NewStats: 3,262,709 , 8,177,918 topics. Date: Tuesday, 03 June 2025 at 10:46 AM 1y773

Somebody pls help answer this. Thanks

plero:
Hello everyone,
I am applying for standard visitor visa.
Pls I did like to know which is better to pay for the visa application; GT webapp(does this work?) or through GT bank?

Can I include my co-operative details while registration particularly for ing doc. What is the need for cover need letter, in what format am I going to attach it to the ing doc?

Will appreciate response especially from those that have experience doing this. Thanks

giselle237:

I can assure you that those two individuals did not successfully obtain a visit visa after their 10-year ban. It’s extremely rare for such exceptions to occur, and I find it hard to believe they managed to do so. For instance, a lady I know attempted to gain entry here after a similar ban and had to apply four times. After each refusal, she submitted a Pre-Action Protocol (PAP) and engaged in a debate with the authorities. Ultimately, it was the PAP that made a difference, not just the visa application itself.
One important thing she did/does is use her 3 children for home ties. Her children have not been able to obtain UK visas- just herself and the authorities are more comfortable that she can not abandon 3 of them.

When it comes to the skilled worker visa, the process is points-based, and applicants must meet specific criteria outlined in Tier 1 and other categories. Same with student visa. Given that the points system is rigid, it wouldn’t make sense for someone who has served a 10-year ban to be denied solely based on their history if they meet the necessary points threshold. The same principle applies to family visas for British citizens.

In cases that rely heavily on the Entry Clearance Officer's (ECO) discretion like visitor visa, there’s a 99.9% chance of continuous denial after a 10-year ban period. They instantly refuse to trust you because of the deception you employed in the past. This is consistent and even the immigration solicitors here in the UK will let you know this before you embark on the mission

My mom got her 6 months visitor visa today, she had a 10year ban in 2011, after the ban expired in 2021 she applied for a visit visa but was refused, as well as 2022, in 2023 applied again twice and was refused and this is the fifth application since the 10year ban expired and was later granted 6mths visitor visa today… I did this fifth application myself, but this time I sponsored her but still submitted her bank statement of 6million Naira and my Uk statement of £12k+, all I can say is God is great!!!

Yes it is, assuming you haven't received a refusal email. Congratulations!

afehin71:


Hello, just received the below email from VAC, is this an approval?

Visa alert!

5-year tourist visa.

Biometrics date: 5th of Feb
Decision date: 18th of Feb
Collection date: 19th of Feb

Previous visas - 6 month UK visa used once.

My advice > whenever anything is not clear, over explain. Best case is to have clean statements, but even if it's not, as long as the transactions in your are genuine and you can clearly explain the pattern of activity (backed up with evidence upon evidence), you will be fine.

Visa officers are reasonable people, just make clear, evidence backed claims to give them enough to work with.

Big congratulations! I just recently secured a 6-month visa myself and was wondering if I could go from a 6-month visa to a 5-year tourist visa without applying for a 2-year visa first. So you can actually apply for a 5-year tourist visa without first of all applying for a 2-year tourist visa? Did you submit bank statements for the most recent three- or six-month period?

Ithaca:
Visa alert!

5-year tourist visa.

Biometrics date: 5th of Feb
Decision date: 18th of Feb
Collection date: 19th of Feb

Previous visas - 6 month UK visa used once.

My advice > whenever anything is not clear, over explain. Best case is to have clean statements, but even if it's not, as long as the transactions in your are genuine and you can clearly explain the pattern of activity (backed up with evidence upon evidence), you will be fine.

Visa officers are reasonable people, just make clear, evidence backed claims to give them enough to work with.

Ithaca:
Visa alert!

5-year tourist visa.

Biometrics date: 5th of Feb
Decision date: 18th of Feb
Collection date: 19th of Feb

Previous visas - 6 month UK visa used once.

My advice > whenever anything is not clear, over explain. Best case is to have clean statements, but even if it's not, as long as the transactions in your are genuine and you can clearly explain the pattern of activity (backed up with evidence upon evidence), you will be fine.

