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stuartsko

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Posts posted by stuartsko

  1. Actually they do, do you know what gateway is???

    I thought I did. I thought it was a method for outsiders to communicate with the government.

    This implies that the technology should be there for UKVI to browse HMRC records. But perhaps each access rather than each accessor has to be individually approved. The FoI reply claims that each request but UKVI for HMRC information has to be approved, and I don't think 'tell us everything about every ordinary person' would be approved.

    I presume that you aren't assuming that GCHQ (or the CIA on its behalf) has passed the identity information to UKVI and its predecessors.

    But back to the paperwork... Modern packages print p60s directly from hmrc... If a case worker can't spot a fake one from a real one that is not my problem..

    P60s are not asked for - and with employment of only 6 months, might not be available. Payslips are asked for. I have often wondered how payslips from a small employer are supposed to be checked by an Entry Clearance Officer.

    Your quoting the CIA and GCHQ to me and calling me the conspiracy theorist haha

  2. Looks like spouse visa is the way to go then. Any answers for the following?

    "As part of the spouse visa documents required: She is hill tribe, Laos border, Akha. She was married per hill tribe customs, and has two adult children by that. No paperwork exists for that of course, so by thai law she was never married. A spouse visa requires that we prove any prior marriages have broken down iretrievably. How do we go about that? Do I just get documents from the amphur showing that her only recorded marriage is to me or something? How do we explain two adult children?"

    If there is no paperwork then there was no previous marriage... Just ignore the fact, people can have kids out of wedlock.. Nothing to worry about really

  3. Trevor I thought you ran your own business??? If you did you would know that all modern wages packages are now integrated with hmrc and submit online... All the forms are now downloaded through the wages packages directly from hmrc... Why don't you know this???? Judging from your comments I dread to think what kind of business you run.. I wouldn't trust you to run a corner shop

    You're making the same mistake as many conspiracy theorists - you are assuming joined-up government. I just found this wonderful answer in an FoI reply made this year about UKVI access to HMRC records:

    HO caseworkers do not as a matter of routine have direct electronic access to information held by another government department or public body therefore they would need to make a formal request to that body for any information they require to make a decision on an application.

    You wouldn't run a business the way the UKVI is run!

    I suppose the answer might be a lie.

  4. Stuart, this is nothing to do with conspiracies or the rothschilds (?). We are trying to help you. The rules can be quite complex in certain areas especially with regards to self-employment. I don't know all the ins and outs of the rules but I think there must be some conditions applied in respect of a husband paying wages to his wife.

    Let me give a possible scenario :-

    UK man married to Thai wife applying for FLR in 6 months time. They have no jobs, no other income. They only have just over £10,000 in the bank. So in no way can they meet the financial requirements for FLR.

    So man sets up a company and pays his wife £9300 for 6 months. So she can now demonstrate earnings of £18600 pa and thereby qualify for the visa. No income tax liability because she will earn less than her personal allowance for tax. She might even be able to claim tax credits! Only expenses would be minimal - cost of setting up a company plus possible national insurance costs.

    If all this was possible to get the visa then everyone could do it so there surely must be stringent conditions against this contained in the visa rules.

    Be interesting to hear what 7by7 has to say about it.

    I am glad that you raised this scenario as it is very similar to the one I could see as getting past scrutiny. A cash in hand working exceeds the threshold but can't substantiate what he earns as the paperwork that a self employed person submits is much more onerous.

    I am not sure that you would even have to go as far as setting up a company, would UKVI really go to all the lengths of verifying a company at Companies House or follow up on references.

    Just get some free payroll software, knock off the pay slips, P60, put the same amount of cash into your bank account as the net pay. Download an employment contract and it all on the face of it meets the guidelines. The joke is as an employee you only supply 6 months worth of pay slips.

    Now I would never suggest that anybody does that but it is possible.

    Trevor I thought you ran your own business??? If you did you would know that all modern wages packages are now integrated with hmrc and submit online... All the forms are now downloaded through the wages packages directly from hmrc... Why don't you know this???? Judging from your comments I dread to think what kind of business you run.. I wouldn't trust you to run a corner shop

    Well you completely missed the point so I will elaborate. Who said anything about pressing the submit button. You can produce a pay slip without submitting to HMRC. No they are not generated by HMRC. Only if you chose to use their s/w package. I use a third party package because I could never get their package to work on my computer. At the year end you have a load of fake pay slips. So having produced the iffy pay slip do a roll back the submit a zero return to keep HMRC happy. I was very generous to you and did not suggest anything suspicious but since you want to raise the tempo if you wife's FLR is a year way I don't see why you aren't planning to get the accounts in order to submit with the FLR application. You painted this up as ruse to pay your wife to avoid getting into the 40% tax bracket so by upping your wife's salary to £18600 you avoid 40% tax and she alone meets the earnings requirement.

