Settling my Filipino bf in UK:'adequate maintenance' rules

Whew! what a relief that is I'll sleep better tonight knowing I've saved the price of a Beer, actually most bars in PH are not quite the colour you paint them in, the small town I was settled in over there about 15mins drive out of Dumaguete City has around half a dozen Resto Bars and about the same again in places where the Filipinos go to drink play pool and sing it is unlikely you will see any foreigners in these as the Beers are never that cold. There is not even one of these Bars where it is possible to meet loose Ladies that are likely to approach you, now it may be possible for a Foreigner to approach a young woman there and get a date but the Lady is unlikely to be a loose woman. So if a man from my Town needs a service he would have to go down to the City for this and even there it is unlikely to have any more than a handful of places that provide this service.

As for myself I have spent hundreds of hours in Bars in various places throughout the Philippines, you must understand mostly I was doing research for the benefit of mankind, I lived in Mactan for a couple of years there was plenty of Bars hundreds of them but only a few that were known as places to pick up Bar girls, in the 8yrs I resided over there in PH I was only approached twice and propositioned, once in a Bar in Manila and one time in Ayala Mall in Cebu, of course by now I am now an ugly old Fecker and had I been 20yrs younger I'm sure I would have had lots more attention there from the ladies.

Even back here in UK in the town in which I live, this has around a population of around 50K there is not one place I know off where you can buy Sex, one time I asked a local Taxi Driver if there was a place for this and he did not know of one.

When I parted from my long term marriage of 36yrs I was soon to get back on the horse, I was 54yrs at this time and was on the dating sites mostly meeting Ladies of a similar age with the yellow stickers on them and well past their sell by date, if it did not happen on the first night it was guaranteed to happen on the second date, at the time I was Playing Guitar and I always had this with me when on a date, that box with 6 strings was a great panty remover, soon after this I was to read an article about the prevalence of STD's amongst people aged between 40 and 60 it had increased by 400% over the last 10yrs, then I changed over to the international dating sites, looking at women from eastern Europe, at this time Ryanair was doing very cheap flights to UK from these places for around £75 return, I would buy them a ticket and they would be coming over for a holiday with me, these women were of a younger age group most being 10 to 15yrs my junior unlike their UK counterparts they are ready to accept the man wearing the trousers in the house. Eventually I was to meet a Pinay that lived and worked in Italy and we were together for a year I was now in my late 50's, her and I had a Holiday over to the Philippines at the start of this Holiday everything was just perfect and I enjoyed meeting her extended family, then I made the decision to consider this as a place to retire to, by the end of our 3 week Holiday there was never any less that 10 of the family that were to sleep there, on a few nights there could be as much as 18 of them, on my return home I had my mind made up and planned to retire soon after that, however it would not be with that woman her extended Family was all too much for me.

So sorry took a while to reply! I checked with my bf and he says the Department of Works and Pensions knows that he is living with his parents rent-free. He gets Universal Credit too, and I think that can also be included in the computation. My bf says that while he doesn't use his UC for rent and utilities, he does use it to purchase his meds, so we think us being honest won't cause any problems (at least, I hope so!)

Will this be different from the Accommodation Letter that his parents will provide for the adequate accommodation requirement? I prepared two separate letters, but they're so similar that I'm not sure if I should just combine them.

Spoiler: Accommodation Letter 1 (For Adequate Accommodation)

To the Entry Clearance Officer:

We, [future FIL and MIL], parents of [bf], are writing to confirm that [bf] is currently living rent-free with us, and that we give his fiancée, [kuroneko], the permission to also live rent-free with us at the property located at [address].

The property is being rented by us, and it is a two-story detached house with three bedrooms and a living room. Currently, the only residents are ourselves, our son, and our daughter.

We can confirm that there is enough room for [kuroneko] to move in and live here together with us. They will have sole use of one bedroom.

We will support them as long as they need to stay here and will not request any payment nor contribution for the rent and household expenses.

The following documents are submitted in support of [kuroneko]’s application:

1. A copy of our birth certificates;
2. A copy of our daughter's birth certificate;
3. Letters from our landlord, the local authority, and Housing Authority;
4. Independent property inspection report; and,
5. A copy of our Council Tax bill.

If you require further information, please do not hesitate to contact us.

Thank you very much, and we hope for your kind consideration.

Spoiler: Accommodation Letter 2 (For Adequate Maintenance)

To the Entry Clearance Officer:

We, [future FIL & MIL], parents of [bf], are writing to confirm that [bf] is currently living rent-free with us at the property located at [address].

