Magic Number for fiance' visa

So In May we'll be applying for the fiance' visa
I *know* there are changes happening sometime soon, as we just don't know what or when.
The more I delve into this with my fiance', it has slipped my mind that he pays for EVERYTHING in cash. He gets disability, has been approved for 5yrs ending in 2015.
We can show on the bank statements that he gets this money weekly & monthly. The problem is, he pulls the money out right away. So there is no showing of savings as he always keeps cash on him. It's idiotic I know. My nana is willing to lend me 2500$ to put in his account for when we go for the visa, but I'm sure this would show as possibly suspicious to the EO. I have no clue what to do about this. I know we currently meet the requirements with the maintence but how the hell do i prove it? Help?

So In May we'll be applying for the fiance' visa
I *know* there are changes happening sometime soon, as we just don't know what or when.
The more I delve into this with my fiance', it has slipped my mind that he pays for EVERYTHING in cash. He gets disability, has been approved for 5yrs ending in 2015.
We can show on the bank statements that he gets this money weekly & monthly. The problem is, he pulls the money out right away. So there is no showing of savings as he always keeps cash on him. It's idiotic I know. My nana is willing to lend me 2500$ to put in his account for when we go for the visa, but I'm sure this would show as possibly suspicious to the EO. I have no clue what to do about this. I know we currently meet the requirements with the maintence but how the hell do i prove it? Help?

Since you are applying in May, couldn't he just stop pulling the money out straight away?

As far as being lent money, I don't think you can show loans to meet maintenance. I believe you have to have a letter staying that it's a gift and not expected to be repaid.

If i state its a early wedding present, and have a letter written from my grandmother would that be alright?

As long as it isn't a loan, it should work.

You said she'd "lend" it to you, and if that's the case and it's expected to be paid back, you shouldn't really tell the UKBA it's a gift.

In all honesty if I tell her exactly what its for, I'm sure it would be gifted rather then a loan. kwim? so I wouldn't be lieing. I'm really just worried about is there a magic number of savings he should have aside from this? Do we attatch something to the bank statements saying that he does normally pay for everything in cash, like i said its not like he's swiping at stores, everything is a atm withdrawl. There is money coming in weekly and monthly. How do we prove we can meet the maintenance requirements?

In all honesty if I tell her exactly what its for, I'm sure it would be gifted rather then a loan. kwim? so I wouldn't be lieing. I'm really just worried about is there a magic number of savings he should have aside from this? Do we attatch something to the bank statements saying that he does normally pay for everything in cash, like i said its not like he's swiping at stores, everything is a atm withdrawl. There is money coming in weekly and monthly. How do we prove we can meet the maintenance requirements?

Well he could explain it in his sponsor letter, but I'm still not understanding why he doesn't keep the money in the bank? You have a couple months until you are applying, so why not keep the money in the bank and then give an explanation.

ETA: to change wording

What's your accommodation situation going to be?  Staying with family rent-free?  Renting?  Owning?

When it comes to his bank account he just has a thing about the government knowing what he's doing with his money. Paranoia I suppose.

And as for accommodations: He has a flat through housing benefit. We would not have to pay rent until i am eligible to work on the spousal visa. He *would* lose his single persons allowance for council tax which we are aware of.

When it comes to his bank account he just has a thing about the government knowing what he's doing with his money. Paranoia I suppose.

Well, I'd suggest that he keeps the money in the bank until you are ready to apply.

From  my understanding the money doesn't physically have to be in the bank account. All you need to prove is he makes x amount and can cover you both to live without going into public funds after rent has been taken our as well as council tax. If he uses cash all the time providing the bank statments that show the money depositing into the account, a leas agreement showing what he does/doesn't pay in rent, and a paper showing how much he pays in council tax should be enough because I'm sure the UKBA can add up on a calculator whether monthly income - rent - council tax equals left over to make sure you meet the current weekly allowance.

I could be wrong though, but that's how inferred it.

From  my understanding the money doesn't physically have to be in the bank account. All you need to prove is he makes x amount and can cover you both to live without going into public funds after rent has been taken our as well as council tax. If he uses cash all the time providing the bank statments that show the money depositing into the account, a leas agreement showing what he does/doesn't pay in rent, and a paper showing how much he p
ays in council tax should be enough because I'm sure the UKBA can add
 up on a calculator whether monthly income - rent - council tax equals left over to make sure you meet the current weekly allowance.

I could be wrong though, but that's how inferred it.

But if he takes all of his money out of his bank, how would the ECO know if the 106 pound is left over each week? Sure, they will see the deposit, but then they would see all the money coming out too. The sponsor needs to provide bank statements, but how can he if there is nothing in there?

But if he takes all of his money out of his bank, how would the ECO know if the 106 pound is left over each week? Sure, they will see the deposit, but then they would see all the money coming out too. The sponsor needs to provide bank statements, but how can he if there is nothing in there?

From my understanding - because I posted a similar thread because my husband believed the 106 pound a week had to PHYSICALLY be in the bank - you just need to prove you get x amount (which he would with  bank statments showing the money depositing) and then provide a tenacy agreement showing you pay x in rent and then showing you pay x in council because as of now they only care about what you will have after rent and council tax (which is the basics you would need if living off public funds).

so from what I understand - both reading and my own thread - the money doesn't phsycailly have to be in the bank account because in theory you will use thta 106 pound a week to buy food, etc. You wouldn't just not use the 106 pound a week and let it sit there and starve because that's what it's for. This is what my husband thought you had to do which scared him because that initial first month with him in our house by himself he would be using part of thta 106 pound a week to buy food for himself, pay power bill, etc. - there's no way he could just leave it in the bank and not use it - although he makes well over the current 106 pound a week mark but just using an example.

The ECO can easily (again, from what I'm understanding) check to see whats deposited into his bank account and subtract rent and council tax from that. Thus the rest would be left for living on - buying food, personal items, etc.

Ah ha, I see what you are saying and I missed the part about the rental agreement and council tax forms. 
Learn something new every day on here!

As I understand it, optomisticgirl is right.

And as for accommodations: He has a flat through housing benefit. We would not have to pay rent until i am eligible to work on the spousal visa. He *would* lose his single persons allowance for council tax which we are aware of.

Do you have paperwork confirming this information (particularly rent and council tax costs)? 

If so, then I think you'll be fine.  You said you'll have evidence of his funds coming in, and if you have evidence of his rent and council tax outgoings, the ECO can calculate if you have the minimum left over after rent and council tax.

IMO, if you want to explain why the majority of money is withdrawn from his account shortly after being deposited, he can include an explanation in his sponsor letter.  But the ECO being able to confirm how much he gets and how much he spends on rent/council tax is the the biggie.