Cool bro, please I saw the deposit of 1500 Canadian dollar for deposit commitment as non refundable or non transferable is that too? What if the visa was not granted?

Sorry I'm newbie on this Canada school stuff lol

Please bro can you add me up whatsapp

zero , eight, one, zero, six, three, zero , three , eight , zero , four

Pls boss

OLAMINREWA:



I did not collect loan from MFB.... I collected from a co-operative society attached to where I work.

Yes I have very little savings with them. The money was transferred directly to my salary account with the narration "ACADEMIC LOAN" just as I told them to put it.

I saw your message but reaching out back to you has been difficult. NL & yahoo dey mean

Thanks, what do you mean your JD?

Also I saw a tuition deposit of $1,500 Canadian dollar is non refundable or non transferable? What if the embassy refuse student visa application?

Please check your email I sent you private message through nairaland

skentelelady:


You can do PGD/cert in Acclunting and Management. Search through colleges to see the course that align with your JD

Please OLA , is micro finance you collected loan ask for collateral? Are you banking with them before ? Or is it the way UK thing ruin package ? Do they transfer the loan if 8m to your bank account?

Can you introduce me to the micro finance?

Also please can I send you messages through nairaland private message to your email ?

I tap into your anointing!!!!!

Happy for you bro

Thanks ...

OLAMINREWA:


Meet the conditions on the LOA (if there is any)

Put your documents together

Separate them into CLIENT INFORMATION & PROOF OF MEANS OF FINANCIAL SUPPORT.

Merge the necessary ones using the combination of ILovePdf, tinywow.com and collage where applicable. Pay for your visa & biometric. Submit your application.


Go for your biometric. Go for upfront medical if you wish.

Then wait and pray

Thanks legacy edition, I really appreciate your time to response to my question.

I try to browse through Langara college and i saw Students confirm acceptance of the College’s Offer of Admission by paying the International Student Deposit*, which includes a CAD $1500 non-refundable and non-transferable Commitment Fee. The Commitment Fee will be applied to tuition.

Please is this fee not refundable? Incase if the embassy didn't approve the study visa?


Please can you guide me how to start the processing ?

Legacyedition:



You are doing something with the gap.

Try post degree diploma in accounting at Langara College, Vancouver. Most post degree programs cost $12,000 per year. 2 years post-degree diploma in accounting will be good.

Good morning house,

What advise you can give to someone who have ND and HND in accounting, with a study gap of 12 years and his 40 yrs of age.

I work as a project accounting manager with a construction company.

Please any course I can apply for and School?

I don't mind if someone here can help me with the processing and I will pay for the service.

I'm married with 3 kids

6month bank statements should be from Aug1 to January 31 along with 6 month payslips or more

SarahKrm2:


But what 6 months payslips? To cover my 1st aug-1st feb salary

Please is there any hope for HND holder in Canada institution? Also is there age limit or study gap?

Bro, can I have your digit we are in the same mission

fvictop:
I humbly and sincerely request for the gurus assistance and advice here.

I have MSc business administration 2022, HND Mechanical Engineering 2007, No Test of English, 13years work experience as maintenance Technician, married with kids.

Kindly recommend schools and courses with affordable tuition fees and high visa approval.

Japa is the objective not the education though.

I also applied for visiting visa since November 22, 2021 nothing till now, why are you in haste and now the agent as used you.

You think that how work visa easy? for general farm

Better cut all tie you have with your agent

4ayomi:
Good day boss 's in the house ....
Pls kindly assist me sir/ma ...
I applied for visiting visa throw an agent in August 12 -2022...and I did my bio in August 19.... I don't hear any from IRCC ...I rasie a webform on my own with informing d agent more than 5time .....just still processing....the agent now advice we should apply for work ...he applied on my behalf on January and we got medical request January 30 ..
Work: general farm
And he sent me this .
Pls kindly show more light and how many to get approval

Amen, I claim it bro thanks thanks!!!!!!!

We shall all excel IJN

Much love

Mrmoney90:


This is quite straightforward if you ask me. As long as no discrepancies in your account and everything flows accordingly, you’re good to go. 👍🏾

Enjoy your trip in advance

Thanks bro

ijeshaoflondon:


The logic behind that is to divide the opening balance by the amount you declared as ur disposable income ... If you have 4,900,000 as your opening balance , u also receive 400k as salary and you spend 100k monthly, it means your disposable income is 300k...

