Policy reader

Hi everyone,

I am just looking for some reliable opinion over one of the planned approach geared up to meet the financial threshold for FLRM extension application through cash savings. The situation is that the sponsor is earning well above of the required threshold whilst also possessing the sufficient cash savings actually amassed through working over the last several years. But due to escaping from all headaches in requesting & obtaining the employer letter, payslips and job contract/P60 from the employer who is bit sluggish, wouldn't that be a good idea to simply use the route of cash savings only by attaching the 6 months of bank statements instead the huge bunch of documents regarding employment. If you expert think of this being quite reasonable than do you reckon that i would still have to declare/attach anything relating to the employment as well despite solely relying on cash savings.
Kinds regards.

SanDiegogirl

If you want to apply using cash savings only then you can do so.

Do not supply any documents relating to your employment.

Policy reader

Many thanks for your prompt answer. In above case in addition to 6 months of bank statements demonstrating the sufficient saving held during the last six months, what else need to be attached? Won't caseworker be interested to know the source of cash savings?

spouse of scouse

When I got my visa via the cash savings category in late 2015, one of the questions asked for the source of the savings. I just answered that and didn't provide any back-up evidence. If that question's still included, just answer it honestly ie if the savings are from your salary/wages, just say that. If the application form doesn't ask for evidence of the source, don't include it. If your caseworker wants further information they'll ask.

SanDiegogirl

The application asks for sources of the savings. If savings from employment just say that, if cashing in of investments show investment documents prior to cashing, if sale of house show documents showing house sale etc etc

Policy reader

Many thanks for this valuable piece of advice. Apart of declaring the source of cash savings on the application form, is there any need to prepare a letter/declaration for it too?

SanDiegogirl

No .....

spouse of scouse

The Home Office is pretty red-hot on immigration fraud, which is why applicants have to acknowledge by signing the form that they consent to all their information being checked and verified.

What you put as your answer to the question is already a legal declaration. Just before the signature section it states that it's an offence under the Immigration Act 1971 for the applicant to make any statements that aren't true, or to obtain or attempt to obtain leave to remain in the UK by deception. The consequences for providing incorrect information include refusal or revocation of visa, criminal prosecution and deportation. That pretty well covers it so no need to write an additional declaration.

Policy reader

Hi members,

In case where the balance of cash savings varies each day/month as most of us experience when running a current account then what would be the baseline? I have heard that the lowest balance figure during the last six months prior to applying would be taken? If that is correct, then would it mean that the required balance of £62500 always need to have been maintained at the close of each business day.

SanDiegogirl

Yes... at no time during that 6 months must the figure drop below $62,500 GBP; which is why most people do not use current accounts where the figure fluctuates on a daily basis due to payments/direct debits being made.

Policy reader

Good morning/afternoon everyone, I am in need of your opinions/experiences/foresight over a dismaying situation where an employer has become dishonest in paying the wages correctly. Hence, isn't much responsive now because of being kept pestered with pay queries who might not prepare the employer letter according to UKVI's standard even might not actively respond them in case where if they contact them. Another added misery is the payslips which they keep distorting by paying less followed by correction & adjustment. So what do you think by looking on above that using only the 6 months old £62500 cash savings accumulated only through working will pan out good. If yes then should that employment still be declared on the application form which will obviously ask by default to supply payslips & employer letter. Can that employment just not be declared at all on the perception that these aren't actually relied on.

BritInParis

If you have sufficient cash savings then you don’t even need to mention employment as at best it’s irrelevant and worst case scenario it may cause unnecessary confusion with your ECO which could potentially lead to an incorrect refusal. Apply the KISS principle and you’ll be fine.

Policy reader

Thanks for your input. For cash savings route, inevitably one need to disclose the actual source which in this case is employment. So, by keeping in view this, wont by not declaring this employment be tantamount as if you are still declaring it indirectly to support your cash savings which may gives the chance to caseworker for classifying it as deception? How would it be safer to demonstrate that the only reason you aren't declaring your employment is because you are not relying on it but only intending to keep the confusion to minimal instead hiding anything?

SanDiegogirl

Goodness, you are reading more into this than needs be.

In the application you will be declaring your current employment (if you have any) under personal details. You will be declaring that the financial category you will be applying under is savings. (and not providing any payslips etc etc)
When it comes to declaring where your savings come from, you state employment and, if you wish to list the companies you were employed at, from which you obtained your savings, then do so.
There is no deception.......

Policy reader

Your suggestion is 100% logical and correct but unfortunately according to few member's experience once you fill in the employment section then the online application automatically starts asking more question before letting you move and the relevant documents. Wouldn't be a good idea not to fill entirely the employment section in the application form rather disclose it briefly in covering letter.