Visa officers are reasonable people, just make clear, evidence backed claims to give them enough to work with.

Congratulations

Hi, why don't you get a USD debit card from GTBank to pay the visa fee?

plero:
Somebody pls help answer this. Thanks

b31164707:
Big congratulations! I just recently secured a 6-month visa myself and was wondering if I could go from a 6-month visa to a 5-year tourist visa without applying for a 2-year visa first. So you can actually apply for a 5-year tourist visa without first of all applying for a 2-year tourist visa? Did you submit bank statements for the most recent three- or six-month period?

Yes, you can > I just made the argument that i intend to be travelling more frequently going forward (for exploration and to see family) and want to avoid the hassle of having to renew frequently.

I submitted bank statements for 4 months (wanted to submit for 3 but needed to show salary increase in the 4th month).

Other documents submitted included:
Employment and salary review letters
Payslips
Proof of investments (mutual funds, shares, eurobonds, crypto)
Pension statement and TCC
Certificate of medical coverage from employer provided insurance coy
Cover letter explaining significant credits/debits in my and pattern of operation (conversion to/from USD, transfers out to investment etc)
Detailed ing evidence for significant transactions (e.g. for large purchases i added receipts, for credits related to reimbursement of work expenses i included source receipts, screenshot of approval of the expense from the expense app, remittance advice note from employer all for the same amount etc >> I told visa officer in the cover letter that i would only provide this detailed paper trail for a sample of the significant credits/debits, not all transactions, which was deemed fair enough)
Pictures of myself, my parents, my younger ones for home ties
Pictures with and details of relatives in the UK

Fair enough.

Ithaca:


Yes, you can > I just made the argument that i intend to be travelling more frequently going forward (for exploration and to see family) and want to avoid the hassle of having to renew frequently.

I submitted bank statements for 4 months (wanted to submit for 3 but needed to show salary increase in the 4th month).

Other documents submitted included:
Employment and salary review letters
Payslips
Proof of investments (mutual funds, shares, eurobonds, crypto)
Pension statement and TCC
Certificate of medical coverage from employer provided insurance coy
Cover letter explaining significant credits/debits in my and pattern of operation (conversion to/from USD, transfers out to investment etc)
Detailed ing evidence for significant transactions (e.g. for large purchases i added receipts, for credits related to reimbursement of work expenses i included source receipts, screenshot of approval of the expense from the expense app, remittance advice note from employer all for the same amount etc >> I told visa officer in the cover letter that i would only provide this detailed paper trail for a sample of the significant credits/debits, not all transactions, which was deemed fair enough)
Pictures of myself, my parents, my younger ones for home ties
Pictures with and details of relatives in the UK

plero:
Somebody pls help answer this. Thanks

. Use a dollar card to pay for your visa application or someone over there can pay for but in Nigeria I use zenith dollar. If your cooperative have enough funds to sustain your visit period you can use it. For your cover letter make sure you explain understandably your reason to for travel and explain it important that you are coming to your country. it in PDF

kentdealer:
Hello house, please I'm filling my application now and there is place they said other source of income. I have a mutual fund . Can I include it or just leave it. Thank you

Yes, you can include your mutual fund under “Other Source of Income” if You regularly receive income from it.

Jeo1334:
Yes, you can include your mutual fund under “Other Source of Income” if You regularly receive income from it.

It can also be used as part of your savings.

I am currently a bit confused about the process as this is my first time applying. I am self-employed, and although my business was ed with the CAC in 2020, operations didn’t commence until June last year. Since then, I have been paying myself a salary regularly into my personal . However, I am unable to obtain a tax clearance certificate at the moment.

I am not planning to use my business for the application. Instead, I intend to rely on my personal and investment certificates to my financial claims. To further validate my income or tax payments, would providing a payslip suffice in this case?

Thank you for your guidance.

