UK visit visa refusal: insufficient financial documentation

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You are self-employed and claimed a monthly after tax income of USD 2,500 from your own company. To support your claim you sent the company registration documents (that was fine) and the company bank statements (also fine). They replied that your documents were insufficient because they could not tie everything out and there was no evidence that the money was actually available to you. Self-employed applicants are more complex because they need to be sure that the income was lawfully gained and that the balances are actually available (i.e., corporate and personal taxes have been paid).

What they will want to see in this type of situation is...

  1. Company bank statements showing a regular dividend stream along with nominal salary payments into your personal account; and
  2. Personal bank statements that tie out to the dividend/salary streams; and
  3. The formation documents showing your ownership of the company; and
  4. Corporate and personal tax vouchers for the dividend/salary streams; and
  5. Evidence that your after tax earnings is actually USD 2,500 as claimed.

Sending these things will give them the needed level of comfort that your circumstances are as claimed and that said funds are both legal and actually available to you.

The importance of regular funds movement between the various accounts cannot be understated. Sometimes self-employed applicants in Nigeria and elsewhere avoid the rigmarole of dividends/salary and segregated bank accounts because the funds movements can create both corporate and personal tax liabilities. If this is the case with you, then you would need to undergo a period of compliance, say 6 - 12 months before having enough documentation to successfully apply again.

For the refusal specifics, they mentioned V 4.2 (a) & (c), suggesting that you were looking for a chance to go underground once you arrived in the UK, but they actually got you on V 4.2 (e)...

must have sufficient funds to cover all reasonable costs in relation to their visit without working or accessing public funds. This includes the cost of the return or onward journey, any costs relating to dependants, and the cost of planned activities such as private medical treatment.

This would indicate that if you clean up your company/personal situation, you have a chance to be successful. The refusal notice does not mention any other show-stoppers, but success cannot be guaranteed without seeing all of your other stuff.


Now please read all this and answer me what should we have to do further for next application.

  1. Most needed is to show a change of circumstances. You can examine the 5 items listed above and take the steps needed to bring them about. Usually 6 - 12 months of evidence should be sufficient, but of course you can apply any time, there is no required interval between successive applications. Patience is key.
  2. You also need to study the guidance about the other evidence that they want to see. The BHC in Kampala can be tough players sometimes and it's better to get everything spit-spot to avoid more refusals.
  3. Finally study the rules to cover yourself for any other grounds for refusal.

There is no right of appeal or right to administrative review.

Yes, the government believes, reasonably so, that tourism is not a human right; it's cheaper and more expedient to submit a fresh application (as long as the applicant's circumstances have significantly changed).

should we have to apply now through any solicitor or not.

It is not a requirement to use a solicitor, but I have it in mind that more applicants would be successful if they were to instruct a solicitor. The solicitor should be a member of the UK Law Society, avoid sham operators in Africa.

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