₦airaland Forum

ChubaKC:
Good day all,

Have anyone recently used Convera for tuition payment, how does it work?

I read that payments can be made through Naira debit card at Convera’s converted rate, pls how true is this?

Any idea from anyone please?

Good day all,

Have anyone recently used Convera for tuition payment, how does it work?

I read that payments can be made through Naira debit card at Convera’s converted rate, pls how true is this?

ChubaKC:
Good morning Everyone,
My good people I’ve just gotten my gcms note which is attached below stating; low opening balance and large closing balance, lump sum deposit, limited source of funds evidence and no tuition deposit; as reasons for the refusal.
Pls this time I’ll like to ask;

1) using the same account statement, starting from where I have large opening balance and closing at current balance (say Oct 12 to March 12). Is it ok?

2) explaining the lump sums which came from my private practice and salary savings; attaching
a) my bank statement showing 8.5m which indicated monies from clients, 2m gift from wife, transfer from my salary account and transfer from corporate account of our registered company.
b) award letters of ongoing projects from clients summing up to like 45m,
c) recent pay slip from current employer,
d) gift deed from wife as sponsor, letter and affidavit of sponsorship from wife,
e) company registration docs and tax certificate, letter and affidavit of sponsorship from our registered company stating annual support of 25000CAD, signed by my wife.

Will this be enough to explain these lump sums and sources of funds?

3) I’ll transfer 5m from company account to wife then have her gift me 2m and pay tuition of about 3m from her account as I said before. But then, Having this accumulated balance of 8.5 for 1year expenses as transferred into my own account from wife/company with the above documents from spouse (sponsor) and company, is it ok?

4) I don’t really want to include wife’s bank statement nor company account statement cos they have low balance, believing that the gift deed from wife, tax documents from company, plus letters and affidavit of sponsorship from both, will be enough. Pls I need your candid opinions.

5) I also want to pay full one year tuition possibly from wife’s account and indicate that in my LOE to show her commitment in supporting me. I hope this is ok

6) if my wife successfully sponsor me, will it affect her chances of coming through sowp after I’ve been approved?

7) if I must include wife account statement; sourcing for POF (assets liquidation) of like 5m from banks into her account within few days to my application, including BOD resolution instructing that and the certificate of liquidation. Will it be a red flag 🚩?

It seems the VO did not consider my University funding of 2000 CAD monthly minimum. Though this maybe cos in my previous application, I said “my expenses in Canada will be paid by MYSELF “. This time I hope it’ll be ok to say my expenses will be paid by; Myself, my spouse, university funding, my business.

9) Again, pls what figure do I put as “amount available for my stay in Canada”? Is it;
(my 8.5m + tuition amount + total annual funding + amount of expected support from business)

10) pls is mobile app generated bank statement accepted for POF? I realize it has lower mb than scanned statements. I normally hear about “MBS”, are they the same?

11) having the above details, my people, will anyone encourage me to apply together with my family again? 🙄

Sincerely my people, my health and emotions have been down since this refusal, I humbly need your full support to achieve this pls.
@bullstriker and experts in the house pls help me, I beg.

Good morning everyone,
Thank you so much for your comments so far.
Pls I still need your replies in support of my new application. Especially on questions 4, 6, 7, 10 & 11.
I really need the support of you all pls.

Notable gurus on this platform don’t ignore this pls. I really appreciate hearing from you @bullstriker, @makano, @babamegida and so many others pls.

Welsh2np:
Welp, you know you’re going with a family of 6.

You need to show strong proof of funds.

I saw somewhere you wrote Cad$84k as your total available funds, including the funding you got.
I don’t think it’s good enough.
Also, (not a strong criteria, but...) do you have travel history?

Thank you so much @Welsh2np,

From what I understand, you won’t advise that I reapply with family. That’s ok. I think I won’t be tempted to do that again. Lol 😂

Travel history within cities in Nigeria. Pls don’t laugh! Is that not enough travel history?

Welsh2np:
Were you required to make any tuition fee deposit?

Not at all. I even have funding appointment offer uploaded with my application but I found out that the VO was silent on that.