Good morning, Just got a refusal, I stated 10days visit and also I submitted 2 s, one is salary act and the other is savings/business , buying and selling is from this which was stated in my cover letter but one of the reason i was refused was a debit of 1M which i used to buy what am selling. The spending I stated was from my salary . Please I need advice

REASONS FOR REFUSAL NRA v 1.0
You have applied for a visa to visit the UK.
In deciding whether you meet the requirements of Appendix V: of the Immigration Rules for
visitors (https://www.gov.uk/guidance/immigration-rules/immigration-rules-appendix-v-visitor-
rules), I have considered:
• your application
• your immigration history
The decision
I have refused your application for a visit visa because I am not satisfied that you meet the
requirements of paragraph(s) V4.2 to V4.6 of Appendix V: Immigration Rules for Visitors
because:
• You state you are travelling to the UK for 9 days for tourism and visiting friends.
• You state you are employed earning 339542.00 NGN (178.37 GBP) each month. you state
you spend 120000.00 NGN (63.04 GBP) each month. In of your application, you
have provided a bank statement for ending in 5716. I note a debit of 1000000
NGN (525.33 GBP) on 03/12/2024. This single debit is significantly higher than your total
stated monthly expenditure. In the absence of further information, I am not satisfied that
you have provided a true reflection of your circumstances in your home country. This
damages the credibility of your application.
• Additionally, you state you will be staying with a friend at her accommodation for the
duration of your visit. I acknowledge the letter of invitation and photographs you have
provided in of this. However, I note this does not demonstrate the stated
relationship you have with your sponsor. You have not demonstrated that you have
regularly kept in touch and have subsisting relationship. As such, I am not satisfied you
have a genuine personal relationship with your sponsor, and they will provide the stated
during your visit. This also damages the credibility of your application leading me
to doubt your intentions to travel are as stated.
• The factors mentioned above have not been taken in isolation but considered collectively.
They damage the overall credibility of your application, leading me to doubt your intentions
in seeking to visit the UK for the limited period and purpose stated. From the information
on your application form and the documents you have submitted, I am not satisfied that
you intend to leave the United Kingdom or that you are genuinely seeking entry as a visitor.
Your application is therefore refused under paragraph V4.2 (a) and (c) of the Immigration
Rules.
• Additionally, I am not satisfied that you have a genuine professional or personal
relationship with your sponsor. Furthermore, I am not satisfied that they can and will
provide you with for the intended duration of your stay. Your application is
therefore refused under paragraph V 4.3 (a) and (c) of the Immigration Rules.
• Rate of exchange 1 GBP = 1901.78 NGN (as on www.oanda.com 19/02/202

Sorry about the refusal, it's something some of us ed through before our visas were eventually approved. The refusal reasons are clearly states in the letter, make corrections and reapply again.

1. Re-apply and make explanations on that ₦1m debit, and provide evidences that it's actually for a purchase for something you sell, the receipt for the purchase that clearly states the amount and date which corresponds to the date of that debit in your statements.

2. screenshots of your chat history with that friend who wants to accommodate you in the UK, start from the beginning of your chats with her/him and make sure the dates of the chat shows in those screenshots, screenshot of call histories to him/her also should help. Make sure this is also stated and clearly explained in your cover letter.

That's all I have for now.

Okots:
Good morning, Just got a refusal, I stated 10days visit and also I submitted 2 s, one is salary act and the other is savings/business , buying and selling is from this which was stated in my cover letter but one of the reason i was refused was a debit of 1M which i used to buy what am selling. The spending I stated was from my salary . Please I need advice

