence/explanation on the covering letter, do we stand a good chance this time around? Not keen on getting 2 rejections unnecessarily
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