[quote author=Molajim post=121383424][/quote]Thank you so much @Molajim,
Am interested to hear that it has to be the minimum number of years rather than the upper limit.
For No. 9) I really don’t know, but am feeling that (26000 + 9400 + 24000 + 25000 = 84400) CAD may look too much. I hope to get the opinion of others on this.
Thanks a lot, I really appreciate this.

ChubaKC:
It is well! Got refused this morning.
Family of 6 (primary applicant inclusive)

Reason:
Primary applicant- financial capacity and assets
Other family members- financial capacity and purpose of visit

School admission hint:
Admission- Jan 5 (now deferred to Sep 5 but not yet updated to IRCC)
Tuition per year - 8874cad (now 9300cad)
No tuition deposit required
GRA appointment offer: 2000cad minimum monthly

Applications:
Primary Applicant: Study permit (PhD 4-6yrs program)
Other 5 family members: Visitors visa

Few Doc submitted due to size:

Primary applicant;
-GRA offer letter stating min 2k cad monthly
-Personal 4 months account statement- 10.5m balance
-Pension statement- 2.5m
-Personal Land Survey plan - 4 different plots (deeds not included cos of size)
-Company CAC docs only (husb & wife directors) attached on wife client section and no financial doc attached cos of size
-One Vehicle registration documents
-School certificate & transcript
-previous research publications
-SOP
-LOE
-Authorization for leave from place of work

Dependents:
-application for Visitors visa for all
-Wife credentials and CAC doc for our company and one other business registration
-LOE stating that spouse will bear all financial obligations through personal account and GRA offer
-parents consent letter for children

Please I need to resubmit these applications as soon as possible.
I need advice on what to do differently pls.

@bullstriker and other gurus in the platform I need your support pls

See attached

Good morning Everyone,
My good people I’ve just gotten my gcms note which is attached below stating; low opening balance and large closing balance, lump sum deposit, limited source of funds evidence and no tuition deposit; as reasons for the refusal.
Pls this time I’ll like to ask;

1) using the same account statement, starting from where I have large opening balance and closing at current balance (say Oct 12 to March 12). Is it ok?

2) explaining the lump sums which came from my private practice and salary savings; attaching
a) my bank statement showing 8.5m which indicated monies from clients, 2m gift from wife, transfer from my salary account and transfer from corporate account of our registered company.
b) award letters of ongoing projects from clients summing up to like 45m,
c) recent pay slip from current employer,
d) gift deed from wife as sponsor, letter and affidavit of sponsorship from wife,
e) company registration docs and tax certificate, letter and affidavit of sponsorship from our registered company stating annual support of 25000CAD, signed by my wife.

Will this be enough to explain these lump sums and sources of funds?

3) I’ll transfer 5m from company account to wife then have her gift me 2m and pay tuition of about 3m from her account as I said before. But then, Having this accumulated balance of 8.5 for 1year expenses as transferred into my own account from wife/company with the above documents from spouse (sponsor) and company, is it ok?

4) I don’t really want to include wife’s bank statement nor company account statement cos they have low balance, believing that the gift deed from wife, tax documents from company, plus letters and affidavit of sponsorship from both, will be enough. Pls I need your candid opinions.

5) I also want to pay full one year tuition possibly from wife’s account and indicate that in my LOE to show her commitment in supporting me. I hope this is ok

6) if my wife successfully sponsor me, will it affect her chances of coming through sowp after I’ve been approved?

7) if I must include wife account statement; sourcing for POF (assets liquidation) of like 5m from banks into her account within few days to my application, including BOD resolution instructing that and the certificate of liquidation. Will it be a red flag 🚩?

It seems the VO did not consider my University funding of 2000 CAD monthly minimum. Though this maybe cos in my previous application, I said “my expenses in Canada will be paid by MYSELF “. This time I hope it’ll be ok to say my expenses will be paid by; Myself, my spouse, university funding, my business.

