I have been reading through the experiences shared here and the advice provided, and they have been really helpful.
Please, I need some advice. I have now received a refusal twice, both on financial grounds, and I am quite confused about the reasons given.
In my first refusal, the officer stated that they were not satisfied that there was a relationship between my co-sponsor and me (my mother), and therefore they were not convinced that the funds would be accessible to me. However, my mother had already gifted me the money, and the funds were in my personal account. I addressed this issue in my second application by providing the necessary supporting documents. I also paid my tuition in full and purchased a GIC.
However, I received another refusal, and I would really appreciate some clarification:
1. Tuition: The officer noted “partial tuition paid,” even though I had actually paid the full tuition. The payment was made in three instalments. I paid the first semester before my first application, and after the first refusal, my school required me to pay the second semester before issuing a new LOE. I made the additional payment, and because the tuition had increased, I paid the balance to complete the full amount. I provided all three receipts, and they were uploaded together in one folder. 2. GIC: I also purchased a GIC, but the officer stated that I would not have access to the funds for my living expenses. This is where I am particularly confused because the GIC was specifically purchased to cover my living expenses in Canada.
I’m honestly not sure what I may have missed or how I should address these concerns if I decide to reapply.
I would really appreciate advice from anyone who has experienced something similar or can help me understand what the officer may have meant.
There are three things the officer noted. 1. Sufficiency 2. Availability 3. Accessibility
Calculate the tuition fee for your program plus living and travel expenses the compare it with your POF if it tallies. That is for sufficiency. For availability and accessibility, you have to prove that the money is there and you can access it. But I thought the purpose of GIC was for accessibility.
Anyways copy the officer's note and upload it on ChatGPT it would explain better and tell you how to go about it.
Rapmoney: A woman has confronted her husband and his side chick on the road in broad daylight. The husband lied to the wife that he was attending a meeting, but the wife drove her car and trailed him only to see him picking up a girl who had been waiting for him on the way. This happened at IMSU gate, Owerri, Imo State.
If financially stable men in Nigeria decide to stay faithful to their wives, many young girls will eat stones and bottles as food, because they would lose their livelihood. Relationship with married men is now an occupation among many Nigerian girls.
amnotapervert: Yes, he said that. He said you can get a room for $500 and have four people share it, which would be roughly $160 each. I told him, why would four people share a 9 m² (97 sq. ft.) or even an 18 m² (194 sq. ft.) room? I’ve been on this forum for way too long. 😂
You see, once you enter the country, you realize that things are often very different from what you hear online. I might be harsh sometimes, but I have never intentionally told a lie or misled anyone.
Can you just stop with the lies? I didn’t say I will rent 500CAD room and share with people.
I said in Facebook marketplace you can get a shared room for 500 and I didn’t even mention Ontario
amnotapervert: Wait, why didn’t you find a $150–$160 CAD room again? I thought you said it was very easy to find one. What changed? 👀
Why are you not sharing a room with four people like you said you would on June 4th, 2026? What happened? What changed?
It’s funny how everyone thinks I’m crazy until they experience it themselves and realize that I’m only speaking facts and making direct statements.
I am here to share my knowledge and my experience from being a student, to working, getting PR, becoming a citizen, buying a home, and investing... Canada is not a country you come to with out skills and plan
I understand that I might come across as harsh at first I really apologise , but once you start living the real experience, you’ll understand where I’m coming from and why I shout here daily hahahah
Because I needed privacy reason I didn’t go for it.
Labisi08: Enough of these troll,l’m sure he already know you are in Canada,he is just pulling your legs..can we all get along on this forum and give information to us that is coming and assist in any way since you guys are already there
Labisi08: My own point is that don’t discourage people to not do what they want to get as far it is a legal way,it is not always easy tho but everyone have there goals and purpose,the koko is stay abide by rule and regulations..some of your words you use here are kind of discouraging especially for someone that does not understand Wish everyone all the best✌️
Which of my words sounded discouraging? The guy was asking me about PR and I told him to get PGWP work for a year and apply for PR.