REASONS FOR REFUSAL NRA v 1.0
You have applied for a visa to visit the UK.
In deciding whether you meet the requirements of Appendix V: of the Immigration Rules for
visitors (https://www.gov.uk/guidance/immigration-rules/immigration-rules-appendix-v-visitor-
rules), I have considered:
• your application
• your immigration history
The decision
I have refused your application for a visit visa because I am not satisfied that you meet the
requirements of paragraph(s) V4.2 to V4.6 of Appendix V: Immigration Rules for Visitors
because:
• You state you are travelling to the UK for 9 days for tourism and visiting friends.
• You state you are employed earning 339542.00 NGN (178.37 GBP) each month. you state
you spend 120000.00 NGN (63.04 GBP) each month. In of your application, you
have provided a bank statement for ending in 5716. I note a debit of 1000000
NGN (525.33 GBP) on 03/12/2024. This single debit is significantly higher than your total
stated monthly expenditure. In the absence of further information, I am not satisfied that
you have provided a true reflection of your circumstances in your home country. This
damages the credibility of your application.
• Additionally, you state you will be staying with a friend at her accommodation for the
duration of your visit. I acknowledge the letter of invitation and photographs you have
provided in of this. However, I note this does not demonstrate the stated
relationship you have with your sponsor. You have not demonstrated that you have
regularly kept in touch and have subsisting relationship. As such, I am not satisfied you
have a genuine personal relationship with your sponsor, and they will provide the stated
during your visit. This also damages the credibility of your application leading me
to doubt your intentions to travel are as stated.
• The factors mentioned above have not been taken in isolation but considered collectively.
They damage the overall credibility of your application, leading me to doubt your intentions
in seeking to visit the UK for the limited period and purpose stated. From the information
on your application form and the documents you have submitted, I am not satisfied that
you intend to leave the United Kingdom or that you are genuinely seeking entry as a visitor.
Your application is therefore refused under paragraph V4.2 (a) and (c) of the Immigration
Rules.
• Additionally, I am not satisfied that you have a genuine professional or personal
relationship with your sponsor. Furthermore, I am not satisfied that they can and will
provide you with for the intended duration of your stay. Your application is
therefore refused under paragraph V 4.3 (a) and (c) of the Immigration Rules.
• Rate of exchange 1 GBP = 1901.78 NGN (as on www.oanda.com 19/02/202

Why are you weird?
You never use the 6 months visa yet, you are talking about 5 years?
What do you want a 5 year visit visa for when you not a grandma going to the UK every year to spend holiday? Lol

You just got 6 months, there are other countries you can visit. Ah abeg.
You are asking someone who got a 5 year visa if he or she submitted a 3 or 6 months bank statement? Does that sound right for someone who claimed they just got their visa too?
If they gave you 6 months visa with your 3 months statement and explanation as you claimed then use it again for the 5 years when time comes..
It worked for you so why do you need someone else info to know what to do? Nawa oo

b31164707:
Big congratulations! I just recently secured a 6-month visa myself and was wondering if I could go from a 6-month visa to a 5-year tourist visa without applying for a 2-year visa first. So you can actually apply for a 5-year tourist visa without first of all applying for a 2-year tourist visa? Did you submit bank statements for the most recent three- or six-month period?

Good day, I want to apply for visiting visa (ist time). My husband intends to sponsor my trip with 1.8mn. Is it advisable he puts the money in my clearly stating the narration before printing my statement or on the application I should just note I've a sponsor and mention how much he will be sponsoring me with.
If he puts the money in my , should I still mention I've a sponsor on the application?
Thanks

Thanks for the advice, but I have other big sum withdrawals too, should I explain all?
@sanyaolurilwan

I'm not weird, so calm down! It was just a question o.

Jolene474:
Why are you weird?
You never use the 6 months visa yet, you are talking about 5 years?
What do you want a 5 year visit visa for when you not a grandma going to the UK every year to spend holiday? Lol

You just got 6 months, there are other countries you can visit. Ah abeg.
You are asking someone who got a 5 year visa if he or she submitted a 3 or 6 months bank statement? Does that sound right for someone who claimed they just got their visa too?
If they gave you 6 months visa with your 3 months statement and explanation as you claimed then use it again for the 5 years when time comes..
It worked for you so why do you need someone else info to know what to do? Nawa oo

b31164707:
I'm not weird, so calm down! It was just a question o.

b31164707 post=134220111 :
I'm not weird, so calm down! It was just a question o.

Good day Gurus in the house, pls how soon can I reapply to address the reasons for refusal?