9) Again, pls what figure do I put as “amount available for my stay in Canada”? Is it;
(my 8.5m + tuition amount + total annual funding + amount of expected support from business)

10) pls is mobile app generated bank statement accepted for POF? I realize it has lower mb than scanned statements. I normally hear about “MBS”, are they the same?

11) having the above details, my people, will anyone encourage me to apply together with my family again? 🙄

Sincerely my people, my health and emotions have been down since this refusal, I humbly need your full support to achieve this pls.
@bullstriker and experts in the house pls help me, I beg.

bullstriker:
1.You will be a self-sponsor if the company transfers the funds to you without submitting the bank statement. It would be better for the company to transfer to your wife’s account so she can be an eligible sponsor since she is a co-owner. Then, with strategic planning and a proper explanation of the funding received from the school, you can use the funds available to resolve this financial issue.

2. It is part of the proof of funds. Forgive me for saying I believe your application was poorly submitted. The onus is on you to demonstrate how you intend to pay for subsequent years; ‘dumping’ the funding letter in your application without a thorough explanation can leave the VOs with no choice but to deny applications.

3. You can convert it to a jpeg or use the GCkey account to submit it. With a GCKey account, you can upload up to 4MB.

4. Great. No issue regarding career progression.

5. I can help you order the CBSA note. It takes 30 days or less.

6. You can use the same account. If you used the new portal, I would recommend the GcKey account so you can upload more documents.

7. Yes, you must.

To contact me, click Bullstriker, then click ‘Send Email to Bullstriker.’ You can send me a mail after I respond to the email. Also, when you visit my profile, you will see other ways to contact me.

Thank you so much bullstriker and all intellectuals on this forum.

Definitely I’ll have to get account statement for the company. Why I reason to use the company are:
1) my wife and I are the sole owners and signatories
2) the company can show award letters for evidence of ongoing projects which will be good for assets to support further years of study
3) if the company transfer to my wife it will be the only bulk sum the account is getting
4) then again, the money is not even in the company’s account but in my personal account, Lol 😊

Brother the thing tire me!

Now, if I;
A) find way fund the company account like 3.5m

B) liquidate wife investment facility to fund her account to like 5m (a newly opened account specifically for liquidating the investment).

C) Get all required documents from the company side including gift deed for 3.5m previously transferred to my personal account and account statement.

D) Get like account statement for the wife’s newly opened account and affidavit of support from wife.

Do you think it can fly?

What borders me on this is (D) the wife’s account statement for a newly opened account.

Why I consider this account is because that’s the only account that can show source find for the liquidated asset. But the statement will be less than 1 month not to talk of 4 months. Though it will complement to the company account statement, PLS WILL THAT BE ACCEPTED?

@bullstriker I’ve sent an email to you.

Bobomaigida:
The CBSA notes can be out before February ending if you request today, you can pay with your dollar card, check gcsmonline, I will not advise you to just reaaply without seeing the notes because you need to use that GRA offer effectively, I saw that you are looking at going alone now, that will be very good, the funds you have now and the GRA offer can be used for your POF, while the business you have in Nigeria will take care of Madam and the kids.

Wow! Good thoughts Bro,

gcmsnotes.com is it the right site?

Apart from maybe another refusal and another waiting time, Pls are there other consequences of applying without seeing the gcms notes, especially on the GRA?

I believe the next decision may possibly come out before February end if I still uses the January admission letter. Or you won’t advise me to use the January admission?

bullstriker:
The proof of funds is in your bank account, so you are a self-sponsor. Self-sponsors must show tuition fees and living expenses for their studies for themselves and accompanying family members. Since you are going for a program of 4-6 years, you have to show the funds for the cost of your education for 4-6 years - quite a lot of money. In addition, you added your family members. So, it is quite clear that fund is insufficient.

You mentioned that spouse would take care of subsequent years, but you did not submit her bank statement and source of income (just stating it is unacceptable), and I assume you included her in the application. So, when you reapply, let your spouse be the sponsor by showing funds for a year and demonstrating a source of income for subsequent years. With a sponsor, only a year's education cost is required. Furthermore, since your finances cannot accommodate your family, apply alone. Then, when you arrive in Canada, your spouse and kids will be eligible for SOWP and a study permit.

