UK PLAB Visa Refusal due to unexplained bank deposits
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I had applied for a PLAB (Doctors) Visa for the UK to appear in PLAB test.
I got refused on the basis of two recent large deposits in the bank statement I provided (my mothers).
In reality, these are my own savings which I had deposited in her account to make it more strong.
The only objection I got was that I must provide evidence for the source of these deposits.
Other than this, I have previously travelled to the UK and USA as well as other parts of the world and my travel history is fine.
Can someone please advise on how to proceed and re-apply?
visas uk visa-refusals proof-provenance-of-funds
edited Feb 19 '17 at 23:18
JonathanReez♦
46.5k35210457
asked Feb 2 '15 at 7:34
Mehtab Alam
3112
add a comment |Â
up vote
6
down vote
favorite
I had applied for a PLAB (Doctors) Visa for the UK to appear in PLAB test.
I got refused on the basis of two recent large deposits in the bank statement I provided (my mothers).
In reality, these are my own savings which I had deposited in her account to make it more strong.
The only objection I got was that I must provide evidence for the source of these deposits.
Other than this, I have previously travelled to the UK and USA as well as other parts of the world and my travel history is fine.
Can someone please advise on how to proceed and re-apply?
visas uk visa-refusals proof-provenance-of-funds
edited Feb 19 '17 at 23:18
JonathanReez♦
46.5k35210457
asked Feb 2 '15 at 7:34
Mehtab Alam
3112
2
This is a very common case. Large transactions on the bank accounts near visa application dates are always a red flag scenario and good grounds for refusal.I got refused on the basis of two recent large deposits in the bank statement I provided (my mothers)Could you clarify what you did here ? Why did you provide your mother's bank statements ?
– DumbCoder
Feb 2 '15 at 9:53
Thank you for your valuable input. I am currently unemployed which is the reason my mother will support me for this exam and trip. This is also why I showed her bank statement. The two large deposits (about 1400 GBP each) were my own savings in cash which I had deposited in her account last month. Do you think it is advisable for her to get a letter from her office stating that those payments were her housing allowance? Or is it better for me to tell the truth and say that those payments were my own savings from my previous job? Many thanks!
– Mehtab Alam
Feb 2 '15 at 20:54
2
You should always tell the truth (and provide every available evidence for it). Had you done so previously, you might well have been approved for the visa.
– Michael Hampton
Feb 3 '15 at 0:35
add a comment |Â
up vote
6
down vote
favorite
up vote
6
down vote
favorite
I had applied for a PLAB (Doctors) Visa for the UK to appear in PLAB test.
I got refused on the basis of two recent large deposits in the bank statement I provided (my mothers).
In reality, these are my own savings which I had deposited in her account to make it more strong.
The only objection I got was that I must provide evidence for the source of these deposits.
Other than this, I have previously travelled to the UK and USA as well as other parts of the world and my travel history is fine.
Can someone please advise on how to proceed and re-apply?
visas uk visa-refusals proof-provenance-of-funds
edited Feb 19 '17 at 23:18
JonathanReez♦
46.5k35210457
asked Feb 2 '15 at 7:34
Mehtab Alam
3112
I had applied for a PLAB (Doctors) Visa for the UK to appear in PLAB test.
I got refused on the basis of two recent large deposits in the bank statement I provided (my mothers).
In reality, these are my own savings which I had deposited in her account to make it more strong.
The only objection I got was that I must provide evidence for the source of these deposits.
Other than this, I have previously travelled to the UK and USA as well as other parts of the world and my travel history is fine.
Can someone please advise on how to proceed and re-apply?
visas uk visa-refusals proof-provenance-of-funds
edited Feb 19 '17 at 23:18
JonathanReez♦
46.5k35210457
asked Feb 2 '15 at 7:34
Mehtab Alam
3112
edited Feb 19 '17 at 23:18
JonathanReez♦
46.5k35210457
edited Feb 19 '17 at 23:18
JonathanReez♦
46.5k35210457
edited Feb 19 '17 at 23:18
JonathanReez♦
46.5k35210457
46.5k35210457
asked Feb 2 '15 at 7:34
Mehtab Alam
3112
asked Feb 2 '15 at 7:34
Mehtab Alam
3112
asked Feb 2 '15 at 7:34
Mehtab Alam
3112
3112
2
This is a very common case. Large transactions on the bank accounts near visa application dates are always a red flag scenario and good grounds for refusal.I got refused on the basis of two recent large deposits in the bank statement I provided (my mothers)Could you clarify what you did here ? Why did you provide your mother's bank statements ?