    Well that is one thing but what I don't get is why you are doing this to avoid the hassle of submitting the paperwork since this would have to be generated anyway for company purposes which leaves me to believe that there is far more to this than meets the eye.

    I knew that my problem was getting the 2014/15 accounts in time to meet my wife's FLR application so I had the fore thought to get the accountant into gear to produce the accounts early ready for the FLR.

    The next problem I have is that the ILR is in May 2017 so no way can I get 2016/17 accounts in time. I am now closing the financial year in December to run two full 12 month Jan - Dec years.

    I haven't thrown up my hands and said this is all too difficult lets pay the wife £18600 a year as cleaner or dogs body and I can forget submitting the company stuff.

    Zero risk? Well your choice if yours if you wish to risk a rejection. 7by7 says this is perfectly legal. I am suspicious as to why you are so keen to avoid having to submit legitimate paper work.

    Well the forms wouldn't look genuine would they... You have to press the submit button to get the forms... My word just keep digging deeper.. If you read my posts properly I was doing it to reduce my tax liability... I'm already well into the 40% tax bracket... You can produce the wage skips with any package but not the p60 which I would be including in my wife's application... Also my company has been trading 12years and has a massive online presence on reviews forums etc, would be very obvious it isn't a company that has been set up for 6 months to filter some money through one of your Dodgey wages packages... Really I can't get my breath... How did you ever end up with your own company????

    Also my wife earns her money and grafts, she works 30 hours a week treading in sawdust and shit every day, she gets inside machines and cleans and oils them, she fills the airline bottles up with oil, dismantles the ducting systems and cleans them.. Why shouldn't she get paid the same as an operator.. What my wife does is hard graft, £20 an hour is easily justifiable.., I don't know what your wife is capable of and I don't care... I don't pre judge people's situations like you do.. But one thing I do know from the comments you have posted is you will never go far, and haven't got a clue about business

  5. Stuart, this is nothing to do with conspiracies or the rothschilds (?). We are trying to help you. The rules can be quite complex in certain areas especially with regards to self-employment. I don't know all the ins and outs of the rules but I think there must be some conditions applied in respect of a husband paying wages to his wife.

    Let me give a possible scenario :-

    UK man married to Thai wife applying for FLR in 6 months time. They have no jobs, no other income. They only have just over £10,000 in the bank. So in no way can they meet the financial requirements for FLR.

    So man sets up a company and pays his wife £9300 for 6 months. So she can now demonstrate earnings of £18600 pa and thereby qualify for the visa. No income tax liability because she will earn less than her personal allowance for tax. She might even be able to claim tax credits! Only expenses would be minimal - cost of setting up a company plus possible national insurance costs.

    If all this was possible to get the visa then everyone could do it so there surely must be stringent conditions against this contained in the visa rules.

    Be interesting to hear what 7by7 has to say about it.

    I am glad that you raised this scenario as it is very similar to the one I could see as getting past scrutiny. A cash in hand working exceeds the threshold but can't substantiate what he earns as the paperwork that a self employed person submits is much more onerous.

    I am not sure that you would even have to go as far as setting up a company, would UKVI really go to all the lengths of verifying a company at Companies House or follow up on references.

    Just get some free payroll software, knock off the pay slips, P60, put the same amount of cash into your bank account as the net pay. Download an employment contract and it all on the face of it meets the guidelines. The joke is as an employee you only supply 6 months worth of pay slips.

    Now I would never suggest that anybody does that but it is possible.

    Trevor I thought you ran your own business??? If you did you would know that all modern wages packages are now integrated with hmrc and submit online... All the forms are now downloaded through the wages packages directly from hmrc... Why don't you know this???? Judging from your comments I dread to think what kind of business you run.. I wouldn't trust you to run a corner shop

    Well you completely missed the point so I will elaborate. Who said anything about pressing the submit button. You can produce a pay slip without submitting to HMRC. No they are not generated by HMRC. Only if you chose to use their s/w package. I use a third party package because I could never get their package to work on my computer. At the year end you have a load of fake pay slips. So having produced the iffy pay slip do a roll back the submit a zero return to keep HMRC happy. I was very generous to you and did not suggest anything suspicious but since you want to raise the tempo if you wife's FLR is a year way I don't see why you aren't planning to get the accounts in order to submit with the FLR application. You painted this up as ruse to pay your wife to avoid getting into the 40% tax bracket so by upping your wife's salary to £18600 you avoid 40% tax and she alone meets the earnings requirement.

