Visa initially declined, later granted: Couple's Reddit post details their successful efforts in obtaining approval
In an inspiring tale of perseverance, an Indian couple recently succeeded in securing a UK visitor visa, overcoming an initial rejection due to financial discrepancies and improper documentation. Their journey serves as a valuable guide for others facing similar challenges.
The couple's first application was refused primarily because of a significant mismatch between their declared income and the savings shown in their bank account. The applicant's last filed Income Tax Return (ITR) showed an income of ₹5.5 lakh, while their savings account held ₹28 lakh. This discrepancy raised suspicions that the funds could have been borrowed temporarily to misrepresent their financial strength.
Additionally, errors made by their travel agent led to incomplete and ambiguous documentation, further fueling doubts about the authenticity of the financial evidence submitted.
To address these concerns, the couple reapplied with a meticulously prepared application. They provided a source of funds certificate from a Chartered Accountant, the death certificate of the applicant’s late mother to explain inheritance funds contributing to their savings, and documents showing strong ties to India, such as property ownership papers, business registration documents, mutual fund statements, credit card history, and family dependents information.
This transparency and strengthened evidence proved crucial in addressing the concerns about financial credibility and home ties, which were critical factors in the initial rejection.
The couple's experience serves as a useful guide for others applying for a UK visitor visa, especially those funding their own travel. They have documented their journey on Reddit to help others avoid the same pitfalls.
In summary, the key reasons for the first rejection were a mismatch between declared income and available savings, suspicion of borrowed funds, and incomplete and ambiguous documentation. To overcome these issues, the couple provided a source of funds certificate, inheritance proof, and strong home ties documentation. With transparency, detailed documentation, and a strong cover letter, rejections can be turned into approvals.
[1] Source: Personal correspondence with the couple.
- The couple's financial investment in a mutual fund and their travel plans, supported by credit card history and their Chartered Accountant's certificate, demonstrated their capacity to handle their lifestyle expenses and vouch for their authenticity.
- Upon reapplication, the Indian couple wisely decided to investigate the Decentralized Finance (DeFi) market, understanding it as a potential avenue for sustainable investment and wealth growth, to further bolster their financial portfolio.
- With the UK visa approved, the couple can now embark on their long-awaited travel adventure, experience diverse cultures, and gain a broader perspective on global lifestyles, all while applying their newfound understanding of investment strategies, including DeFi platforms.
