Financial Requirements Excemption Help

RE Hangouts / Email communication, I don't have much more than that, as most of our communication is through Whatsapp /Skype. I have a page of screenshots of WhatsApp calls, and about 4 pages of WhatsApp messages, along with a page of Skype messages for each year (excluding this year as I can't export the chats now) But WhatsApp calls cover this period.

What would you recomend?

If you only have 1 per year, then that’s all you need to send... so what you have is fine.

I just thought maybe you’d deliberately only chosen 1 per year, and not included the rest.


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If you only have 1 per year, then that’s all you need to send... so what you have is fine.

I just thought maybe you’d deliberately only chosen 1 per year, and not included the rest.


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ahh okay, that makes sense!

We only really send emails/hangouts if I have let my phone die, and I can't be bothered charging it 

Again thank you so much for your help!!

It’s an absolute requirement that the letter must state how long you have been earning your current salary - because that date will determine which financial category you qualify under.



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Was just browsing this topic and had a question about your post. My wife has been with the same employer for several years but recently received a raise. The raise occurred about one month into our 6 month wait to apply. We plan on applying with salary and savings. Does the fact that her employer letter will state that the raise occurred less than 6 months ago affect the category we will need to qualify under?

Was just browsing this topic and had a question about your post. My wife has been with the same employer for several years but recently received a raise. The raise occurred about one month into our 6 month wait to apply. We plan on applying with salary and savings. Does the fact that her employer letter will state that the raise occurred less than 6 months ago affect the category we will need to qualify under?

As long as her previous salary still meets the requirement, it won’t affect the category.

What will happen is that they will take the lowest payslip from the 6 months and multiply it by 12 to get the annual salary that can be used for the visa. As long as this figure is enough to meet the requirement along with your savings, it won’t affect the Category.

If it isn’t enough, one option would be to wait an extra month to apply so that all 6 months of payslips are at the higher salary.


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As long as her previous salary still meets the requirement, it won’t affect the category.

What will happen is that they will take the lowest payslip from the 6 months and multiply it by 12 to get the annual salary that can be used for the visa. As long as this figure is enough to meet the requirement along with your savings, it won’t affect the Category.

If it isn’t enough, one option would be to wait an extra month to apply so that all 6 months of payslips are at the higher salary.


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Her previous salary did not meet the requirement. She is paid hourly though. So we were planning on including the first month because the average of the 6 months would meet the requirement. Would that be okay to do?

Her previous salary did not meet the requirement. She is paid hourly though. So we were planning on including the first month because the average of the 6 months would meet the requirement. Would that be okay to do?

Yes, because in her case she does not have a salary, so what I said above does not apply.

She is non-salaried and has an hourly wage. Therefore they will calculate the income by working out the average earned per month over the 6 months and multiplying by 12.


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Oh okay thank you. I just got the terminology mixed up.

Thanks!

Final payslip has come today!!! 

But I've confused myself with what we need 

I have payslips for 25/06 - 25/12 (one per month)

now for my bank statements, I have (21/06 - 21/11), I'm going to get my latest bank statement showing payslip being deposited to show 22/11 - 21/12 on the 22/12. (it gets paid in 21/12)

does this cover enough time? or do I need to get a payslip showing 25/5?

You need the bank statements that show all of your pay (as reflected in your payslips) going in.  If your first pay deposit appears on the 21/06 bank statememt, that's good.  If the deposit is not on that bank statement, you need the earlier statement.

You need at least six FULL months of statements, and they need to show the six FULL months of deposits going in.  That often means submitting seven months of bank statements to show all the deposits.

When are you planning to apply?  Your most recent (December) payslip appears to be dated in the future... 25th of December? If the pay has already been deposited, I don't know how this counts with regard to having six months of income before you apply... if you're applying on or after Christmas, it's obviously fine.

You need the bank statements that show all of your pay (as reflected in your payslips) going in.  If your first pay deposit appears on the 21/06 bank statememt, that's good.  If the deposit is not on that bank statement, you need the earlier statement.

You need at least six FULL months of statements, and they need to show the six FULL months of deposits going in.  That often means submitting seven months of bank statements to show all the deposits.

When are you planning to apply?  Your most recent (December) payslip appears to be dated in the future... 25th of December? If the pay has already been deposited, I don't know how this counts with regard to having six months of income before you apply... if you're applying on or after Christmas, it's obviously fine.

Hi thanks for your help, I think I’ve been over thinking it...

So I have payslips in my pack for

25/6
25/7
25/8
25/9
25/10
25/11
25/12 - paid early (today due to Xmas)

So that’s 7 months, as 6 payslips wouldn’t be ‘full’ with being paid December early am I correct?