Divide your opening bal of 4,900,000 by 300k ... It will give you the number of months you have worked and should declare that you have been saving money for the trip... even if na lie... give it to them atleast they dont have the staty of previous months...do they let you test...lol

Thanks mr money, see how I explain in simple form.

Opening balance of ### was my saving from my salary

Note: why having ### as opening balance is because I purchased a car in march 1, 2022 at the rate of ###

Evidence: receipt of the purchase, car change of ownership affidavit , proof of ownership and plate number allocation.

Please any thing to add or miss

Thanks bro

Mrmoney90:


Actually, if the information you provided is straightforward, there will be really no need explaining both opening and closing balances. There is also no need explaining the car purchase as that part of the bank statement that shows that transaction wouldn’t be included in the 6 months bank statement. Your payslips are just fine. You can just say the opening balance is as a result of your salary earning. But if you still feel you want to say your opening balance got to 1.5m because you purchased a car, it’s still fine. And you can include the receipt of the purchase as proof. Your closing balance should be self explanatory as long as the information you provided(in terms of earnings and expenditures), matches the attached documentation.

Baba should I still explain the opening balance and the previous savings that I used to purchased a car and submit 1yrs payslips ?

Or I should not even bother to explain opening balance and closing balance?

Sorry for asking too much questions oooo

Thanks bro, I acknowledge you

Head of the table (Roman Reigns) of our time


quote author=Mrmoney90 post=120491538]

If your salary has been the same just like you have said, then you have no worries [/quote]

My salary didn’t changed since 2020, I was earning 550k monthly after tax

Mrmoney90:


Ok, first of all before I proceed, how much have you been earning consistently for the past one year?

If I submit 1 year pay-slips and 6 month bank statement should I still need to explain about the savings till what left as my Opening balance ? Because my opening balance of 1.611,651 represents approximately my 4 month disposable income before new 6 month statement of account.

Or I’m thinking that Out of 1 year payslips my new 6 month bank account will take 6 month, and the remaining 6 month is for the savings on my opening balance which 4 month as already shows on my opening balance. Maybe the remaining 2 month I should claim it on something tangible that I use it for then I will provide a document to back it up

Note: 1 years Payalips you advised me to submit is exclusive with my new 6 month bank account?

Thanks ololade Mr money

I really appreciate your insights

Mrmoney90:


Your account is good to go for you to apply. Atleast you built it well. You can submit the one year payslips and your six months bank statement. But make sure that if you got change of salary at any point in time, it should be noted in a cover letter o. And importantly, hope your monthly spending didn’t exceed what you said you spend every month in your bank statement.

In the absence of any discrepancy, I would wish you good luck with your application, and I hope you will get it this time

Opening balance is 1,611,651 million @ July 2022

New 6 month bank statement i.e (salary) @ 550k monthly is 3.3m minus 100k monthly expenditures for 6month : 2,7m

Opening balance of 1,611,651 + New 6 month disposable income is 2.7m :

Closing balance is 4,311,651 @ Aug 2022 to January 2023( New 6month)

Mrmoney90:


Is the 1.6m the current balance in the new 6 months bank statement?

Please my senior advise!!!!!!!

A salary account with a savings of 4,949,651million (i.e11 month disposable income) that was genuinely accrued from salary and used 3,338,000millio to bought a car from the savings last year march 2022, and left 1,611,651million as a opening balance as @ July 2022 before building a new 6 month account from aug 2022 to Jan 2023.

Can precious 11 month payslips and 6month bank statements act as a proof along with the car documents ?

Or the opening balance of 1,611,651 (i.e 4 month disposable income ) is sufficient alone and not to bother to digging the previous savings?









quote author=Mrmoney90 post=120473120]

Yes, You should explain with proof if you feel it will affect your application negatively.. that’s what we have all been saying since Na. 😊[/quote]

Ok, thanks for the clarification. Is it good or not to explain the opening balance and closing balance in a cover letter ?

alert20:



He doesn't need to spend that exact #120k, you can declare you are spending #50k monthly and you spend 40-45k in one particular month, it's still reasonable atleast you did not spend above #50k.......