I, [future FIL], am a [occupation] with a net income of [income] per year. My wife, [future MIL], is a [occupation] with a net income of [income] per year. We both share the responsibility of paying for all the household expenses.

We will continue to support [bf] and provide him, as well as his fiancée, [kuroneko], free accommodation as long as they need to stay here and will not request any payment nor contribution for the rent and household expenses.

The following documents are submitted in support of [kuroneko]’s application:

1. Letters from our employers, confirming our occupation and salary;
2. Our 3-month bank statements;
3. Our 3-month water and electricity bills; and,
4. A copy of our rental/lease agreement.

If you require further information, please do not hesitate to contact us.

Thank you very much, and we hope for your kind consideration.

^I based the second letter on a format for visitor's accommodation letter, and I absolutely have no idea if it's correct, given that I'll be applying for a fiancée visa and NOT visitor's visa. Also, I'm not sure if they even need to provide their occupation and salary information, given that they're not my primary sponsor.

Uhmm... I also got lost with the flow of the convo whilst I was gone from the thread, but yeah -- my bf is a British citizen. He receives PIP coz he has autism, which makes it hard for him to get a job as well as to live on his own. Nothing too serious though~ We plan to go house/flat hunting once I get there~

Roll the 2 letters into one

Hohoho @HONEST DAVE - you know a bargain when you see one

They got rid of the official girlie bar here a long time ago - Now the girls simply going out fishing, normally in pairs, looking to catch the big one!

The Extended Family... good decision.

Hello, I revised it!

Spoiler: Revised Accommodation Letter

To the Entry Clearance Officer:

We, [future FIL and MIL], parents of [bf], are writing to confirm that [bf] is currently living rent-free with us, and that we give his fiancée, kuroneko, the permission to also live rent-free with us at the property located at [address].

I, [FIL], am a [occupation] with a net income of [income] per year. My wife, [MIL], is a [occupation] with a net income of [income] per year. We both share the responsibility of paying for all the household expenses.

The property is being rented by us, and it is a two-story detached house with three bedrooms and a living room. Currently, the only residents are ourselves, our son, and our younger daughter.

We can confirm that there is enough room for kuroneko to move in and live here together with us. [Bf] and kuroneko will have sole use of one bedroom.

We will continue to support [bf] and provide him, as well as his fiancée, kuroneko, free accommodation as long as they need to stay here and will not request any payment nor contribution for the rent and household expenses.

The following documents are submitted in support of kuroneko's application:

1. Our birth certificates;
2. Our daughter's birth certificate;
3. Letters from our employers, confirming our occupation and salary;
4. Our 3-month bank statements;
5. Our 3-month water and electricity bills;
6. Our rental book and rental/lease agreement;
7. Letters from our landlord, the local authority, and Housing Authority;
8. Independent property inspection report; and,
9. A copy of our Council Tax bill.

If you require further information, please do not hesitate to contact us.

Thank you very much, and we hope for your kind consideration.

I dunno if the ones in red are needed though, since my bf is my sponsor and not them. In my understanding, what's going to be computed is my bf's savings and financial sources (PIP + UC). Then again, his parents are the ones who pay for their household bills, so I dunno if it's gonna be relevant..

Speaking of finances, do I need to provide my bank statement too? I don't think my savings are enough to be relevant in their computation. And since my savings aren't really hefty, I'm a bit worried it might negatively affect my application. I do have an online job, but I'm not sure if it's relevant either.

Thanks in advance for any insight/advice!

As you suggest I would drop the red.

Okay, thanks!

What about my bank statement and online job though. Should I mention them, or is it better to just leave them out? I reckon they will consider both my and my bf's finances in the computation, but yeah, mine doesn't really have any significant impact on it.

As you cannot undertake any kind of work under the rules of a fiancée visa I would leave them out!

Okay, thank you so much!

Hello again! My fiancé is having trouble obtaining his bank statements. The rules say the statements should be on official paper and/or has the official stamp of the bank. The problem is he says his bank only issues up to 3 months of bank statement, and that they can't stamp the bank statement he printed himself from his online bank account. The rules don't really say for how many months we should provide, but they DO say that my fiancé needs to provide evidence that's he's been receiving PIP for the past 12 months, and that his savings remain untouched for the past 6 months. How do we show this? Thanks in advance!