My oldest bank statement starts on the 21/06 (so June pay is included) and the final date I will be showing will be 23/12 when I go into my bank on that 24th showing my 7th payslip being deposited. I would go to the bank later, but they are closed 25/26th, and I am working 27/28th, and then fly to US on the 29th.

Does this cover the desired period?

My husband to be is applying on the first week of January.



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Okay, what you need to do is start with the date on your final payslip and count back 6 months from that date.

So, if your final payslip is 25th December, then your 6 months is 25th June to 25th December.

Therefore your bank statements and payslips must cover every single day from 25th June to 25th December... and not a day less, which means including the following payslips:
1. June 21st
2. July
3. August
4. September
5. October
6. November
7. December 25th

And your bank statements must cover at least all of those dates as well, for example, if they are issued at the end of each month (covering from the 1st), you might include your bank statements dated 1st June to 31st December.

Are you able to get to your bank on the 27th or 28th at all? Because you probably should have the December bank statement to cover up to the 25th December as well so that both the payslips and bank statements cover all of the same dates.

Okay, what you need to do is start with the date on your final payslip and count back 6 months from that date.

So, if your final payslip is 25th December, then your 6 months is 25th June to 25th December.

Therefore your bank statements and payslips must cover every single day from 25th June to 25th December... and not a day less, which means including the following payslips:
1. June 21st
2. July
3. August
4. September
5. October
6. November
7. December 25th

And your bank statements must cover at least all of those dates as well, for example, if they are issued at the end of each month (covering from the 1st), you might include your bank statements dated 1st June to 31st December.

Are you able to get to your bank on the 27th or 28th at all? Because you probably should have the December bank statement to cover up to the 25th December as well so that both the payslips and bank statements cover all of the same dates.

My bank statements are generated on the 21st of each month unfortunately. So hopefully, fingers crossed with Xmas post I will get this Xmas eve. This will be the statement showing 22 nov - 21 December.

Would I then need to *try* and get to the bank after work on the 27th? To show a partial bank statement between 22nd - 26th.

I’m not sure why they don’t generate on a normal day.


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My bank statements are generated on the 21st of each month unfortunately. So hopefully, fingers crossed with Xmas post I will get this Xmas eve. This will be the statement showing 22 nov - 21 December.

Would I then need to *try* and get to the bank after work on the 27th? To show a partial bank statement between 22nd - 26th.

I’m not sure why they don’t generate on a normal day.


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Yes, I would suggest you get a partial statement covering the 25th... because although your pay went in on the 21st, you don’t want to risk the visa being refused because your bank statement was dated 4 days before the date on your payslip.

If you absolutely cannot get to the bank before you fly, you might be okay downloading a partial statement from your online banking, though if you do this, you’re supposed to get it stamped by the bank.

You will also need to explain in your cover letter the reason for the pay going into your account today instead of on the date listed on the payslip. You might think it would be obvious, being Christmas, but you never know - we’ve seen people refused recently because their payslip deposit was a different date to their payslip, and they didn’t explain why this was the case.


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Yes, I would suggest you get a partial statement covering the 25th... because although your pay went in on the 21st, you don’t want to risk the visa being refused because your bank statement was dated 4 days before the date on your payslip.

If you absolutely cannot get to the bank before you fly, you might be okay downloading a partial statement from your online banking, though if you do this, you’re supposed to get it stamped by the bank.

You will also need to explain in your cover letter the reason for the pay going into your account today instead of on the date listed on the payslip. You might think it would be obvious, being Christmas, but you never know - we’ve seen people refused recently because their payslip deposit was a different date to their payslip, and they didn’t explain why this was the case.


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I will try and get to my bank on the 27th, feels like I’m cutting it very fine!

That’s really interesting, when I called my bank to request historic original statements, they said that if I printed online they wouldn’t stamp them anyway, and that they would have to be printed in branch. I guess it depends on the bank?

Perfect I will add that into my letter regarding the Xmas pay. All of my payslips are printed from the accounts department on them special pieces of paper with the tear off sides, so hopefully they understand... would just a sentence be ok in the paragraph where I mention my job?

Can’t wait until all this is over and I can breath!

As always thank you for your help


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Perfect I will add that into my letter regarding the Xmas pay. All of my payslips are printed from the accounts department on them special pieces of paper with the tear off sides, so hopefully they understand... would just a sentence be ok in the paragraph where I mention my job?

Yeah, you could just say something like:
I am including the required financial documents. To note, my December payslip is dated December 25th, but it was deposited into my bank account on December 21st due to the Christmas holidays.