Order GCMS note; it seems there are other grounds for the refusal besides finance. So, review your application, including the intended program. If the program is unrelated to your present job, explain in your SoP why you have chosen the program.

Thank you so much Bullstriker,

1) I will need to apply alone this time, but the money is in my own account, do I transfer it to her for her to sponsor me or will it be proper to use our joint company as sponsor signed by her, then quote that the company had transferred like 10kcad to my personal account covering the living expenses for 1 year (as shown on my account statement).

2) If I may ask, is the funding offer of 2k minimum not considered as part of my pof which is more than enough to cover for my yearly tuition?

3) Pls one other big challenge I have is reducing the doc sizes. That alone made me to remove so many doc that would have been essential despite all effort to get them compressed.

4) In terms of the program, is same program from BEng, MEng, with so many professional registrations (NIG & Inter), 4 publications and 14 years of experience on same field. (All attached previously)

5) I think the VO was very specific “insufficient fund and assets to support travel purpose”, though am trying to order for the GMCS note but it takes time, I will want to reapply while waiting for the note.

6) Again, where do I reapply? Is it on the same previous account or do I create a new account?

7) Do I also need to attach all the academic and other documents I attached previously?

Please I’ll need your guidance pls. I don’t know how I can reach you privately. Thank you so much.

Baphil:
So sorry about your refusal but please do not let this discourage you.

May I ask if you have more money in your account now? How much did you have as cash flow for your family of 6?

Maybe you should try open study permit for children of 6 years and above and an open work permit for your wife. Give solid and cogent reasons why you need to all go together. Reasons like it will cause a lot of hardship on your spouse and children since you have never lived apart before, your PhD study of 4 to 6 years is too long to stay apart, you desire to bring up your children together to avoid dysfunctional attitudes and juvenile deliquency, for emotional and physical support etc.

All the best!

Thank you so much Baphil

Honestly I doubt if I can get more cash to add up. The 10.5m has even dropped to 7m now due to school isefees and Christmas expenses.

The open work and study is what I would’ve done initially but no preknowledge. When I wanted to do it I got confused on what to put in the school details section for the children and the work details for spouse.
As it is now, I have to reapply alone. However, I don’t really know how to go about it cos the 7m is in my personal account, meaning that I still have to use my personal account statement, maybe develop a sponsorship letter from my company signed by my spouse stating that the company already transferred 10k cad for my expenses as shown on my statement and will be eager to support me further.

One other thing that I don’t understand, does ircc not consider funded studies? Cos I know the minimum monthly 2k cad can cover all tuition fees, which is why the school did not request for tuition deposit.

Another challenge is Assets, 4 land, 1 vehicle and 1 company is it not enough assets, or is it cos I only include just the survey plan cos of doc size?

I need more light pls.

Predator188:
It is obvious that you have insufficient funds. That is 10.5 m +2.5m
Maintenance/living expenses per year for 5 family member is: spouse:4000 +other:3000+3000+3000+3000=16000 cad per year + student=26000 cad per year equivalent of 8,88,4025 naira

The reality is that, the minimum funds per year for maintenance stated by IRCC is just minimum funds as it is ..when you arrive in canada you will spend more than that on living expenses alone. Including flight ticket for family of 6 with provided bank balance of 10.5m +2.5m...with this also spouse applied for visitor visa instead of open work permit.

4 to 6yrs PHD @ 9300 cad per year equivalent of 3,177,233 per year,Ircc will expect you to have more funds in bank balance other than previous bank balance provided and source of funds to support you in next 4 to 6 year..that is tuitions,3,177,233 naira +maintenance 8,884,025 naira per year

Thank you Predator,

Pls if I decide to reapply for myself alone and the fund I have is now 7m. Do you think it will be enough for me alone, then, I can use our joint company (owned by me and spouse) as my sponsor but the 7m is on my personal account?

Joge64:
You should have applied alone using your family and other properties as home ties or you could have applied for work permit for your spouse and paid your first semester at least. Anyway, don't give up. Re-fire the canon!