The internet statements are fine providing you capture the bank logo and registered office in the print area. Most banks set up their internet statements pages exactly the same as if they printed it for you.
No need to get stamped, notorised or anything like that. Download onto your PC then upload on the documents section of the application ( additional actions process at end of application on Sopra Sterie site.
You should be able to get 6 months of statements off your bank internet site. Once logged into your account

Re He needs either a letter off the DWP from when he was awarded PIP or 12 months statements of his PIP payments, it does not say that his savings remain untouched what it says is that the savings amount needs to have been in the account 6 months, so as an example if you had £2000 in the account 6 months ago, and have £4000 in that account now, they will regard the lowest amount as the actual savings so it would be £2000.

Oh, that's good to hear; thank you!

Ohh.. Well, that makes more sense! He refused to touch his savings account for half a year, but at least he managed to grow it due to the misunderstanding. XD Thanks!

Okay, just an update -- my fiancé found a place to rent for us. He will officially occupy it next week. According to this site, they only consider the rent, council tax, and mortgage, which means that we can finally apply for the visa even without the utility bills yet. HOWEVER, the UKVI site asks for his cost of living, which implies that they also...require the utility bills? I have no idea what value to put there either, utility bills or no, since it says it should include food, travel, and phone expenses as well. In addition to that, since he has autism and can't really work, his mum gives him pocket money for those. But then, the calculation for adequate maintenance does not account for that, which means we won't be able to meet it. Any advice on what to do? Please and thank you!

Just ask the utility providers to set up a monthly DD payment plan--and use their figures as evidence of cost.

I havent read all your postings--so can i ask if you have met your future in laws yet ?

@UKDJ and @Heathen probably be able to have a big input to help you!

I haven't seen them in person yet, but I chat with his mum, mostly pleasantries, and lately, regarding my move to the UK and the upcoming wedding.

Thanks @Mattecube I have never had to use the AMR but will have a go at breaking it down into simple english

A minus B Has to be larger than C

A. Is total WEEKLY net Income.
B. Is WEEKLY Housing costs.
C. Is the weekly Income Support an equivalent family would receive.

A. Weekly net in this case will be whatever benefit the sponsor receives plus cash savings she mentioned previously, I believe cash savings in this instance will be every £ (not after £16k), I also believe that in a Fiancee visa application the Savings will need to be divided by 26 weeks (the length of Fiancee visa) to give a WEEKLY amount.

B. Housing costs will be, Rent, Council Tax, Mortgage payments, there is NO mention of Bills which will be impossible to estimate as they are not living in property as yet. remember these costs will need to be divided by 52 to give the WEEKLY figure, and an important point to remember Documentation will have to be provided to support the figures otherwise the application will likely be refused, having NO documentation for estimates would likely not help the application.

C. This is the weekly Income Support that a equivalent family will receive https://www.rightsnet.org.uk/resources/benefit-tax-credit-rates#income_support You will take that weekly rate from this table of Benefits.

If A minus B are greater or equal to C then you are good to go...

The following are taken from the Migrate website;

What housing costs have to be included in the adequate maintenance calculation?

Three main costs will need to be included and evidenced:

• Rent;
• Council Tax; and
• Mortgage payments

Remember – only deduct the weekly housing costs – personal debt should not be considered in the calculation.

“Hold on, did you say to only divide the figure by 26 for fiancé visas?”

That’s correct – and it is a relatively low threshold to satisfy the adequate maintenance requirement for fiancé visas.

This is because of paragraph 12B(b) of Appendix FM-SE, which states that the total cash savings that meet the requirements of paragraphs 11 and 11A of Appendix FM-SE is to be divided by “the number of weeks of limited leave which would be issued if the application were granted”.

As stated by D-ECP.1.1. of Appendix FM, fiancé(e) and proposed civil partners are “granted entry clearance for a period not exceeding 6 months”.

Six months is 26 weeks.

https://www.migrate.org.uk/adequate-maintenance-test-guidance-uk-visas/

This is where I have read the above and I would be far happier if another forum member could read and verify what I have written.. thanks.

I notice the member has said that if they include Utility Bills, Food, Travel, Phone expenses then they won't be able to meet the AMR , however Migrate state not to include personal debt but then make no mention of personal expenses, sorry I can't be more helpful..

Yeah, as I understood it, utilities and personal expenses are NOT included in the computation. But then UKVI asks for my fiancé's monthly cost of living, and specifically says to include food, utilities and travel expenses, and now I'm confused.. For one thing, I dunno what they're gonna use it for (since not part of the computation, apparently.) Then gathering evidences for whatever value I input is another problem, not to mention justifying his funds..

I really don't know how you are supposed to calculate things such as Food, and Travel.

How does this sound, put in the Rent and Council Tax, then phone bill or statement showing payment, Travel just say he has a Bus Pass (Copy it), Food could be anything, with regards evidence they just have to take your word for it.