So any month you spend above that #50k you need to explain it simple....... ✌️✌️

Nice one senior!!!!! I always appreciate all your contributions

Mrmoney90:



You seem to be confusing yourself honestly. In as much as I do appreciate you disagreeing my opinion, I can rightly admit that I’m not a god either to know everything.

See, no one is expected to have their 3 years salary in their bank account, even the ECOs know this and they do not expect it, because definitely, people use money all the time, mostly for events or unforeseen circumstances. But the issue is that they do want to know the source of your money. Now, if you have an opening balance of 10m in your account, even an ordinary man would first of all ask you how you accumulated such money, not to talk of an ECO. In the absence of concrete evidence as to how that money was generated, they are free to make any assumptions and equally deny your visa on that basis. It’s just that simple. It’s just like you seeing a pool of water on the floor, do you think that water do not have a source, even if you can’t see a channel linking to it? Or it just appeared?? It may either be that someone poured the water on the floor, or might be from a leakage in the roof, what matters is that there is a verifiable source. This is what the ECO is looking out for, The source. Which is where you need to provide evidence as to how the funds were accumulated, as it just didn’t appear in your bank account, or did it?

Regards

Nice quote info!!!!!!

infosoftlife:


Note that UKVI does not provide proper guidelines on bank statements. At least 6 months of bank SOA they advised you to submit for visa applications. If you think 1 year of SOA will guarantee your visa, go for it. Some employment letters I have seen don't have the year of employment and the monthly remuneration. You can also be intentional and submit your payslip for a 1-year window, provided it is consistent with the current salary entry into your account. If there are discrepancies, for instance, you were promoted, submit the promotion letter and also explain on the cover letter.

Why do they need your SOA?

From your SOA, they can deduce your sources of income, spending habits, saving goals, and financial commitments.

This determines the outcome of your visa because they judge you from your SOA. That's why some people have dropped the rule of thumb for future applicants to follow and examine their applications.

Rule of thumb (just a guide):

1. Available funds should be at least twice the UK trip; if not, add a sponsor to cover other expenses, delay the trip if not significant, or shorten the trip.
2. Savings (disposable income) should continually grow within the last 6 months; this should be realistic. If you plot a graph of your monthly savings within six months, it's unrealistic that you can continuously save 400k monthly as a family man who earns 500k monthly and uses 100k for expenses. There should be growth, and decline is welcome; explain it with probably a receipt of such transaction for the month of unforeseen expenses.

This doesn't mean that visas can't be denied even if all these boxes are ticked.

The ECOs pay close attention to the total cost of the trip during the proposed visit declared, monthly income, monthly expenses, and other financial commitments such as mortgage, dependents, etc. They want to see that you are a genuine traveler, you will travel within your means, and you will not exhaust all your savings. HONESTY IS THE BEST POLICY HERE!!!

Based on your ability to convince the ECO from the documents supplied during the application phase, they have the right to assume that
it's unrealistic for you to take this trip, or you borrowed the opening balance in your account to boost it.

Don't give the ECO room for assumptions; use your cover letter and provide receipts and proof to back up all claims.

When they say to build your account for 6 months as a salary earner, they mean you should be intentional with your spending and who you give access to deposit into your salary account.

DISCLAIMER: I am not affiliated with UK immigration or embassies. Everything here is based on a careful analysis of previous refusals.

SHALOM !!!

Nice quote ijeshaoflondo!!!

But when you reach 110-115, do you later complete it to 120k monthly expenses?

ijeshaoflondon:


You need not be angry... Thats exactly what the ECO saw that made him or her refuse ur application... 800k is a lot of money... May i ask you how u withdrew funds from your account and like how much leaves your account every month? Your opening balance was 6m+ and after 6 good months ...Your balance is still 6million+... And you said your monthly expenses is 150... when it clearly shows that you spent more than that... Let me tell you something... I use to apply as a self employed before without salary and i get refusal 100% but the day i made up my mind that i will start paying myself salary of 400k and be spending just 120k every month my Story changed... I have 3 separate bank accounts that i did not declare. i focused on my salary account... Ensured no logdement asides my salary and interest from bank. I use the atm to buy fuel, groceries, pos , payments and once i reach 110-115... i switch to my other bank for other expenses .... so what ever project you are doing thats eating up ur salary, kindly pause for now.You have a good chance of getting ur visa.

