Okay so first off we got our decision last week which was a denial, we can't say we were suprised but we are glad to have our passports back!
Sorry to hear about the refusal - especially after waiting so long
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As far as reapplying, we can reapply straight away correct?
Yes, you can reapply right away as long as you meet the requirements and have all the required documents.
I would make sure you take your time and don't rush into it though, to make sure you have everything in order and as strong an application as possible.
Second, I just retired as a disabled vet and plan to use our VA disability payments to meet the financial requirements. Our first payment will be 1 Dec 2017, how soon after that can we apply for using my pension?
If you are using pension income, you must have been receiving the pension as a monthly income amount for at least 28 days before you can apply.
You also need to provide at least one bank statement showing the pension has been paid into an account in your name.
So, if your first payment is deposited into your account on December 1st, that would mean the earliest you can apply is December 29th.
It may be best to wait until sometime in January to apply again, as that is usually the fastest time of the year for processing.
Also my wife is desperate to go home for Christmas but won't fly long haul again with our two babies, what are my chances of getting into the UK for Christmas then coming back to reapply?
Honestly, it could be tricky. If you have been refused a visa, you should apply for a visitor visa in advance of travelling, or you may be refused entry to the UK.
As a visitor, you need to be able to prove you have no intention of living in the UK and that you have a life to return to in the US (i.e. a job, home, family etc.)... which could look suspicious if you've just been refused a visa to move to the UK permanent to be with your family... but by applying in advance and explaining your situation, you will find out if you have been approved to enter the UK before you book tickets or get on a plane.