I am a programmer and an employee with a good pay. I was refused a UK standard 6-month visitor visa in January 2018 due to lack of evidence for the funds in my salary account and savings account, and also lack of evidence of my Late dad's inheritance (4,950.30 British Pound was paid into my savings account from the sale of one of my dad's properties).

I earn 514.79 British Pound from my employer..

And I intend to spend 1,100 British Pound for my trip. Accommodation and food will be provided by my British uncle.

I currently have 3,266.55 British Pound in my salary account.

Aside from my job, I develop web applications for my clients and they pay into my salary account, which was stated in my application. I intend to reapply with all invoices of payment and a snapshot of what I designed / developed for each client. My personal company is not registered. I hope this is not an issue.

Secondly, I'm having issues drafting a good cover letter for my application. I would like to understand what role a cover letter plays in the application process. Can a good cover letter help with my future applications?

@Traveller Please find the refusal letter as requested.

** To prove my inheritance: ** I will submit the following documents (1) My dads death cert. (2) MOU of the sells of one of his properties (3) Letter from one of my brother that also benefitted.

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  • 6
    As I said in your previous questions, you can state where payments come from all you wish, but without evidence you aren't going to get very far. A cover letter, no matter how well crafted, isn't going to replace evidence here.
    – user29788
    Commented Apr 6, 2018 at 0:37
  • Thnks for your response @moo I have invoice of payment, do you think that wont help.
    – olowogbo
    Commented Apr 6, 2018 at 0:54
  • In all of your questions, you state that you dont have invoices or receipts for all payments into your account - so which is it?
    – user29788
    Commented Apr 6, 2018 at 0:56
  • I dont have invoices for lil payments like 9000 Naira (17.89 British Pound) and they are about 5 payments
    – olowogbo
    Commented Apr 6, 2018 at 0:58
  • @olowogbo You’ve already had one refusal for lack of evidence. If you reapply and the missing invoices are for one or two very small amounts the ECO may accept the situation, but more likely not in view of the previous refusal. A second refusal will make your situation worse and further decrease your chances of any visa in future. Why are you so desperate to go to the UK right now? It would be much better to wait until you can demonstrate a clean financial history before reapplying.
    – Traveller
    Commented Apr 6, 2018 at 6:08

1 Answer 1


It is better if an application stacks up by itself without the need for a covering letter - there is space in the application to provide further information, try to utilise just this if you can. If you really feel a cover letter is essential, I would a) limit it to max 1 page; b) use bullet points; c) focus on clarifying the previous refusal reasons. You could use a cover letter to explain your uncle’s situation, however, in my opinion, without evidence to show he can provide the promised accommodation and food your application is very likely to be refused. Taking into account that Nigeria is considered a high risk country by the U.K. if I were you I would postpone my application until I could meet the criteria in my own right.

  • I stated I will stay with him in my previous application. Is it right to book a hotel in my next application? He was interviewed by the Home Office and was also acknowledged, Staying with him was not a concern in the refusal letter.
    – olowogbo
    Commented Apr 10, 2018 at 14:09
  • @olowogbo Ok, well looks like that shouldn’t be a problem then. Why book a hotel (which anyway isn’t a pre requisite for a U.K. visa) when you plan to stay with your uncle? Can you show you can reasonably afford UK hotel costs? I fear you’re over-complicating this - address the reason for the original refusal as a priority and keep the rest of your application as simple and clear as possible, ensuring that you’ve covered off each aspect of the requirements in the light of your specific situation. I’m not sure ‘acknowledged’ means ‘accepted’, particularly as they had another reason to refuse.
    – Traveller
    Commented Apr 10, 2018 at 14:22
  • Now I am scared. Can I paste the refusal letter here for your review?
    – olowogbo
    Commented Apr 10, 2018 at 14:25
  • 1
    @olowogbo Yes, please post the refusal with personal details redacted (probably should have done that when you first posted your question).
    – Traveller
    Commented Apr 10, 2018 at 14:29
  • Please find the refusal letter as requested. I await your review
    – olowogbo
    Commented Apr 10, 2018 at 15:31

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