Thank you so much Joge

It was when I joined this platform I noticed my mistakes on the type of applications for my dependents; it would’ve been SOWP for spouse and study permit also for the kids. I think that’s why they have “purpose of visit” issue.
But do you think it will be ok if I change that and reapply again for the entire family, maybe find a way to top up the fund to say 15m through gift deed and then include a sponsorship letter from our registered company.
For proof of ties, we added 4 land, vehicle, spouse business registration and company registration, does it seems not to be enough ties?

Uzorsammy:
Ur proof of funds is small for family of six.

Thank you Uzorsammy,

Considering that my program is fully funded through GRA, do I need to prove further on tuition payments?
And from my calculations; 1 yr living expenses for everyone summed up to (10000+4000+3000*4=26,000CAD) which is below 10.5m.
Then, applying alone, do you think the pof will be enough?

mrprolifik:
To get the full picture you need to request for your gcms notes. But from what I can see here you didn't show strong home ties and secondly you didnt make any tuition fee payment.
My advice to you is to use your family as home ties, together with landed properties if you have any and try to at least pay 1year tuition if you can . This will go a long way in convincing the visa officer that your main aim of going to Canada is to study and not to migrate.
Lastly , in case you need help in writing a convincing letter of explanation for your next application , you can reach out to some expert writers in Nairaland and I am sure they would gladly help you.
Goodluck.

Thank you so much @mrprolifik,

The school did not request nor require that I should pay tuition cos the PhD program is funded, thus tuition is being deducted from GRA offer.
Yes I think my family will have to stay back, but I don’t really know if same fund will be ok for me applying alone?
I learnt Gcms note takes time, I just needed to reapply while waiting for the gcms note.

Bobomaigida:
So sorry for the refusal, the best thing now is to request for CBSA notes to determine the exact reasons for refusal. That being said, the GRA payment is small for a family of six for a month, then the 10.5mm balance was it built overtime or it was a lump sum payment? The Pension fund is also small since only 625K will be available to you. Just quickly request for the notes which will arrive middle of Feb and then you can reapply.

Thank you so much,
The GRA offer is a minimum amount and is to cover for my tuition + other fees, cos tuition fees are usually deducted from this offer. This is why I was not asked or requested to pay tuition deposit.

The cbsa note takes time, Don’t really know how possible to reapply alone with same documents, instead of with family? While waiting for the cbsa note.

Pls is it possible to pay for gmcs and cbsa note through dollar debit card, I can only see PayPal and credit card as stated on the web.

It is well! Got refused this morning.
Family of 6 (primary applicant inclusive)

Reason:
Primary applicant- financial capacity and assets
Other family members- financial capacity and purpose of visit

School admission hint:
Admission- Jan 5 (now deferred to Sep 5 but not yet updated to IRCC)
Tuition per year - 8874cad (now 9300cad)
No tuition deposit required
GRA appointment offer: 2000cad minimum monthly

Applications:
Primary Applicant: Study permit (PhD 4-6yrs program)
Other 5 family members: Visitors visa

Few Doc submitted due to size:

Primary applicant;
-GRA offer letter stating min 2k cad monthly
-Personal 4 months account statement- 10.5m balance
-Pension statement- 2.5m
-Personal Land Survey plan - 4 different plots (deeds not included cos of size)
-Company CAC docs only (husb & wife directors) attached on wife client section and no financial doc attached cos of size
-One Vehicle registration documents
-School certificate & transcript
-previous research publications
-SOP
-LOE
-Authorization for leave from place of work

Dependents:
-application for Visitors visa for all
-Wife credentials and CAC doc for our company and one other business registration
-LOE stating that spouse will bear all financial obligations through personal account and GRA offer
-parents consent letter for children

Please I need to resubmit these applications as soon as possible.
I need advice on what to do differently pls.

@bullstriker and other gurus in the platform I need your support pls

See attached

mrprolifik:
The best answer to your question would be the one that came for your institution. What I know is that you would need to submit a new application on a program if you fail to defer that program within the time allowed for program deferment.