    Well that is one thing but what I don't get is why you are doing this to avoid the hassle of submitting the paperwork since this would have to be generated anyway for company purposes which leaves me to believe that there is far more to this than meets the eye.

    I knew that my problem was getting the 2014/15 accounts in time to meet my wife's FLR application so I had the fore thought to get the accountant into gear to produce the accounts early ready for the FLR.

    The next problem I have is that the ILR is in May 2017 so no way can I get 2016/17 accounts in time. I am now closing the financial year in December to run two full 12 month Jan - Dec years.

    I haven't thrown up my hands and said this is all too difficult lets pay the wife £18600 a year as cleaner or dogs body and I can forget submitting the company stuff.

    Zero risk? Well your choice if yours if you wish to risk a rejection. 7by7 says this is perfectly legal. I am suspicious as to why you are so keen to avoid having to submit legitimate paper work.

    Well the forms wouldn't look genuine would they... You have to press the submit button to get the forms... My word just keep digging deeper.. If you read my posts properly I was doing it to reduce my tax liability... I'm already well into the 40% tax bracket... You can produce the wage skips with any package but not the p60 which I would be including in my wife's application... Also my company has been trading 12years and has a massive online presence on reviews forums etc, would be very obvious it isn't a company that has been set up for 6 months to filter some money through one of your Dodgey wages packages... Really I can't get my breath... How did you ever end up with your own company????

  6. Stuart, this is nothing to do with conspiracies or the rothschilds (?). We are trying to help you. The rules can be quite complex in certain areas especially with regards to self-employment. I don't know all the ins and outs of the rules but I think there must be some conditions applied in respect of a husband paying wages to his wife.

    Let me give a possible scenario :-

    UK man married to Thai wife applying for FLR in 6 months time. They have no jobs, no other income. They only have just over £10,000 in the bank. So in no way can they meet the financial requirements for FLR.

    So man sets up a company and pays his wife £9300 for 6 months. So she can now demonstrate earnings of £18600 pa and thereby qualify for the visa. No income tax liability because she will earn less than her personal allowance for tax. She might even be able to claim tax credits! Only expenses would be minimal - cost of setting up a company plus possible national insurance costs.

    If all this was possible to get the visa then everyone could do it so there surely must be stringent conditions against this contained in the visa rules.

    Be interesting to hear what 7by7 has to say about it.

    I am glad that you raised this scenario as it is very similar to the one I could see as getting past scrutiny. A cash in hand working exceeds the threshold but can't substantiate what he earns as the paperwork that a self employed person submits is much more onerous.

    I am not sure that you would even have to go as far as setting up a company, would UKVI really go to all the lengths of verifying a company at Companies House or follow up on references.

    Just get some free payroll software, knock off the pay slips, P60, put the same amount of cash into your bank account as the net pay. Download an employment contract and it all on the face of it meets the guidelines. The joke is as an employee you only supply 6 months worth of pay slips.

    Now I would never suggest that anybody does that but it is possible.

    If you were earring cash in hand and set a company up to use you cash in hand as earnings then you would be legit.. My god you just get better don't you

  7. Stuart, this is nothing to do with conspiracies or the rothschilds (?). We are trying to help you. The rules can be quite complex in certain areas especially with regards to self-employment. I don't know all the ins and outs of the rules but I think there must be some conditions applied in respect of a husband paying wages to his wife.

    Let me give a possible scenario :-

    UK man married to Thai wife applying for FLR in 6 months time. They have no jobs, no other income. They only have just over £10,000 in the bank. So in no way can they meet the financial requirements for FLR.

    So man sets up a company and pays his wife £9300 for 6 months. So she can now demonstrate earnings of £18600 pa and thereby qualify for the visa. No income tax liability because she will earn less than her personal allowance for tax. She might even be able to claim tax credits! Only expenses would be minimal - cost of setting up a company plus possible national insurance costs.

