I'm new here (and to the rules) and apologise for any errors in posting or asking questions which may not fit. In any case please let me know of anything wrong.
I have read almost all the previous great answers on TSE, especially from Gayot Fow (RIP), regarding my situation i.e UK visa refused under V4.2 (a),(c) & (e). These answers helped me understand some flaws in my original application & I am almost ready with my second application (with about 6 pages of explainer cover letter & additional financial proofs). Questions below are asked particularly in context of my application(s) but may be generalised by others. I would also love your suggestions.
1. My refusal letter (from mid-september) only states -
“Any future UK visa applications you make will be considered on their individual merits, however you are likely to be refused unless the circumstances of your application change“
I saw other letters of refusal here mention
‘unless additional evidence is provided’
‘unless your circumstances change significantly’
Question Set 1 -
- What does this really mean in my case?
- Is there a general 'severity estimate’ based on the different 'languages' used above?
- Will they even consider my additional evidence & explanations?
- How bad is my refusal vis-à-vis reapplication relevance? Is it even worth making a re-application?
2. There was an error in calculating the value of my fixed deposits by the ECO. The deposit statement I had provided did not mention any totals and thus ECO computed the amounts from Page 2 in their refusal letter which is only a third of my actual deposits, while they completely ignored Page 1. I read here that 4.2(e) is mostly an icing on top of more severe 4.2 (a) & (c)
Question Set 2 -
- Will apprising them about this oversight in calculation (which I must bring up) improve my chances even slightly?
- What is the best way to communicate this in my new application?
3. Seems they mainly refused me on 4.2 (a) & (c), I assume it was because of my profile - a 30+yo single Indian male, freelance consultant, possible to work & earn remotely in the UK, asking for 4 months to visit his long-term girlfriend. I can see how I fit the refusal profile from UKVI ’s point of view.
I’ve now reduced my visit duration to 2 months (already lost 2 months due to refusal) in my new application, and attaching confirmed return tickets (which I also did last time) but I guess it won’t make a difference. We’ve literally been apart 13 months and I honestly wish to spend 60 days with her. Historically we’ve only managed to have 3 week long vacations together, but want to spend more time than that when it is finally possible. Is it too much to humanly ask?
Question Set 3 -
What are my other options to show ties to the country? I had already attached property details (owned jointly with my mother) to show my ties to land & family, I can explain a bit more but I can’t think of any other positive evidence to show. What do I do?
I have a small bank loan on my apartment, which I didn't mention explicitly, but my expenses reported during application and bank statement show these monthly instalment debits. Do I disclose this in my new application in case it adds value to my ties or acts positively?
How do I prove I am a genuine visitor if I gave them pretty much all the evidence I have already. I can give evidence of my additional income, income being genuinely derived from my profession (tax statements from the government) and the deposits resulting from the income, but that only answers the V4.2(e); points 4.2 (a) & (c) still remain.
I’m just stressed that in my opinion I can give them all genuine reasons (and some new financial evidence) but I’m afraid I’ll fall short to show my intent of being a genuine visitor. Any pointers to improve my application outcome will be super-welcome.
Thanks in advance.
EDIT (for gratitude): Thank you everyone for your help with the answers & comments, specifically @Traveller & @DJClayworth. It has given me a lot of information & other person's perspective to improve my next application. For me, both answers are equally great & sensible, however in order to mark one as 'accepted' I'll just go by the upvotes. Cheers!