Skip to main content
All sample reviews

The application

Awards ceremony trip, refused on funds

A 33-year-old safety officer applies for a Standard Visitor visa to attend an awards ceremony at a university in Coventry on 7 September 2026. The purpose is properly evidenced — an invitation, a visa letter from the awarding body, accommodation booked for the exact dates, and employer leave approved. The funds are not: most of the balance relied upon arrived as a single inherited lump sum with no probate documents behind it, and no flight has been booked.

Fictional case. Written to match the depth and wording of a real SaviCheck review, but every name, document number, bank, employer and address is invented.

Case file · Ref SAMPLE-REFUSE-01

Likely Refusal

Nirasha Gunawardena · Standard Visitor visa · reviewed 25 August 2026

Medium confidence

Based on the documents assessed, an entry clearance officer would likely refuse this application as currently prepared.

Some requirements were judged on partial or indirect evidence.

In summary

The purpose of the visit — attendance at the Global Safety Standards Board awards ceremony at Midshire University, Coventry on 7 September 2026 — is a permitted activity and is well evidenced by the awarding body's invitation, its visa letter, an accommodation booking matching the stated dates and an employer letter granting leave for exactly those dates.

The application nevertheless fails on funds: the great majority of the balance relied upon (LKR 674,200.00 credited to the National Trust Bank account on 20 May 2026 as a "DECEASED-NOMINATED" account closure) is an estate distribution with no supporting documentation of source or entitlement and must be discounted, leaving £726.41 of evidenced funds against a declared trip cost of £1,050.00 for which no flight booking has been produced.

The bundle also contains a material contradiction: the statement of purpose describes the applicant's father as deceased, while her own application form states that her father owns the property in which she lives, and no partner, children or dependants are declared, so her remaining family ties are limited.

On the papers as submitted the requirements at V 4.2(a) and V 4.2(e) are not met.

This is document-readiness guidance, not legal advice or a prediction of a visa decision.

Financial position

The figures behind the funds assessment, and how they were arrived at.

Net monthly income£270.79
Monthly expenditure£80.00
Monthly disposable income£190.79
Cost of the proposed visit£1,050.00
Visit cost vs monthly disposable income5.5×

Funds counted

£726.41

Source is evidenced.

Not counted — source not evidenced

£1,503.22

Declared, but with no documented history to show where it came from.

How these figures were reached

Income
July 2026 payslip net salary LKR 121,450.00 = £270.79 at £1 = 448.505 LKR as at 2026-08-25, corroborated by the matching credit to Lakwin Bank account 4402118735 on 24 July 2026 and consistent with the six payslips from February to July 2026 (net LKR 112,800.00 to 219,400.00, the May figure including a bonus).
Expenditure
£80.00 as declared on the application form; note that this excludes the documented monthly loan instalment of LKR 14,850.00 (£33.11) visible throughout the Lakwin Bank statement, so true disposable income is likely nearer £158.
Disposable
£270.79 − £80.00 = £190.79.
Trip cost
declared £1,050.00 on the form and in the statement of purpose; evidenced costs in the bundle are accommodation £412.50 (seven nights, Coventry) and academic dress hire £47.00, with no flight evidence at all — the higher declared figure of £1,050.00 has been used.
Ratio
£1,050.00 ÷ £190.79 = 5.50.
Funds counted
Lakwin Bank savings LKR 24,600.00 + fixed deposit LKR 100,000.00 + current LKR 95,000.00 + Serendib Savings Bank savings LKR 6,200.00 + Serendib fixed deposit LKR 100,000.00 = LKR 325,800.00 = £726.41; the two Lakwin deposits opened on 20 and 25 July 2026 are traceable in the statement to transfers out of the salary account and are therefore treated as evidenced.
Funds excluded
the National Trust Bank balance attributable to the credits of LKR 612,300.00 and LKR 61,900.00 on 20 May 2026, marked "DECEASED-NOMINATED CLS TRF", totalling LKR 674,200.00 = £1,503.22 — an estate distribution with no death certificate, grant of representation or bank confirmation of entitlement; stripped of those credits the account would carry a nil balance. Decision on the evidenced figure: £726.41 of funds plus £190.79 monthly disposable income does not meet a £1,050.00 trip cost that does not yet include an evidenced return airfare, so V 4.2(e) is not met.