– DumbCoder
Feb 2 '15 at 9:53
Thank you for your valuable input. I am currently unemployed which is the reason my mother will support me for this exam and trip. This is also why I showed her bank statement. The two large deposits (about 1400 GBP each) were my own savings in cash which I had deposited in her account last month. Do you think it is advisable for her to get a letter from her office stating that those payments were her housing allowance? Or is it better for me to tell the truth and say that those payments were my own savings from my previous job? Many thanks!
– Mehtab Alam
Feb 2 '15 at 20:54
2
You should always tell the truth (and provide every available evidence for it). Had you done so previously, you might well have been approved for the visa.
– Michael Hampton
Feb 3 '15 at 0:35
add a comment |Â
2
This is a very common case. Large transactions on the bank accounts near visa application dates are always a red flag scenario and good grounds for refusal.I got refused on the basis of two recent large deposits in the bank statement I provided (my mothers)Could you clarify what you did here ? Why did you provide your mother's bank statements ?
– DumbCoder
Feb 2 '15 at 9:53
Thank you for your valuable input. I am currently unemployed which is the reason my mother will support me for this exam and trip. This is also why I showed her bank statement. The two large deposits (about 1400 GBP each) were my own savings in cash which I had deposited in her account last month. Do you think it is advisable for her to get a letter from her office stating that those payments were her housing allowance? Or is it better for me to tell the truth and say that those payments were my own savings from my previous job? Many thanks!
– Mehtab Alam
Feb 2 '15 at 20:54
2
You should always tell the truth (and provide every available evidence for it). Had you done so previously, you might well have been approved for the visa.
– Michael Hampton
Feb 3 '15 at 0:35
2
2
This is a very common case. Large transactions on the bank accounts near visa application dates are always a red flag scenario and good grounds for refusal.
I got refused on the basis of two recent large deposits in the bank statement I provided (my mothers) Could you clarify what you did here ? Why did you provide your mother's bank statements ?– DumbCoder
Feb 2 '15 at 9:53
This is a very common case. Large transactions on the bank accounts near visa application dates are always a red flag scenario and good grounds for refusal.
I got refused on the basis of two recent large deposits in the bank statement I provided (my mothers) Could you clarify what you did here ? Why did you provide your mother's bank statements ?– DumbCoder
Feb 2 '15 at 9:53
Thank you for your valuable input. I am currently unemployed which is the reason my mother will support me for this exam and trip. This is also why I showed her bank statement. The two large deposits (about 1400 GBP each) were my own savings in cash which I had deposited in her account last month. Do you think it is advisable for her to get a letter from her office stating that those payments were her housing allowance? Or is it better for me to tell the truth and say that those payments were my own savings from my previous job? Many thanks!
– Mehtab Alam
Feb 2 '15 at 20:54
Thank you for your valuable input. I am currently unemployed which is the reason my mother will support me for this exam and trip. This is also why I showed her bank statement. The two large deposits (about 1400 GBP each) were my own savings in cash which I had deposited in her account last month. Do you think it is advisable for her to get a letter from her office stating that those payments were her housing allowance? Or is it better for me to tell the truth and say that those payments were my own savings from my previous job? Many thanks!
– Mehtab Alam
Feb 2 '15 at 20:54
2
2
You should always tell the truth (and provide every available evidence for it). Had you done so previously, you might well have been approved for the visa.
– Michael Hampton
Feb 3 '15 at 0:35
You should always tell the truth (and provide every available evidence for it). Had you done so previously, you might well have been approved for the visa.
– Michael Hampton
Feb 3 '15 at 0:35
add a comment |Â
1 Answer
1
active
oldest
votes
up vote
9
down vote
Update 19 July 2015
In April 2015 new visitor rules activated as a result of the on-going Simplification Project. The text cited below was replaced with text that makes the rules easier to understand. The new rules are at Appendix V, and the operative text is in Paragraph V 4.2 (e).
...must have sufficient funds...
Simpler. Easier to understand. But a whole lot more nuanced and subtle...
The press release is at Changes to the UK's Visa Services.
All of the same principles put forward in the original answer still apply, and decision-makers still use the same criteria to assess an applicant's credibility.
Original Answer
Your bank accounts suggested that you were using a 'funds parking' strategy, and the ECO challenged your credibility as a result; hence a refusal. They also consider the parking strategy to be a mild form of deception, which commensurately damages your credibility.
Briefly, the 'funds parking' strategy involves having a friend or relative inflate your account by giving you a temporary loan which you repay after the visa has been issued. But when they detect this strategy, they are entitled to refuse on Paragraph 41 (vi), which says in part
will maintain and accommodate himself and any dependants adequately out of resources
available to him
with emphasis on 'available to him'. You used your mother's bank account, which defies this rule in the first instance because you need to show the funds are available to you. Had they wanted to, they could have refused on that ground alone. Those arrangements need to be rigorously explained.