Please point out the words I used that sounded discouraging so I can edit it. I even told him opportunities are here.
The only thing I discourage people and I’m against is the use of agents to process applications since a lot of these agents are scammers.
Imagine that PhdCloak guy miscalculating POF. Only God knows how much he collects from his clients for POF.
Labisi08: There are legal to do to get pr,not this advice and if you check his thread you will see pr is not really is priority but me my own point is that he should discourage people that want to get pr the legal way after completing studies
I will not discourage or encourage anyone who wants PR. My own is, anything you want to get inside or outside Canada, get it the right way.
Don’t because of you doors are closed against others
Imalwayshorny: Why don't you impregnate one of them to get pr instantly
If you had read my posts on the thread I created before it was deleted, you would know my reasons for coming to Canada and PR isn't one of it. If PR comes, fine.
US is the only country I would fight for Green Card
You claim to be an agent yet you don't know what POF is. I said I paid 30k CAD as tuition fee, 2k CAD as tuition deposit and showed 108k CAD as POF you saw the post and then calculated 30 + 108 + 2k and arrived at 140k CAD
If you are truly an agent you will know that POF covers tuition fee, living expenses and flights. You would also know that POF isn't money spent but money available for and accessible by the traveler. Because in your post you said I spent 132m. lol
You said one cannot land in Canada in 3 weeks and start taking pictures lol. Is Canada a prison? What kind of study would one do and doesn't have time to take pictures?
Even people in military school (NDA) have time to take pictures days into training.
Sha I can't blame someone who claimed Canada gives Permanent Study Permit.
Cullinane: You've not been in Canada up to a week and you already have an opinion about the different groups of people. LoL.
Your opinion is so off. If you are truly in Canada like you claim you are, then please focus on the primary reason you are in Canada for - school!
I am talking my experience. The few Nigerians I met no give me face. The whites I have come across were helpful. Even the girl I met in the Nigerian store I tried talking to her to ask where I could get eggs as there were no eggs in that store she was not even entertaining my greetings sef. I greeted oyibo girl she smiles and answered. It was an oyigbo that told me where I can get eggs. It's my experience I have had so far. I don't need to live for 10 years to know that the Nigerians I met weren't kind to me.
Modified: The only Nigerian that has been so kind to me since I came is my AirBnB host. He is always checking up on me to know that I am fine.
Imalwayshorny: I hear 🙉 house rent is cost over there almost 100k cad per year
IRCC says you should have at least 22k CAD for housing and feeding for one year.
If you are not the type that eats too much, you don’t go out unless where necessary, you don’t party or club, you don’t have eyes for new gadgets and woman, you can survive in Ontario with less than 20k CAD for one year.
Imalwayshorny: But I'm seeing people's getting permanent residency through study permit
if you finish school, apply for PGPW while your PGWP is in processing process you can start to work. When you work for like one year get Canadian work experience apply for PR.
If you don’t apply for PGWP and your program ends and the 90 days is over. Oga pack ur things and leave
Imalwayshorny: Enjoy dey Canada ooowhy we suffer for data and here
One more things if you decided to stay in Canada after 90 days will they deport you back to Nigeria
Wait let me snap my study permit and show you.
My study permit says I cannot accept job offers in strip clubs and massage parlors.
I’m like. Who would leave his country to come and work in a strip club.
I remembered I told the immigration officer I was like, my permit says I cannot work in strip clubs or do escorts (hookup). Like who’s gonna leave his country and come work in a strip club as a stripper the Chinese guy laughed.
Imalwayshorny: Enjoy dey Canada ooowhy we suffer for data here
Where I am wifi is almost everywhere so I don’t have issues with internet. Most wifi are locked like in malls. I will just walk up to them and say ‘hey, could you help me with the wifi password?’ and they’d be like ‘sure!’
I saw a store Canabis store. It’s like the sell weed openly here.