£1 = 448.505 LKR as at 2026-08-25

Findings

Each requirement is assessed against the Immigration Rules Appendix V.

Identity and nationality

Met

The bio-data page of Sri Lankan passport N7314902 has been provided, showing GUNAWARDENA, Nirasha, female, born 13/07/1993 at Kegalle, issued 26/04/2023 and valid to 26/04/2033. The passport number, name and date of birth agree with the application form, the certified translation of national identity card 958471203V, the birth certificate and the awarding body's letter. Sri Lanka is listed at VN 1.1(a), so the applicant is a visa national who must obtain entry clearance before travel; she is doing so. Identity and nationality are satisfactorily established.

V 2.3(c)V 1.1
4 documents reviewed
  • passport-bio-page.jpg
  • national-identity-card-with-sworn-translation.pdf
  • birth-certificate.pdf
  • visa-application-form.pdf

Suitability

Met

On the application form the applicant declares no criminal convictions, cautions or civil judgments, no previous visa refusal, refusal of entry, deportation, removal or exclusion by any country, no illegal entry, overstaying or breach of conditions, and no adverse character, extremism or war-crimes matters. Nothing in the bundle contradicts those declarations. This finding rests on the applicant's own declaration and will be verified against Home Office records when the application is decided.

V 3.1
1 document reviewed
  • visa-application-form.pdf

Genuine visitor - purpose and permitted activity

Met

The stated purpose is attendance at the Global Safety Standards Board awards ceremony at Midshire University, Coventry on Monday 7 September 2026, followed by short tourism. This is confirmed independently by the awarding body's letter of 13 July 2026 (learner number 00834576, passport N7314902) and by its invitation email of 1 May 2026. Attending a ceremony and sightseeing fall within PA 2 (tourism and leisure) and the ceremony is not a course of study, so V 9.1 to V 9.5 are not engaged. The accommodation confirmation for a guest house on Longford Road, Coventry (check-in 4 September, check-out 11 September 2026, one adult) matches the dates on the form and in the employer's leave approval, and both dates fall after the assessment date of 25 August 2026. The itinerary is internally coherent.

V 4.2(c)V 4.4
6 documents reviewed
  • awarding-body-visa-letter.pdf
  • awards-ceremony-invitation.pdf
  • accommodation-booking-confirmation.pdf
  • employer-leave-confirmation.pdf
  • statement-of-purpose.docx
  • visa-application-form.pdf

Prohibited activities

Met

There is no indication of an intention to work, to fill a role in a UK organisation, to receive payment from a UK source, to study, to access medical treatment or to marry in the UK. The awarding body expressly states it has no financial responsibility for the applicant during the visit. The applicant remains employed and paid by Ranmal Aluminium PLC in Sri Lanka throughout, as confirmed by the employer letter and payslips.

V 4.4V 4.5V 4.6
4 documents reviewed
  • awarding-body-visa-letter.pdf
  • employer-leave-confirmation.pdf
  • payslips-feb-jul-2026.pdf
  • visa-application-form.pdf

