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Main Reasons Many Are Refused Visas



Hi, VicJustice. Quick clarification needed on this "Money Lodgement" issue.i asked you earlier in the enquiries group but the shorthand language you deemed confusing. sorry abt that. My annuals (as stated/broken down in employer letter of intro) is 6 Million made up of salary (180k monthly) and various allowances. On a particular month, we received an allowance into my salary current account which i put into fixed deposit with the same bank so as not to overspend. I ask you, if i liquidate the fixed deposit 2 months to application and the bank credits back into my salary current account (where the funds were taken from initially) with the proceeds, would it still be "Money Lodgement"? kindly note that 1. the trasaction is directly traceable to the account, 2. all my salary and other allowances go thru the account, so there is history of income and expenditure over a long time, 3. i shall attach with application all the fixed deposit certificates given for the period as well as a detailed explanation refering to the bank statement on when the funds were debited by the bank and were credited back too. 4. The funds is good enough to sustain us for the trip as well as have something left for after the trip. Thank you.




Hi, VicJustice. Quick clarification needed on this "Money Lodgement" issue.i asked you earlier in the enquiries group but the shorthand language you deemed confusing. sorry abt that. My annuals (as stated/broken down in employer letter of intro) is 6 Million made up of salary (180k monthly) and various allowances. On a particular month, we received an allowance into my salary current account which i put into fixed deposit with the same bank so as not to overspend. I ask you, if i liquidate the fixed deposit 2 months to application and the bank credits back into my salary current account (where the funds were taken from initially) with the proceeds, would it still be "Money Lodgement"? kindly note that 1. the trasaction is directly traceable to the account, 2. all my salary and other allowances go thru the account, so there is history of income and expenditure over a long time, 3. i shall attach with application all the fixed deposit certificates given for the period as well as a detailed explanation refering to the bank statement on when the funds were debited by the bank and were credited back too. 4. The funds is good enough to sustain us for the trip as well as have something left for after the trip. Thank you.


You salary is impressive enough to satisfy any visa officer, and your savings seem great, but it is one thing to have huge amount of money, and it is another to show it in an account statement that is not in the format of embassy requirement.
Although yours is short of the standard, but with credible documents and valid explanations, you may get the approval: but then, you need a patient Visa Officer to listen to you and examine your every document otherwise, a lazy one will be happy to take the easy way to refuse your visa application: bear in mind that most visa applicants are not deemed necessary to be called for interviews.
If I were you, I'd give myself six months to build a standard bank statement: there is a high chance you would be refused this time, but with a standard bank statement, and given your calibre, you will most definitely be approved



This forum is very educative. Before you said these, i know it very well but not all our ppl know the these. So here, they can learn, understand, and apply it into action so as to have a success in their applications. But as you stated, company statement cannot be used to apply in some areas. But i think that you can still use it to apply in some. For instance, if you are going abroad for training, seminar or conference sponsored by your employee or company, would they still request a personal statement of account from you bearing in mind that the company will provide all the financial assistance you need for the trip?


Yes, this is an exception hence I specifically stated that a company's account can not be used as sponsor for self aspired trip



As a company owner, you could use it to proof your tie-to-Nigeria, in that case, you will not only include your company's account but you also need to include your tax certificate, savings account/personal account where the cost of the trip will come from, but the money in the company's account will be used, you only using it to proof that you have a strong tie-to-Nigeria.

If your company is not in a good financial health then don't include it in your visa application.


Vicjustice, wats good. I have this quick question. There is a guy i know, he was issued a UK visa about 2005. He got to the Uk planning to board a plane with an altered British passport to canada. He was arrested and sentenced to 6months to prison. Now the thing is this, after his prison term, he was released and was not deported back to Naija but he says that he met fellow naija folks who were in prison for the same crime but after their term they were deported back to niger and he was allowed to stay. He left the Uk on his own free will back to Naija, now he is in Switzerland, married to a swiss and they plan visiting the UK for the holiday. I need ur opinion do you think he stands a chance cos he was not recommended for deportation and since he is married to an EU national does that help. Holla back, awaiting your response and other members too.


think that the cover letter is one thing we should try and include in our application. They may not request it but technically, it may be your mouth say when the VO will be considering your case especially where you may need an explanation to make in order to convince him/her. With the help of it, you will link and prove you point to them


When i attended my interview last year at american embassy, i was given a letter that stated my case has to go through administrative processing and it will take a minimum of 60 days. It was also stated that i should not come all call unless they contacted me.
Guess what? They eventually called me after 3 months and stamped my passport for 1 year multiple entries.That was my first tme of applying and i heard people saying US does not give multiple entries to a first time non immigrant us visa applicant.
Please does any one know what kind of administrative processing are they talking about and why my case was special case?



Thanks for the information. Sir I will also like to know about travelling to Canada/Uk through marriage status; that is a man/woman that is based in naija getting married to a citizen or somebody with a valid doc of these country. What will be their fate if applying for immigrant visas?


Every legitimate married person has the rights to invite his/her spouse for re-union as long as s/he has the legal rights of abode in any given country, but the eligibility is another thing, there are conditions to be met such as job and financial circumstances, accommodation details and social stance etc of the sponsoring spouse.


Had i known the transactions in your account statement, i would have been in a good position to suggest the right account to use. But since you are the one who knows how the account is building up, i'll advise you to make a review of the account statements and see which one meets the requirement that i explained in the original post


The bank statement issue also applies to the USA, Canada and every normal country, but this particular 10 years ban does not apply to the USA or Canada, but yet, compared to the LIFE ban that these two countries (the USA and Canada) impose on applicants who commits such fraudulent acts, the UK ban is really merciful



First, consider this question: Were you refused a visa on the basis of fraud documents or misleading information? If the answer is yes, then there is no doubt about it, you have been banned



Nigerian passport requires a visa for Belarus except you are travelling from a country where there is no representative of Belarus in the country that you are coming from, in that case, you can obtain their visa on arrival at Minsk airport: but you must be holding an original letter of invitation which must be issued by a Belarusian state organisation, it must be written on official headed paper containing name, passport details, purpose and duration of stay; and it must bear original signature and official seal of the head of the inviting organisation. The fee is $80: It is even easier to apply for a visa than to pass through all that mission (almost)impossible



BMZK: When i attended my interview last year at american embassy, i was given a letter that stated my case has to go through administrative processing and it will take a minimum of 60 days. It was also stated that i should not come all call unless they contacted me.
Guess what? They eventually called me after 3 months and stamped my passport for 1 year multiple entries.That was my first tme of applying and i heard people saying US does not give multiple entries to a first time non immigrant us visa applicant.
Please does any one know what kind of administrative processing are they talking about and why my case was special case?

You can help us by telling us what type of visa that you applied that made them to tell you that. Also what possible documents did you submit to them? What type of statement of account did you use? Plz give us details and we might all figure out what type of administrative process your application went thru


My situation is this: I have a salary account in bank A. Because of the banking instability and cos changing salary account is not straight forward in my organisation, I maintain a savings in another bank - B. Because bank A doesn't do Internet banking, and I have to physically transfer a chunk of my salary from Bank A to my savings in B almost every month for the past one year.

I have saved up over a million over to enable me visit family in the UK.

My question is will submitting bank balance of B satisfy the requirements since it doesn't show the deposits came from my salary. Do I need to still show the always empty bank A balance? Do I need to write an explanation?