    If all this was possible to get the visa then everyone could do it so there surely must be stringent conditions against this contained in the visa rules.

    Be interesting to hear what 7by7 has to say about it.

    I am glad that you raised this scenario as it is very similar to the one I could see as getting past scrutiny. A cash in hand working exceeds the threshold but can't substantiate what he earns as the paperwork that a self employed person submits is much more onerous.

    I am not sure that you would even have to go as far as setting up a company, would UKVI really go to all the lengths of verifying a company at Companies House or follow up on references.

    Just get some free payroll software, knock off the pay slips, P60, put the same amount of cash into your bank account as the net pay. Download an employment contract and it all on the face of it meets the guidelines. The joke is as an employee you only supply 6 months worth of pay slips.

    Now I would never suggest that anybody does that but it is possible.

    Trevor I thought you ran your own business??? If you did you would know that all modern wages packages are now integrated with hmrc and submit online... All the forms are now downloaded through the wages packages directly from hmrc... Why don't you know this???? Judging from your comments I dread to think what kind of business you run.. I wouldn't trust you to run a corner shop

  8. Stuart - you are the one who started this thread and came looking for advice. It seems to me that you only want to hear advice that suits your purpose. If you think what I and others say is moronic then that is absolutely fine. We have no axes to grind and we are just trying to help. Maybe what you are proposing will work. Frankly I don't think it will because, as I've already pointed out, you cannot receive income from someone in the same household. Of course income can be combined as 7by7 says but that is not the same as income which comes out of the pocket of someone in the same household.

    If what 7by7 is true then the ridiculous scenario I outlined of a couple with just £10,000 savings (see above) would be granted FLR. That cannot be right and section 4.2 means that it will not be accepted. I see nowhere in the rules that says section 4.2 does not mean applicant and sponsor. Slightly more complicated in your case because, as I understand it, you are a shareholder in a company. At the end of the day it's your wife's visa and your money (i.e. visa fee) so you do what the hell you like.

    Finally to you and 7by7 - try and be a little more polite when dealing with advice that doesn't fit with your own views of the visa rules. Just dismissing other views as moronic and thinking that the rules are simple demonstrates great ignorance from both of you. I'm an ex-commercial lawyer and the Financial Regulations is a long and complex document that even I have trouble getting my head around. Good luck.

    Let's get one thing straight Durham boy.. The advice I asked was can I use my wife's earnings alone which was answered before you stuck your oar in with your uneducated comments... Your interpretation of events are moronic.. I don't believe for one minute you have ever been a commercial lawyer, anyone with half a brain can see what you have posted is ridiculous... And if by some chance you were any kind of commercial lawyer I can understand the ex bit entirely
  9. I would love to see the op get this one past HMRC if they went to town on a tax investigation.

    It's got nothing to do with HMRC.

    Life doesn't have to be so complicated, which is what the OP and his wife are clearly aiming for.

    I really haven't witnessed so much dross posted by so many in the sub-forum for some considerable time.

    Ignore the naysayers, stuartsko.

    Thanks for your comment... Life doesn't have to be one big conspiracy either.

    • Like 2
  10. Just possibly 7 by 7 will come up with evidence that HMRC's acquiescence is good enough for UKVI. I don't know HMRC's policy on overpaid wives on company books; I would imagine it's based on a trade-off between revenue extracted and tribunal costs incurred. It's conceivable that UKVI would accept your wife's inflated pay on the basis that it shows that you as a couple have the income, and apply their nominally non-existent discretion by accepting the claimed earned income as genuine.

  11. Because I am giving her a pay rise for tax reasons... But £20 an hour is not excessive.. Have you read the entire thread??? You didn't even read all of the link you posted which proved my point... You started giving me advice on the legality of my wife's earnings then in your last post you said you didn't know hmrc policy on over paid wives... If you don't know then keep your un qualified advice to your yourself

  12. My wife would not be overpaid, she would earn the same as the staff that operate the machines... The only advice I have taken from this forum is from 7x7 who advised I could use her income alone.. 7x7 and tony m are the most respected members of this forum and I trust what he says.. The rest is down to me, my accountant and my knowledge of running a multi million pound company for the last 12 years... I don't even know why 7x7 continues to give the much valued advise on this forum as he is constantly up against trolls... So thank you once again 7x7 for your valued advice and sorry you had to put up with the ridiculous comments from people that haven't got a clue what they are talking about.

