Cat D - joint account with a parent
Mar 11th 2019, 4:54 pm
#1
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Cat D - joint account with a parent
hi everyone,
my hubby is a uk citizen and we’re planning on applying for my uk spouse visa using the cat d approach.
i have worked and lived in Canada for most of my life. A few years ago, I added my mother’s name to my bank account in order to ensure that someone else had access to it in the event of an emergency (I was travelling quite a bit). This has made my account a joint account, although all funds are mine and my mother does not access the funds for her own use. Can I use this account under the cat d approach if I explain my situation and provide letters from myself and my mother?
many thanks for your time.
my hubby is a uk citizen and we’re planning on applying for my uk spouse visa using the cat d approach.
i have worked and lived in Canada for most of my life. A few years ago, I added my mother’s name to my bank account in order to ensure that someone else had access to it in the event of an emergency (I was travelling quite a bit). This has made my account a joint account, although all funds are mine and my mother does not access the funds for her own use. Can I use this account under the cat d approach if I explain my situation and provide letters from myself and my mother?
many thanks for your time.
Mar 11th 2019, 5:13 pm
#2
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Re: Cat D - joint account with a parent
Only half the amount in the account will be taken into consideration, as your mother is a joint owner of the account.
Either remove her name or open another in your name only.
Either remove her name or open another in your name only.
Mar 11th 2019, 5:30 pm
#3
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Re: Cat D - joint account with a parent
does it make a difference if my mom declares that all funds are mine?
Last edited by Canadian2019; Mar 11th 2019 at 5:34 pm.
Mar 11th 2019, 5:38 pm
#4
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Re: Cat D - joint account with a parent
Surprising that the bank won't allow your mother's name to be removed.
The fact that only half the amount in the account can be used in the application would be the deciding factor, not a letter 'explaining the situation'
The fact that only half the amount in the account can be used in the application would be the deciding factor, not a letter 'explaining the situation'
Last edited by SanDiegogirl; Mar 11th 2019 at 6:00 pm.
Mar 11th 2019, 6:00 pm
#5
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Re: Cat D - joint account with a parent
Surely you mother can remove her own name?
Mar 11th 2019, 6:20 pm
#6
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Re: Cat D - joint account with a parent
Legally in Canada (or at least at BMO, the bank in question) once an account becomes joint, the only way to get around it is to close the account and re-open as a single or if one individual passes away. I even asked if there was a way to block access for her but that’s not possible either.
what seemed like a smart financial move in my mid 20s is now causing me some grief!
what seemed like a smart financial move in my mid 20s is now causing me some grief!
Mar 11th 2019, 10:39 pm
#7
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Re: Cat D - joint account with a parent
I’m not sure you could use any of the funds in that account if it’s not under the sole control of you and/or your husband.
Mar 12th 2019, 12:16 am
#8
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Re: Cat D - joint account with a parent
i have read that the accounts must be in mine or my sponsors name. I called the phone number for UKVI with the question and he couldn’t confirm but did mention that I need to have access to it. I’m hoping is ok especially as the account was opened by me and my mother was added at a later date.
Mar 12th 2019, 12:49 am
#9
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Re: Cat D - joint account with a parent
i have read that the accounts must be in mine or my sponsors name. I called the phone number for UKVI with the question and he couldn’t confirm but did mention that I need to have access to it. I’m hoping is ok especially as the account was opened by me and my mother was added at a later date.
Why would you risk it being OK when you are spending thousands of pounds on a visa?
Mar 12th 2019, 1:40 am
#10
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Re: Cat D - joint account with a parent
This was a major oversight on my part which I’m trying to rectify if possible. Since this account has always been “mine”, I overlooked the fact that my mother is also on all the documentation and now we’re at the stage where we need to apply.
I feel horrible as my hubby has worked so hard to get everything in order and I’ve messed it up with this misstep. We have a little one as well so any extra time this takes is a detriment to her relationship with her father. In any case, thanks for your help and I’m hoping hubby and I can figure something out.
I feel horrible as my hubby has worked so hard to get everything in order and I’ve messed it up with this misstep. We have a little one as well so any extra time this takes is a detriment to her relationship with her father. In any case, thanks for your help and I’m hoping hubby and I can figure something out.