I’ve sent emails to the school before the break without responds. By the time school resumes on 5th, the deadline must have passed.
If I don’t differ and the Study permit comes out late, say 1st week of February, will I not be allowed to catch up, does it really require that I should reapply? Remember, PhD is a research based with about just three courses the entire years which can be registered subsequent terms. Pls am just asking, I need to know more from people’s experience and opinions.
Thanks

bullstriker:
1. I recommend you defer the admission to September. If your application is approved before December 31, you can quickly inform the school; I doubt your request will be granted before December 31.

2. Most likely, but they don’t always ask

3. It's unlikely they will request for updated POF if you defer. IRCC usually ask for updated POF when they suspect you inflated the account or the application has taken longer to process. They want to ensure the funds are still available.

4. Contact your school for the deadlines to register or drop classes. You will not have any issues at the port of entry if you do not change the program and school.

5. Contact your school.

6. Contact your school.

7. I believe it will not slow the processing time.
A month prior to the start date is advised if you don’t have a justifiable reason to arrive months before your start date.

Hi Bullstriker,
Thank you so much for your kind response on my previous post.
Honestly it’s always a difficult thing when it comes to making some decisions.
Pls I will like to explore few ideas and consequential effects of “NOT DEFERRING” my admission within the deadline required to defer. What could be the risk or possibly challenges?
Pls Remember, I have a funding offer which started that “funding may no longer be possible if I could not resume all aspects of my admission by the admission start date” however, “if I could not resume due to COVID or other travel restrictions, funding will be limited to tuition and other fees”
Thank you again for your kindness and expected response.

Kajolplus:
Greetings house,

I paid application & biometric fees online and submitted application online too.

I got an email to do biometric at VFS.

Do I need to book appointment before going to VFS for biometric?

Do I pay VFS also for biometric service? If yes, at what stage would I pay it?

Thanks.

Yes, you need to book an appointment with vsf for your biometrics, however, you don’t need to pay again since you’ve paid online during your application.
Book an appointment, you’ll receive a confirmation letter for your appointment from vsf. On the appointment day, have with you your biometrics request letter, confirmation of appointment letter, 2 colored photocopies of your passport bio page with your email and phone number written on it, and your original passport. Good Luck!

bullstriker:
1. I recommend you defer the admission to September. If your application is approved before December 31, you can quickly inform the school; I doubt your request will be granted before December 31.

2. Most likely, but they don’t always ask

3. It's unlikely they will request for updated POF if you defer. IRCC usually ask for updated POF when they suspect you inflated the account or the application has taken longer to process. They want to ensure the funds are still available.

4. Contact your school for the deadlines to register or drop classes. You will not have any issues at the port of entry if you do not change the program and school.

5. Contact your school.

6. Contact your school.

7. I believe it will not slow the processing time.
A month prior to the start date is advised if you don’t have a justifiable reason to arrive months before your start date.

Thank you so much Bullstriker. I sincerely value your responses.

Good morning everyone,
Please I need your advice on this. I completed my medicals but yet to get medical pass for remaining 4 out of 6 family applications. My PhD admission and RA appointment is for January 5th start and have till 31st December to confirm my attendance for the winter start/defer my admission.
1) Is it advisable that I defer my admission to the next start which is September 023 or wait till study permit outcome

2) if I did not defer, will IRCC request for a new admission and updated appointment letter after the winter start?

3) If I defer will IRCC still regard my appointment as part of POF?

4) If I confirm to attend the winter session, register for the winter courses but encounter a delay in the approval of my study permit, will I be allowed to catch up (or drop) classes within the term or register for classes in subsequent term when my permit is finally approved? And what happens at port of entry

5) If I defer my admission and perhaps a few days/weeks later my study permit is approved, will I be able to withdraw my deferral request?

6) What is my fate regarding my appointment offer in either cases. How possible to secure new appointment?

7) if I defer to September and update IRCC, will they continue processing my application or slow the process. And if approved early, is it possible to travel months before school start?

Am full of thoughts, can’t sleep either.