In your case, the irregular deposits came from transferring funds from another account which belongs to you. This can be overcome by simply including an explanatory note along with the other statements such that the debits from one account agree with the credits in the other account. This makes the provenance of the funds clear.
In the comments below your question, you ask if you should compound the problems by lying. At the moment, your history now contains a refusal suggesting credibility issues. If you get caught lying in a subsequent application, your credibility will be further damaged. If and when your credibility becomes depleted, you will be locked in to refusals on that ground alone.
answered Feb 9 '15 at 15:36
Gayot Fow
74k20192371
add a comment |Â
1 Answer
1
active
oldest
votes
1 Answer
1
active
oldest
votes
active
oldest
votes
active
oldest
votes
up vote
9
down vote
Update 19 July 2015
In April 2015 new visitor rules activated as a result of the on-going Simplification Project. The text cited below was replaced with text that makes the rules easier to understand. The new rules are at Appendix V, and the operative text is in Paragraph V 4.2 (e).
...must have sufficient funds...
Simpler. Easier to understand. But a whole lot more nuanced and subtle...
The press release is at Changes to the UK's Visa Services.
All of the same principles put forward in the original answer still apply, and decision-makers still use the same criteria to assess an applicant's credibility.
Original Answer
Your bank accounts suggested that you were using a 'funds parking' strategy, and the ECO challenged your credibility as a result; hence a refusal. They also consider the parking strategy to be a mild form of deception, which commensurately damages your credibility.
Briefly, the 'funds parking' strategy involves having a friend or relative inflate your account by giving you a temporary loan which you repay after the visa has been issued. But when they detect this strategy, they are entitled to refuse on Paragraph 41 (vi), which says in part
will maintain and accommodate himself and any dependants adequately out of resources
available to him
with emphasis on 'available to him'. You used your mother's bank account, which defies this rule in the first instance because you need to show the funds are available to you. Had they wanted to, they could have refused on that ground alone. Those arrangements need to be rigorously explained.
In your case, the irregular deposits came from transferring funds from another account which belongs to you. This can be overcome by simply including an explanatory note along with the other statements such that the debits from one account agree with the credits in the other account. This makes the provenance of the funds clear.
In the comments below your question, you ask if you should compound the problems by lying. At the moment, your history now contains a refusal suggesting credibility issues. If you get caught lying in a subsequent application, your credibility will be further damaged. If and when your credibility becomes depleted, you will be locked in to refusals on that ground alone.
answered Feb 9 '15 at 15:36
Gayot Fow
74k20192371
add a comment |Â
up vote
9
down vote
Update 19 July 2015
In April 2015 new visitor rules activated as a result of the on-going Simplification Project. The text cited below was replaced with text that makes the rules easier to understand. The new rules are at Appendix V, and the operative text is in Paragraph V 4.2 (e).
...must have sufficient funds...
Simpler. Easier to understand. But a whole lot more nuanced and subtle...
The press release is at Changes to the UK's Visa Services.
All of the same principles put forward in the original answer still apply, and decision-makers still use the same criteria to assess an applicant's credibility.
Original Answer
Your bank accounts suggested that you were using a 'funds parking' strategy, and the ECO challenged your credibility as a result; hence a refusal. They also consider the parking strategy to be a mild form of deception, which commensurately damages your credibility.
Briefly, the 'funds parking' strategy involves having a friend or relative inflate your account by giving you a temporary loan which you repay after the visa has been issued. But when they detect this strategy, they are entitled to refuse on Paragraph 41 (vi), which says in part
will maintain and accommodate himself and any dependants adequately out of resources
available to him
with emphasis on 'available to him'. You used your mother's bank account, which defies this rule in the first instance because you need to show the funds are available to you. Had they wanted to, they could have refused on that ground alone. Those arrangements need to be rigorously explained.
In your case, the irregular deposits came from transferring funds from another account which belongs to you. This can be overcome by simply including an explanatory note along with the other statements such that the debits from one account agree with the credits in the other account. This makes the provenance of the funds clear.
In the comments below your question, you ask if you should compound the problems by lying. At the moment, your history now contains a refusal suggesting credibility issues. If you get caught lying in a subsequent application, your credibility will be further damaged. If and when your credibility becomes depleted, you will be locked in to refusals on that ground alone.
answered Feb 9 '15 at 15:36
Gayot Fow
74k20192371
add a comment |Â
up vote
9
down vote
up vote
9
down vote
Update 19 July 2015
In April 2015 new visitor rules activated as a result of the on-going Simplification Project. The text cited below was replaced with text that makes the rules easier to understand. The new rules are at Appendix V, and the operative text is in Paragraph V 4.2 (e).