REASONS FOR REFUSAL NRA v 1.0
You have applied for a visa to visit the UK.
In deciding whether you meet the requirements of Appendix V: of the Immigration Rules for
visitors (https://www.gov.uk/guidance/immigration-rules/immigration-rules-appendix-v-visitor-
rules), I have considered:
• your application
• your immigration history
The decision
I have refused your application for a visit visa because I am not satisfied that you meet the
requirements of paragraph(s) V4.2 to V4.6 of Appendix V: Immigration Rules for Visitors
because:
• You state you are travelling to the UK for 9 days for tourism and visiting friends.
• You state you are employed earning 339542.00 NGN (178.37 GBP) each month. you state
you spend 120000.00 NGN (63.04 GBP) each month. In of your application, you
have provided a bank statement for ending in 5716. I note a debit of 1000000
NGN (525.33 GBP) on 03/12/2024. This single debit is significantly higher than your total
stated monthly expenditure. In the absence of further information, I am not satisfied that
you have provided a true reflection of your circumstances in your home country. This
damages the credibility of your application.
• Additionally, you state you will be staying with a friend at her accommodation for the
duration of your visit. I acknowledge the letter of invitation and photographs you have
provided in of this. However, I note this does not demonstrate the stated
relationship you have with your sponsor. You have not demonstrated that you have
regularly kept in touch and have subsisting relationship. As such, I am not satisfied you
have a genuine personal relationship with your sponsor, and they will provide the stated
during your visit. This also damages the credibility of your application leading me
to doubt your intentions to travel are as stated.
• The factors mentioned above have not been taken in isolation but considered collectively.
They damage the overall credibility of your application, leading me to doubt your intentions
in seeking to visit the UK for the limited period and purpose stated. From the information
on your application form and the documents you have submitted, I am not satisfied that
you intend to leave the United Kingdom or that you are genuinely seeking entry as a visitor.
Your application is therefore refused under paragraph V4.2 (a) and (c) of the Immigration
Rules.
• Additionally, I am not satisfied that you have a genuine professional or personal
relationship with your sponsor. Furthermore, I am not satisfied that they can and will
provide you with for the intended duration of your stay. Your application is
therefore refused under paragraph V 4.3 (a) and (c) of the Immigration Rules.
• Rate of exchange 1 GBP = 1901.78 NGN (as on www.oanda.com 19/02

Good morning and sincere apologies for this refusal. You should have averaged your expenses over the period covered in your salary statement, then reported this average amount as your stated monthly expenditure on the application form, then explained the debit of 1,000,000 Naira in your cover letter, since this amount significantly exceeds your monthly salary.
In addition to the letter of invitation from your friend and photographs, you should have also attached screenshots of WhatsApp chats with your friend who you're planning to stay with to prove you have a genuine relationship with your sponsor. If I were you, I wouldn't apply immediately, I'd wait till your application incorporates everything I've mentioned before re-applying in like 3 to 6 months from now. Good luck!

Okots:
Good day Gurus in the house, pls how soon can I reapply to address the reasons for refusal?