WHAT TO DO-
Withdraw about 4 million into a separate account so ur gonna have 2m in a salary account then as soon as ur salary enters , cultivate the habit of spending nothing less than ur stipulated monthly expenses and do that for the next 6 months... I bet ur gonna get your visa . Account balance doesnt matter... How the balance accrued is the koko. let me rest here

The sources is from the salary bro …. Many people have been refused visa due to opening balance, and despite they submitted employment letter, and bank statements that indicate salary credit by their employer.

Or they should be asking for 1yrs bank statement in order to justify the source of the opening balance lol ?

In event like this, how someone can prove the source of the opening balance ? when they only requested for 6month bank statements? No account period that doesn’t have opening balance.

Mrmoney90:



You seem to be confusing yourself honestly. In as much as I do appreciate you disagreeing my opinion, I can rightly admit that I’m not a god either to know everything.

See, no one is expected to have their 3 years salary in their bank account, even the ECOs know this and they do not expect it, because definitely, people use money all the time, mostly for events or unforeseen circumstances. But the issue is that they do want to know the source of your money. Now, if you have an opening balance of 10m in your account, even an ordinary man would first of all ask you how you accumulated such money, not to talk of an ECO. In the absence of concrete evidence as to how that money was generated, they are free to make any assumptions and equally deny your visa on that basis. It’s just that simple. It’s just like you seeing a pool of water on the floor, do you think that water do not have a source, even if you can’t see a channel linking to it? Or it just appeared?? It may either be that someone poured the water on the floor, or might be from a leakage in the roof, what matters is that there is a verifiable source. This is what the ECO is looking out for, The source. Which is where you need to provide evidence as to how the funds were accumulated, as it just didn’t appear in your bank account, or did it?

Regards

I strongly disagreed with you my senior Mr money, are you telling me now that those who have been working for 3 or more years should be having total amount of their monthly salary for 1yrs in their account or close to 6month salary?

All these Opening balance drama just started maybe last year and is only when Eco wanted to stylishly refusal someone’s application.

I knew many people that gotten their visa with opening balance of 500k as first timer, and also people that having up to 2m to 3m + as opening balance are refused visa even Eco do queried them the sources of their opening balance

Let me say is within the 6month bank statements they required for visa is what Eco normally use to judge the outcome of the visa, I can boldly said most of us that declared a particular amount as our monthly expenses are not what we are spending before planning to apply for a visa?

Why is it that when we are ready to apply for a visa that we complied with our monthly expenses.

I realize that when the Eco notices any discrepancy in bank acct they came up with opening balance, even they do complained about closing balance at time.

Note: No body knows Eco discretion we are just trying on our own perspectives

May God help us

Mrmoney90:
.

The reason for that is that ECOs judge every employed applicant from a one year timeframe. I’m sure most people do not know this. Irrespective of submitting a 6 months bank statement. Also, asides from that one year time frame, they try to analyze your opening balance from how long you have been working. That’s how they come to their conclusion. So if you have been working for one year, with a monthly pay of 300k and an expenditure of 100k, then you should be having about 2m or 2.4m thereabout. So imagine having an opening balance of 1.5m (probably because you have spent some lump sum from your 2m or 2.4m to solve an uncontrollable circumstance), then you run your account for another 6 months, and having a closing balance of 2.7m after deducting expenditure of 100k for each month, the ECO would not have any reason to question your bank account. Because he/she has analyzed your account from how long you have been working. That’s why they expect you to apply for visa one year after employment. Unless you want to explain to the ECO that you changed jobs, with proof such as employment letter from the previous company plus salary, it is best to always start your salary account on a fresh note. That is, if you got a new job paying you 500k monthly, you can start with a new bank account. So imagine earning 500k, subtracting 100k monthly expenditure, that leaves you with 4.8m at the end of one year. So if you apply for visa 2 months after the one year time frame, you should be having more than 5m in your account. Which is very straight forward. With this, you don’t need much documentation.

All what you listed is sufficient no any other doc

ezegold4we:
PLS for those that have travelled with Their child or children to UK through skilled work VISA and the guru's in the House, this is my question,
Pls apart from the recommendation letter from a child's school,Does children need transcript's from their school as one of the requirements ?