Genuine visitor - ties and intention to leave

Not met
Each limb has been graded separately
FAMILY TIESLIMITED
The form records relationship status 'Single' and answers 'No' to 'Does anyone rely on you for financial support?'. There is no partner, no child and no dependant. The statement of purpose asserts that the applicant is primary caregiver to her 73-year-old mother, but it qualifies this to weekends only, and the form — the applicant's own formal declaration — records that nobody relies on her. The caregiving claim therefore cannot be credited as a dependency tie.
ECONOMIC TIESMODERATE
Employment as Executive – Environment, Health & Safety with Ranmal Aluminium PLC is properly evidenced by the HR letter of 30 July 2026, six payslips from February to July 2026 and matching salary credits to Lakwin Bank account 4402118735; leave from 4 to 11 September 2026 is approved and continuing employment confirmed. However, the applicant has been in this employment only since 1 April 2025, a relatively short period, and the evidenced net income is modest at approximately £270.79 per month.
PROPERTY AND ONGOING COMMITMENTSWEAK
The form states that the home at 77/92, Gangodawatta, Kegalle is owned by her father, so it is not her tie. Enrolment on a postgraduate diploma in sustainable process engineering is supported by the university's acknowledgement of an LKR 200,000 fee payment, but the most recent document relating to that course is dated 30 June 2025 and there is nothing confirming that she remains registered or has lectures to return to in September 2026.
TRAVEL HISTORYNEUTRAL
The form records zero visits to the UK, the EEA, Australia, Canada, New Zealand, the USA or Switzerland in the past ten years and no other overseas travel; an absence of travel history is neutral to weak and is not a positive factor.
UK PULL FACTORSNEUTRAL
The form records no family in the UK.
CREDIBILITYDAMAGED
The statement of purpose refers to the applicant's late father and relies upon the closure of his nominated bank account to fund the trip, whereas the application form states in the present tense that her father owns the property in which she lives and lists him in the parent details without qualification. That contradiction, on a matter going to both her home circumstances and the source of her funds, is unexplained.
BALANCE
Weighing the limbs, one core limb is limited and the economic limb rests on short tenure and modest income, so this requirement cannot be met on the strength of the purpose evidence alone.
V 4.2(a)V 4.2(b)
8 documents reviewed
  • visa-application-form.pdf
  • statement-of-purpose.docx
  • employer-leave-confirmation.pdf
  • payslips-feb-jul-2026.pdf
  • mother-hospital-discharge-record.pdf
  • postgraduate-diploma-inauguration-email.pdf
  • course-fee-payment-receipt.pdf
  • national-trust-bank-statement.pdf

Sufficient funds and maintenance

Not met

Converting at £1 = 448.505 LKR as at 2026-08-25: net salary of LKR 121,450.00 for July 2026 is £270.79 per month, which corroborates the £270.00 declared on the form. Declared monthly outgoings are £80.00, giving monthly disposable income of £190.79. The declared trip cost is £1,050.00; the evidenced costs in the bundle are accommodation at £412.50 and academic dress hire at £47.00, with no flight booking or itinerary produced at all, so the higher declared figure of £1,050.00 has been used. That proposed expenditure is approximately 5.5 times the applicant's monthly disposable income. Turning to savings: the balances confirmed by Lakwin Bank on 30 July 2026 (savings LKR 24,600.00; fixed deposit LKR 100,000.00; current LKR 95,000.00) and by Serendib Savings Bank on 31 July 2026 (savings LKR 6,200.00; fixed deposit LKR 100,000.00) total LKR 325,800.00, that is £726.41, and their accumulation can be traced to salary credits in the Lakwin Bank statement. The National Trust Bank balance of LKR 674,200.00 is a different matter: the statement shows it arises almost entirely from two credits on 20 May 2026 of LKR 612,300.00 and LKR 61,900.00 marked 'DECEASED-NOMINATED CLS TRF'. This is an estate distribution supported by no death certificate, grant of representation, or bank confirmation of entitlement — only the applicant's narrative in her statement of purpose. A lump sum with no documented history behind it carries little weight and has been excluded: £1,503.22 is discounted. Excluding it, the National Trust Bank account itself would stand at a nil balance. Restating the position on evidenced funds only: £726.41 available, plus £190.79 of monthly disposable income, against a trip costing £1,050.00 which does not yet include an evidenced return airfare from Colombo. The evidenced funds do not cover the visit. It is also noted that the Lakwin Bank statement discloses a loan disbursement of LKR 300,000.00 on 8 January 2026 and a recurring instalment of LKR 14,850.00 per month (£33.11), an ongoing commitment absent from the £80.00 monthly expenditure declared on the form, and that the £2,000.00 of savings declared on the form is only reachable by counting the discounted estate money. I am not satisfied that you have accurately presented your financial circumstances. No third party is relied upon, so V 4.3 does not assist.

V 4.2(e)V 4.3
9 documents reviewed
  • lakwin-bank-balance-confirmation.pdf
  • serendib-bank-balance-confirmation.pdf
  • lakwin-bank-statement.pdf
  • national-trust-bank-statement.pdf
  • payslips-feb-jul-2026.pdf
  • accommodation-booking-confirmation.pdf
  • awards-ceremony-invitation.pdf
  • statement-of-purpose.docx
  • visa-application-form.pdf

Action items

Address these before submitting your application.

3 must-fix · 4 recommended

CriticalEvidence of the source of the National Trust Bank funds (LKR 674,200.00 credited 20 May 2026)

The balance you rely upon to fund the trip arrived as a single 'DECEASED-NOMINATED' account closure transfer with no documentation of its source or of your entitlement to it, so it has been excluded from your available funds entirely.