  13. 2) It is no business of UKVI how much an employer chooses to pay their employees; even if they are family members.

    3) Many self employed people employ spouses and other family members in some capacity and pay them a salary in order to reduce their own tax liability.

    They do so usually on the advice of their accountant; any competent accountant would surely offer such advice.

    HMRC are fully aware of this; it is not illegal; provided it is genuine employment, proper records are kept etc..

    Tax Implications of Employing Family Members

    That link gives some rules that must be followed. The first is:

    Your relative has to be hired to do real work at a proper commercial wages rate. HMRC are likely to query payments of £50 per hour to a 5-year-old who is ‘employed’ to take telephone messages!

    So you are saying that UKVI must accept as real a salary that HMRC would disregard as contrived for tax avoidance. What is your basis for this statement?

    Why don't you read the rest of the link you posted rather than the 1st 5 lines... Particularly the part on Ltd companies

  14. Indeed, zero risk.

    The wording in the relevant part of the financial appendix, which is part of the immigration rules, is perfectly clear: "Income from salaried or non-salaried employment of the partner (and/or the applicant if they are in the UK with permission to work)"

    TBH, Trevor, if you cannot understand this very simple part of the requirement, it is little wonder that you had so much difficulty in understanding the more complicated requirements for the self employed.

    I understand fully but can you explain why is my salary alone exceeds £18,600 plus my wife's greatly exceeds £18600 I am still expected to apply under category F and supply company accounts. Why did you not propose the solution of ceasing to be a Director. The trouble is does being a controlling share holder mean you still have to apply under code F.

    You say zero risk and yes what the op is doing meets the requirements however it is very contrived. I don't know of many cleaners exceeding £9 per hour. I would be interested to read the contract of employment, assuming that there was one.

    I would love to see the op get this one past HMRC if they went to town on a tax investigation.

    It doesn't matter where her income comes from as long as it is legal, which it is... I can't understand why both you and Trevor are turning this into some kind of conspiracy theory... I blame the rothscilds

  15. Indeed, zero risk.

    The wording in the relevant part of the financial appendix, which is part of the immigration rules, is perfectly clear: "Income from salaried or non-salaried employment of the partner (and/or the applicant if they are in the UK with permission to work)"

    TBH, Trevor, if you cannot understand this very simple part of the requirement, it is little wonder that you had so much difficulty in understanding the more complicated requirements for the self employed.

    I understand fully but can you explain why is my salary alone exceeds £18,600 plus my wife's greatly exceeds £18600 I am still expected to apply under category F and supply company accounts. Why did you not propose the solution of ceasing to be a Director. The trouble is does being a controlling share holder mean you still have to apply under code F.

    You say zero risk and yes what the op is doing meets the requirements however it is very contrived. I don't know of many cleaners exceeding £9 per hour. I would be interested to read the contract of employment, assuming that there was one.

    I would love to see the op get this one past HMRC if they went to town on a tax investigation.

    If you wife's salary is above £18,600 then using your income was not necessary and you could have made things much more simple for your self... When applying for a visa rules are rules.. There is nothing wrong with using the rules to your advantage.

    • Like 1
  16. Stuart is not risking rejection on a technicality!

    From the financial requirement appendix.

    4.1. Ways of meeting the financial requirement

    4.1.1. Where the applicant has to meet the minimum income threshold, the financial requirement can be met in the following 5 ways:

    •  Income from salaried or non-salaried employment of the partner (and/or the applicant if they are in the UK with permission to work)...........
    (7by7 emphasis)
    I still wonder if it is worth taking the risk. Would the case working not want to know why the sponsor has no employment, no pension, no benefits, no private income, absolutely nothing. Just wondered is they dug deeper by looking at the settlement visa and saw the difference started to ask questions. As I exceeded the income requirement on my own through salary why it necessary to supply company accounts, CT600, dividend certificates, bank statements showing all income matches the statement both for me and my wife.

    Given that RTI has been running for a few years now all this paperwork seems to be unnecessary anyway, just phone up HMRC and ask them and the case worker gets the earnings up to within a month of the application.

    There would be no risk... I still have an income that would be clearly seen on our joint bank statements.. We just wouldn't be using it to meet the requirements, simple

  17. I don't understand why the op wants to risk a rejection on some technicality just to save a bit of paperwork. Trying to the do the FLR myself and doing it on the same day service caused no end of problems and I still battling with UKVI over the extra surcharges that I had to pay. Yes it cost more money having gone through a solicitor but at least my wife got her FLR.

