It's very disappointing that my wife's visitor visa is refused for the second time.
I have a business visa and my wife wanted to travel with me as a dependant with a visitor visa.
When my wife applied for visa for the first time they refused and said that she did not submit my (husband's) financial documents.
My wife submitted all the required documents including my financial documents and applied for visitor visa second time. But again they refused the visa. This time they pointed her to Appendix V 4.2 ( e ) and 4.3 ( c ).
Appendix V 4.2 The applicant must satisfy the decision maker that they are a genuine visitor. This means that the applicant: (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. Appendix V 4.3 ( c ) Funds, maintenance and accommodation provided by a third party: V 4.3 A visitor’s travel, maintenance and accommodation may be provided by a third party where the decision maker is satisfied that they: (c) can and will provide support to the visitor for the intended duration of their stay.
In visa application and in other documents that we provided, my wife clearly mentioned that she is travelling as a dependant and her husband (myself) will be taking care of travel, food, accommodation or any other expenses that she might need.
I also submitted my invoices and bank statement which show that I as a business receive £1400 every month as a consultant from my client in UK. Also my client has already paid for my expenses so I have £1400 every month to spend for my wife in UK.
I am not sure why the visa was rejected the 2nd time even after providing all details and clear explanations. To be frank, we are not left with any documentation that we have. We submitted all documents we have.
Are there any special documents that my wife should have submitted to satisfy Appendix V 4.2 ( e ) and 4.3 ( c )?
Here is what the ECO has to say:
Your application for a visit visa to the United Kingdom has been refused.
How your application was considered
You have applied for a visa to visit the UK.
In deciding whether you meet the requirements of Appendix V: Immigration rules for visitors
the financial and personal circumstance as declared by you on your application form,
your passport and travel history,
your family circumstances and
the supporting documents you provided.
Rate of exchange GBP1 to Rs.98.15
I have refused your application for visit visa BECAUSE I AM NOT SATISFIED that you meet the requirements of paragraph(s) V4.2 (a - e) of Appendix V: Immigration Rules for Visitors because:
On your application form you have stated your visit to the United Kingdom will be funded by your husband and that he will assist with your travel cost, support and accommodation. However you have presented no satisfactory evidence from them to show that they are able to do so. You have provided business and tax documents from small room communication but from information available to me I am not satisfied that they accurately reflect the true income derived from his business. I am not satisfied that you will maintain and accommodate yourself and any dependant adequately out of the resources available to you without recourse to public funds or taking employment; or will, with any dependants, be maintained and accommodated adequately by relatives or friends Finally I am not satisfied that you can meet the cost of the return or onward journey. Therefore, your application is refused under Appendix V 4.2 (e) and 4.3 (c) of the Immigration Rules .
Any future UK visa applications you make will be considered on their individual merits, however you are likely to refused unless the circumstances of your application change.
So, the ECO did not consider my 3 months invoice of £1400 to my client. I have submitted my one year business bank statement so that he could see that every month £1400 is credited to my Indian account from my client in UK.
Also ECO thinks that my Income Tax documents that I downloaded from Income Tax office website that I submitted are not accurate.
Irony is I have been granted Business Visa every year based on the same documents. Even this year they have granted my business visa based on the same Income Tax Documents and same documentation.
If my documentation and all the documents that my wife has submitted are correct then I am sure ECO has not gone through all the documents or doesn't have knowledge about Indian Income Tax documents or Bank Statements?
Please help and let me know what is lacking in the documentation and documents submitted? Can my wife appeal or take legal help?
Myself and my wife are ready to apply for visa the 3rd time if anyone can tell us that we have missed any information. When my wife applied for visa for the 2nd time we have not left out any documentation. So, we are not sure what more documents we should submit to satisfy the visa officer.