What to do

Submit the death certificate of the account holder, a letter from National Trust Bank confirming that you were the registered nominee and the basis on which the funds were released to you, and any grant of representation or estate distribution document. Include a short covering note tying these documents to the two credit entries of LKR 612,300.00 and LKR 61,900.00 dated 20 May 2026.

V 4.2(e)
CriticalFlight booking / travel itinerary

No flight reservation, ticket or itinerary is in the bundle, so neither the cost of the return journey nor your intention to depart on 11 September 2026 is evidenced.

What to do

Submit a return flight reservation (Colombo–UK–Colombo) showing arrival on or about 4 September 2026 and departure on 11 September 2026, together with the fare paid or quoted, and update your declared trip cost so that flights, the £412.50 accommodation, the £47.00 academic dress hire and daily living costs are itemised and add up.

V 4.2(a)V 4.2(e)

6 more action items in the full review

Everything above — the verdict, the reasoning behind every finding and the funds arithmetic — is the complete review. The rest of the fix list is what you get on your own application, together with the improvement report as a PDF.

Review my documents — $10 for 2

Conditions of a valid application

Steps in the gov.uk application process, not findings about your evidence. They were not assessed and do not affect the verdict — but an application that does not meet them is rejected as invalid without being considered (V 2.6).

  • Submit the online application on gov.uk

    The application must be made online on the gov.uk form "Apply for a UK visit visa". This is a step in the gov.uk process — you may already have done it. It was not assessed and has no bearing on the findings above.

    V 2.1
  • Pay the application fee

    The required fee must have been paid for the application to be valid. This is a step in the gov.uk process — you may already have done it. It was not assessed and has no bearing on the findings above.

    V 2.3(a)
  • Enrol your biometrics at a visa application centre

    You must provide your biometrics (fingerprints and photograph) at a visa application centre when required to do so. This happens after you apply online — you may already have an appointment booked. It was not assessed and has no bearing on the findings above.

    V 2.3(b)

Simulated refusal notice

Home-Office-style wording based on the unmet requirements. This is a simulation, not an official visa decision.

  • V 4.2(e)

    You have stated that you will spend £1,050.00 on your visit and that you have £2,000.00 in savings. Your evidenced net monthly income is £270.79 and your declared monthly outgoings are £80.00, leaving £190.79 of disposable income per month; your proposed expenditure is approximately 5.5 times that figure. You rely principally on a balance of LKR 674,200.00 (£1,503.22) held with National Trust Bank, but your own statement shows that this balance derives almost entirely from two credits of LKR 612,300.00 and LKR 61,900.00 received on 20 May 2026 on the closure of a deceased nominee's account. You have provided no death certificate, grant of representation, or confirmation from the bank or the estate to evidence the source of, or your entitlement to, these funds, and I therefore place little weight on them. Your remaining evidenced funds across your Lakwin Bank and Serendib Savings Bank accounts amount to LKR 325,800.00 (£726.41). You have submitted no flight reservation or itinerary, so the cost of your return journey is not evidenced. Your bank statement further discloses a monthly loan instalment of LKR 14,850.00 (£33.11) which is not reflected in the monthly expenditure you declared. On the evidence before me I am not satisfied that you have sufficient funds to cover all reasonable costs in relation to your visit, including the cost of the return journey, without working or accessing public funds, and I am not satisfied that you have accurately presented your financial circumstances.

  • V 4.2(a)

    I am not satisfied that you will leave the UK at the end of your visit. You are single, you have declared no partner, no children and no dependants, and you have confirmed on your application form that nobody relies on you for financial support; you have therefore demonstrated limited remaining family ties to your country of origin. You have only been in your current employment since 1 April 2025, a relatively short period, and the property in which you live is owned by your father rather than by you. You have no previous travel history to the UK or to any other country in the last ten years. Your credibility is further undermined by an unexplained inconsistency in your evidence: your statement of purpose describes your father as deceased and relies upon the closure of his nominated bank account to fund your trip, while your application form states in the present tense that your father owns the property in which you live. Your statement of purpose also asserts that you are the primary caregiver for your mother, which is not consistent with your declaration on the form that no person relies on you. Taking your circumstances as a whole, I am not satisfied that you are a genuine visitor who will return to Sri Lanka at the end of the proposed visit.