Apart from The child's int'l passport, birth certificate, nin, and TB result,What are The other necessary requirements for children that is traveling with their parent's to be presented during biometric??

Start to build a new bank account for the next 6 to 7 month, try to have a stipulated amount as your monthly expenses and then make sure no other money enter your account except you salary.

AbelPre:

What do you mean start my account again? Pls explain

.

You said you have opening balance of 6m, and your salary is 822k? If you multiply 822,000 monthly salary by 6 months = 4,932,000

You said your spend 150k as your monthly expenses, and if multiply it by 6 it would give you 900,000k i.e you spend 900k for 6month.

You will subtract 900k from your 6 month salary of 4,932,000 = 4,032,000 as your monthly disposable

Your closing balance should be = 10,032,00 i.e
Opening balance of 6m + 4,032,000 monthly disposable =10,032,000

I will advise you to start your account allover for the next 6 month before you reapply, write a cover letter to explain changes in your employment and address your refusal letter.


[quote author=AbelPre post=120423359][/quote]

You have opening balance of 6m and closing balance of 6.8m ? How much is your monthly salary ? And how much do you spend monthly?

I hope your account is not doctored by your agent?

AbelPre:


Hello everyone. If someone declares 150k as average monthly expenses. But the debits on salary account shows significantly more. I got a second refusal cause the ECO said while there are deposits made in this account that appear as salary payments, the funds withdrawn and the balances in the account are just as much as the they were prior to the salary deposit before i receive the next payment so they are not satisfied that these funds are reflective of my income or financial circumstances and that these funds are genuinely available to me for my exclusive use. The only credit was my salary. tho i had an opening balance of 6m and closing was about 6800000m. Pls what do i do next. i cried last night cause this time i used an agent.

Try and post the refusal letter so people can advise you

AbelPre:


Hello everyone. If someone declares 150k as average monthly expenses. But the debits on salary account shows significantly more. I got a second refusal cause the ECO said while there are deposits made in this account that appear as salary payments, the funds withdrawn and the balances in the account are just as much as the they were prior to the salary deposit before i receive the next payment so they are not satisfied that these funds are reflective of my income or financial circumstances and that these funds are genuinely available to me for my exclusive use. The only credit was my salary. tho i had an opening balance of 6m and closing was about 6800000m. Pls what do i do next. i cried last night cause this time i used an agent.

Yea you did, just raised it again when someone ask the same question.

Cleared Now

Thanks AFRICANKEL

Africankel:
I believe I have addressed this before. The answer to your question is NO.

Cleared now

Thanks

Mrmoney90:


Other income or savings simply means that. If you have a bank savings of 5 million and salary account of 2 million. The account of 5 million is your other income/savings. You just have to state how it is accumulated, that’s all. Whereas the 2 million in your salary account remains your salary account.

Hope you’re good now?

Well I have raised these questions millions times even till now I’m still confused, but someone proved it to me that under section stated OTHER INCOME OR SAVINGS ? The SAVINGS means if you have other income apart from your source of income, for example if you have a property that you are collecting money from you can state it as SAVINGS. But your source of income bank account balance you wanted to present is not your SAVINGS.

I noticed most of our gurus here selecting questions they do answer until when someone chop refusal they will start their analysis lol lol.

I BELIEVE WE SHOULD BE SORTING DIFFICULT QUESTIONS LIKE THIS COLLECTIVELY.

Please all people who are just received their visa recently or experience people in the house should come to our aids.

ABOUT VISA APPLICATION FORM SECTION WHERE IT IS ASKED DO YOU HAVE OTHER INCOME OR SAVINGS ?

Would it be appropriate to state the closing balance on the SALARY bank statement as a SAVINGS. YES OR NO

HOUSE PLEASE LET CLEAR THIS AND MOVE FORWARD SO PEOPLE WONT MAKE MISTAKE ON THEIR VISA APPLICATION FORM WHEN THEY ARE FILLING.

djbaju:
Good morning boss, I was thinking I would write my balance as savings too, cos I think I have seen somewhere on the trend before not once or twice, but my understanding is to declare the funds I had earlier from 6 months ago as my savings, I hope if one put the total balance on the salary account as savings, all will still be well.