    Left to my own devices I wasn't even offered the damn appointment and still had to pay a shed load of money to get nothing. I think it is false economy to do this on the cheap when you consider the potential outcome.

    At the end of the day, the paperwork that you have to submit is stuff you should have in any case although I agree there is a huge volume of it.

    One thing that did surprise me as I went to Sheffield as well was that I had a lever arch full of stuff bursting at the seams. There was one other couple there that seemed to have half the amount of stuff I had then everybody else seemed to have just a few sheets of paper.

    Now I accept that I have no idea what kind of visa they were all applying for but it seemed very odd that there was me with a ton of stuff then there were all these people with next to nothing.

    The other annoying thing was there were two, I will refer to them as helpers, who were acting as some sort of agent dealing with the applicants spreading themselves out and taking up the limited seated waiting accommodation whilst the wife and I had to stand most of the time.

    Hi Trevor, when we applied for my wife's spouse visa the second time round I decided it would be easier to resign as a director for 6 months prior to the application so I could just use my bank statements and wage slips, like a normal employee... The scale of me going down the director route was outrageous.. A director of a smaller company would have no problem... My situation is a bit more awkward... I work as a director of a company that this year will turn over more than 8 million, 12 months bank statements for us is about 2000 sheets of A4 paper, the bank statements are only a small part of the application... The massive scale of preparing all the paper work would not only be time consuming but also cost 1000's in admin costs... I would without any exaggeration need a sack barrow to submit my application... The other problem I have as a majority shareholder out of 8 different shareholders (4 of us family) is I am 1 person short of the non family shareholders to be exempt from being classed as self employed rather than employed.... I WOUD NEVER EXPECT AN APPLICATION LIKE THIS TO BE PROCESSED THE SAME DAY... It would be impossible and would never recommend anyone who is in my situation to go down that route... Loads easier by giving the Mrs a pay rise and slipping in a p60 6 months wage slips and bank statements... Nice simple application.... I don't think I'm risking a rejection at all but can understand where you are coming from...
  18. So, Stuart, if your wife is earning above the limit, currently £18,600 p.a., then she can use her income alone in her FLR application under category A or B of the financial requirement, whichever is appropriate.

    In this case, that sounds dangerous to me. Might not the extension be refused on the grounds that the claimed earned income was falsified? Does the 10 year exclusion rule apply to deliberate falsification in FLR applications?
    Not at all, this is advice my accountant has given me, currently my wife earns £10 an hour working as a cleaner, she cleans a factory floor with heavy CNC machinery operating.. When the machines are not in use she gets inside them and even maintains them, oiling etc... It is very manual but semi skilled... Also dangerous.. She loves the job and banter with the lads.. If I decide to increase her pay to say £20 an hour for 30 hours that is my decision and nobody elses... It's not illegal to give somebody a pay rise.. If I do happen to reduce my wages slightly to compensate that is also my decision.. And if we both as a couple benefit from that decision by a lesser tax liability then that not illegal either.. I was asking for visa advice as I didn't know... Business I do know and I can assure you there is nothing wrong with my wife's or my earnings
    • Like 1
  19. Back to the OP.

    For family leave to remain applications, i.e. FLR and ILR, the applicant's income can be used as well as or instead of the sponsor's.

    So, Stuart, if your wife is earning above the limit, currently £18,600 p.a., then she can use her income alone in her FLR application under category A or B of the financial requirement, whichever is appropriate.

    Remember, though, that she will have to provide all the appropriate evidence specified in Appendix FM-SE.

    That's great 7x7... Will save me a lot of paperwork, time and effort... Thank you very much for sharing you knowledge... Regards stuart

  20. Hi all, my wife will be applying for FLR in just over s year.. I am a company director and had great difficulty applying for her spouse visa.. Paul at thai visa express did a fantastic job for me after a not so reputable visa agent made a complete mess of my 1st application.. This time round I'm going to do it myself.. Living in sheffield I will be doing the same day service.. Because of the up coming tax changes on dividends when entering the 40% tax bracket I was thinking about using some of the wife's tax allowance.. She already works for my company as a cleaner, I was going to increase her PAYE wages well above the £18,600 needed for tax reasons mainly.. When she applies for FLR does this mean my income can be taken out of the process?? If so this would make things much more simple in the paperwork department... Thanks in advance for any greatly appreciated advice... Stuart

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