One of the questions I have is around the 6 pieces of evidence over 3 sources. I am planning on gathering the below pieces of mail:
Joint Bank Statement Dated 7th November 2018
Council Tax Bill in Both Names Dated March 12th 2019
Water Bill in Both Names Dated June 18th 2019
Joint Bank Statement Dated 7th November 2019
Council Tax Bill Dated sometime March 2020
Joint Bank Statement Dated 7th June 2020
If you're renewing in July 2020 then you'd need correspondence covering the preceding 2 years. So the main issue is you need some earlier evidence; I'd try to start with some evidence from August 2018.
6 pieces of evidence over 2 years perfectly spaced would be something every 4 months. If you've got a gap of more than 4 months (e.g. June 2019 - November 2019) you might consider submitting something additional in that gap just to be safe.
One of the things me and my wife did to ensure we'd have adequate evidence was we set up some credit cards and kept a small balance so we'd be posted monthly statements. Our joint bank accounts are set up to post us monthly statements too (different banks from the credit cards).
As I'm paid on the 28th of the month and my bank statements are generated on the 7th of the month, waiting for my June pay + bank statement being mailed July 7th to cover it is getting quite tight in terms of the visa expiry date. As we are with an online only bank I was considering moving to a bank in the near future with a high street presence to be able to do a walk in and get an ad-hoc statement generated the day after my June 2020 pay to be able to ensure I get the physical copy in time.
Does anyone see any issue with us changing bank given the fact some of the mail we will be using for cohabiting evidence will be with an account we will be closing? Though I am planning on changing now so that the 6 months of bank statements for financial evidence will be from just 1 bank as to not complicate things.
We had a similar situation. I'm paid around the 21st of every month but our bank statements are issued on 18th of the month. We are with a high street bank. We went in and explained that our situation and they told us that they are able to issue an interim statement on request. This is not simply a print out from the branch of transactions; this means they issue a whole new statement (we ordered ours a couple of days after I was paid) which would look like your other statements but it would cover the period from the last normal statement to the day the interim statement is issued. As we have paper billing, the interim statement arrived in the post. We're using this for our evidence.
You could check with your online bank to see if they're able to issue an interim statement.
However, as this interim statement only covers part of a month, if you submit this with 5 or 11 months normal statements then together the statements wouldn't quite cover 6 or 12 full months statements required for financial evidence. We have therefore also included another full month before. So altogether our 7 bank statements (6 normal and 1 interim) cover 6 + a bit months. I hope this makes sense.