REASONS FOR REFUSAL NRA v 1.0
You have applied for a visa to visit the UK.
In deciding whether you meet the requirements of Appendix V: of the Immigration Rules for
visitors (https://www.gov.uk/guidance/immigration-rules/immigration-rules-appendix-v-visitor-
rules), I have considered:
• your application
• your immigration history
The decision
I have refused your application for a visit visa because I am not satisfied that you meet the
requirements of paragraph(s) V4.2 to V4.6 of Appendix V: Immigration Rules for Visitors
because:
• You state you are travelling to the UK for 9 days for tourism and visiting friends.
• You state you are employed earning 339542.00 NGN (178.37 GBP) each month. you state
you spend 120000.00 NGN (63.04 GBP) each month. In of your application, you
have provided a bank statement for ending in 5716. I note a debit of 1000000
NGN (525.33 GBP) on 03/12/2024. This single debit is significantly higher than your total
stated monthly expenditure. In the absence of further information, I am not satisfied that
you have provided a true reflection of your circumstances in your home country. This
damages the credibility of your application.
• Additionally, you state you will be staying with a friend at her accommodation for the
duration of your visit. I acknowledge the letter of invitation and photographs you have
provided in of this. However, I note this does not demonstrate the stated
relationship you have with your sponsor. You have not demonstrated that you have
regularly kept in touch and have subsisting relationship. As such, I am not satisfied you
have a genuine personal relationship with your sponsor, and they will provide the stated
during your visit. This also damages the credibility of your application leading me
to doubt your intentions to travel are as stated.
• The factors mentioned above have not been taken in isolation but considered collectively.
They damage the overall credibility of your application, leading me to doubt your intentions
in seeking to visit the UK for the limited period and purpose stated. From the information
on your application form and the documents you have submitted, I am not satisfied that
you intend to leave the United Kingdom or that you are genuinely seeking entry as a visitor.
Your application is therefore refused under paragraph V4.2 (a) and (c) of the Immigration
Rules.
• Additionally, I am not satisfied that you have a genuine professional or personal
relationship with your sponsor. Furthermore, I am not satisfied that they can and will
provide you with for the intended duration of your stay. Your application is
therefore refused under paragraph V 4.3 (a) and (c) of the Immigration Rules.
• Rate of exchange 1 GBP = 1901.78 NGN (as on www.oanda.com 19/02

@okots
Low salary- Your salary is 339k, and you have several large withdrawals. You claim your monthly expenses are 120k, leaving you with about 200k in disposable income. How can they close their eyes to this information to grant you the visa? It seems impossible, especially since the 120k you declared doesn’t match your actual spending, as indicated in your refusal letter and your previous comment.
The bane is your finances are struggling and you can not afford the travel. This is not about explaining 1m withdrawal only.

You'll have to explain all sir.

Between: which date did you do your biometrics?

Okots:
Thanks for the advice, but I have other big sum withdrawals too, should I explain all?
@sanyaolurilwan

@giselle237
I submitted two s, one is my Salary and the other is my savings/ business , the stated in the refusal is my savings/ business , i have large deposits and large withdrawals for buying and selling on this which was clearly stated in the cover letter, my salary doesn't have other deposits except my monthly payments.

[quote author=sanyaolurilwan post=134221486]You'll have to explain all sir.

Between: which date did you do your biometrics?

5th February

What were you buying and selling that resulted to large deposits and withdrawals shown in your savings/business and why couldn't you provide receipts to prove this?

Okots:
@giselle237
I submitted two s, one is my Salary and the other is my savings/ business , the stated in the refusal is my savings/ business , i have large deposits and large withdrawals for buying and selling on this which was clearly stated in the cover letter, my salary doesn't have other deposits except my monthly payments.

Okots:
@giselle237
I submitted two s, one is my Salary and the other is my savings/ business , the stated in the refusal is my savings/ business , i have large deposits and large withdrawals for buying and selling on this which was clearly stated in the cover letter, my salary doesn't have other deposits except my monthly payments.

Unfortunately been salaried and also self employed at same time are quite tricky for visa applications. If you want to be considered on both, I am unsure if you provided full documentation for both- providing business in isolation does not guarantee that this business automatically got considered as a source of income.
It is not about ‘saying’ something … it is about proofs…
What about this business did you prove?
ECO clearly spoke about only salary earning. Unfortunately I do not see how you want to reapply without doing your own homework first and arranging the economic circumstances you are presenting.

Hello everyone,

Has anyone used royal air maroc before, are they good, any bad experience?

Also, what quantity of luggage can they carry?

Thanks much. I appreciate

Jeo1334:
. Use a dollar card to pay for your visa application or someone over there can pay for but in Nigeria I use zenith dollar. If your cooperative have enough funds to sustain your visit period you can use it. For your cover letter make sure you explain understandably your reason to for travel and explain it important that you are coming to your country. it in PDF

I have read so many negative reviews of them, so I'd avoid them if I were you

Smartguru2:
Hello everyone,

Has anyone used royal air maroc before, are they good, any bad experience?

Also, what quantity of luggage can they carry?