...must have sufficient funds...
Simpler. Easier to understand. But a whole lot more nuanced and subtle...
The press release is at Changes to the UK's Visa Services.
All of the same principles put forward in the original answer still apply, and decision-makers still use the same criteria to assess an applicant's credibility.
Original Answer
Your bank accounts suggested that you were using a 'funds parking' strategy, and the ECO challenged your credibility as a result; hence a refusal. They also consider the parking strategy to be a mild form of deception, which commensurately damages your credibility.
Briefly, the 'funds parking' strategy involves having a friend or relative inflate your account by giving you a temporary loan which you repay after the visa has been issued. But when they detect this strategy, they are entitled to refuse on Paragraph 41 (vi), which says in part
will maintain and accommodate himself and any dependants adequately out of resources
available to him
with emphasis on 'available to him'. You used your mother's bank account, which defies this rule in the first instance because you need to show the funds are available to you. Had they wanted to, they could have refused on that ground alone. Those arrangements need to be rigorously explained.
In your case, the irregular deposits came from transferring funds from another account which belongs to you. This can be overcome by simply including an explanatory note along with the other statements such that the debits from one account agree with the credits in the other account. This makes the provenance of the funds clear.
In the comments below your question, you ask if you should compound the problems by lying. At the moment, your history now contains a refusal suggesting credibility issues. If you get caught lying in a subsequent application, your credibility will be further damaged. If and when your credibility becomes depleted, you will be locked in to refusals on that ground alone.
answered Feb 9 '15 at 15:36
Gayot Fow
74k20192371
Update 19 July 2015
In April 2015 new visitor rules activated as a result of the on-going Simplification Project. The text cited below was replaced with text that makes the rules easier to understand. The new rules are at Appendix V, and the operative text is in Paragraph V 4.2 (e).
...must have sufficient funds...
Simpler. Easier to understand. But a whole lot more nuanced and subtle...
The press release is at Changes to the UK's Visa Services.
All of the same principles put forward in the original answer still apply, and decision-makers still use the same criteria to assess an applicant's credibility.
Original Answer
Your bank accounts suggested that you were using a 'funds parking' strategy, and the ECO challenged your credibility as a result; hence a refusal. They also consider the parking strategy to be a mild form of deception, which commensurately damages your credibility.
Briefly, the 'funds parking' strategy involves having a friend or relative inflate your account by giving you a temporary loan which you repay after the visa has been issued. But when they detect this strategy, they are entitled to refuse on Paragraph 41 (vi), which says in part
will maintain and accommodate himself and any dependants adequately out of resources
available to him
with emphasis on 'available to him'. You used your mother's bank account, which defies this rule in the first instance because you need to show the funds are available to you. Had they wanted to, they could have refused on that ground alone. Those arrangements need to be rigorously explained.
In your case, the irregular deposits came from transferring funds from another account which belongs to you. This can be overcome by simply including an explanatory note along with the other statements such that the debits from one account agree with the credits in the other account. This makes the provenance of the funds clear.
In the comments below your question, you ask if you should compound the problems by lying. At the moment, your history now contains a refusal suggesting credibility issues. If you get caught lying in a subsequent application, your credibility will be further damaged. If and when your credibility becomes depleted, you will be locked in to refusals on that ground alone.
answered Feb 9 '15 at 15:36
Gayot Fow
74k20192371
edited Jul 19 '15 at 14:28
answered Feb 9 '15 at 15:36
Gayot Fow
74k20192371
answered Feb 9 '15 at 15:36
Gayot Fow
74k20192371
answered Feb 9 '15 at 15:36
Gayot Fow
74k20192371
74k20192371
add a comment |Â
add a comment |Â
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2
This is a very common case. Large transactions on the bank accounts near visa application dates are always a red flag scenario and good grounds for refusal.
I got refused on the basis of two recent large deposits in the bank statement I provided (my mothers)Could you clarify what you did here ? Why did you provide your mother's bank statements ?– DumbCoder
Feb 2 '15 at 9:53
Thank you for your valuable input. I am currently unemployed which is the reason my mother will support me for this exam and trip. This is also why I showed her bank statement. The two large deposits (about 1400 GBP each) were my own savings in cash which I had deposited in her account last month. Do you think it is advisable for her to get a letter from her office stating that those payments were her housing allowance? Or is it better for me to tell the truth and say that those payments were my own savings from my previous job? Many thanks!
– Mehtab Alam
Feb 2 '15 at 20:54
2
You should always tell the truth (and provide every available evidence for it). Had you done so previously, you might well have been approved for the visa.
– Michael Hampton
Feb 3 '15 at 0:35