Can anyone provide my the sample cover letter or can assist my what and how to write cover letter?
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A cover letter likely won’t help - you should only reapply immediately if you can fully address all the refusal points. You need to provide evidence of the source of the money in the account you hold with your mother, and demonstrate where your salary goes to eg relevant bank statements. If you can’t do this now, you’d probably be better to wait at least 6-9 months before reapplying, in the meantime start paying in your salary regularly so the ECO can tie up your stated income with the supporting documents.
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