no I read it in this group many times. Many use the monthly transfers - they don't need an affidavit - many can't get it anyway. And if you have it you don't need the monthly transfers.
your conclusion is wrong - you say monthly transfers are not relevant if you can't get the affidavit. Not so - it's the monthly transfers OR an affidavit.
yes ok - no not experienced it since I do not use agents but what I said is what I have read several times in this group and another visa group and I have been following both for quite a long time now 😊
you didn't confuse me but your reply to a remark from me was "so immigration don't like you moving from using an agent one year and all above board the next?" - I would certainly call that a conclusion - but never mind
using an agent to deposit the money and withdraw them immediately after is violating the rules and the agent bribes an immi officer. I don't understand how you can conclude from what I said that immi don't like moving from using an agent. The corrupt officer don't like he won't receive his bribe anymore that's for sure. Sometimes offices are checked and if that control finds out there is a corrupt officer then he is probably not an officer anymore and all cases approved by him are examined and results in cancelation of the illegal approvals. Besides that immi can anytime they want request to see your bankbook - you wouldn't want that if you used an agent to deposit and withdraw.