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Can someone please answer a few queries regarding Tier -1 (general migrant) initial application.

I have following concerns:

1)In the recently introduced PBS they have asked for one to have a minimum of 2800 Pounds + 1600 pounds for each of the dependants. I wonder whether one can have a joint account with the necessary funds. Will this be considered appropriate for the individual to have the available funds in the joint account with some other individual e.g. mother? I HAD SUBMITTED MY APPLICATION WITH BANK STATEMENT OF A JOINT ACCOUNT. IT WAS APPROVED, SO I THINK THIS SHOULD BE FINE.
2)Are the fixed deposits are considered as available funds? I HAD SUBMITTED A SAVINGS BANK ACCOUNT STATEMENT. ON CHECKING WITH THE BIA TEAM, THEY HAD SAID THAT THE FUNDS SHOULD BE EASILY ACCESSIBLE ON DEMAND WITHDRAWN. YOU MAY NEED TO SHOW THE SAME. ONE POSSIBILITY IS TO BREAK THE DEPOSIT PARTLY, AND CREDIT YOUR CURRENT ACCOUNT TO DEMONSTRATE THAT.
3)Can the dependant himself or herself have the required amount of 1600 pounds in his or her name? YES THE DEPENDANTS BANK ACCOUNT STATEMENT CAN BE USED FOR THIS.
4)Is it necessary to get the certificate from NARIC for the claiming points in the education column? IT IS NOT NECESSARY, BUT ADVISABLE. IT COST ONLY ABOUT £35, AND THEY GIVE OUT RESOPNSE IN 2-3 WEEKS.

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