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Hello and thank you for your question. It will probably be a factor that is counted against you on a refusal- the omission of bank statements- as it could be said that without the statements the full picture of your expenses has not been revealed. What is necessary in terms of adequate maintenance is to be determined at the date of the Entry clearance officer's decision (even if you appeal against it to a tribunal thereafter). It is important that at that date, you can show that relative to a family on income support (couple of 18 with child plus family premium), your income net of any rent/ mortgage, is greater. You ought to calculate this yourself, as the ECO may well get it wrong and if it can be explained to him based on the evidence, so much the better.
I hope this has been useful and wish you all the success in the applications. Please can I ask you to click accept so that the money you have paid does not all remain with the site. Many thanks
Thank you for your advice - I think my question is that on balance, would the application be stronger with concrete evidence of income and rent/council tax/utility and t on its own, but without overdrawn bank statements,, or with bank statements to reconcile income, but showing as overdrwan?
I think I can show that the disposable income can exceed the benefit test for family
by payslips, etc, and tenancy agreement with fixed council tax and utility bill components
I have heard that some applications have been refused as a result of submitting overdrawn bank statements, so that's why I wondered if it would be stronger to submit the evidence without the statements. Or whether omission of the statements would be a more serious problem.
Do you have a view on this? - If I click accept before you answer, I think I lose the chance to ask this follow-up question?
I have heard that some applications have been refused as a result of submitting overdrawn bank statements, so that's why I wondered if it would be stronger to submit the evidence without the statements. Or whether omission of the statements would be a more serious problem.., Thanks - hope you can clarify.
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