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JESUSSON1's Posts

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Romance / Re: My Partner’s Betrayal Has Pushed Me To Depression , Please Help by JESUSSON1: 4:50pm On Apr 19, 2023
She will cheat on u again. Just move on, get urself another kitten, u will be ok
concho:
We started dating when she got admission in 2018. She was a novice and a church girl then .
There was nothing like intimacy till 2021 and that was when I deflowered her ,

Since I promised my self that I must marry who ever I deflowered , I started taking care of some parts of her needs hoping that I will get financially stable and settle down with her .

She was the type of girl that everyone assumed to be an angel . I trusted her more than anything on earth .

She is too jealous that she suspects that I’m cheating even when I was not . She misinterprets everything an opposite sex sends to me

Fast forward to 2022 . She visited one day and got upset that another girl referred to me as “babe” on chat instead of saying “hi” . I insisted that she brings her own phone so I check if a guy has never called her babe

On getting to her chat , I noticed this guy that she saved as “my favorite” . They had no chats (she deletes everything) . I decided to dig deeper only to find out that this guy has been going to her house (family house ) to sleep with her . It’s not once , it’s not twice . And it was frequent the period she even said I should give her space that they were doing family prayers

The worst is that I told the mum and elder siblings out of anger. They did absolutely nothing . The mum only denied knowing that the guy comes around when everyone is out

A month later, I saw a chat of the mum asking her why she doesn’t pick the guy’s call again . I almost ran mad

She has promised and vouched that she won’t try such again and doesn’t know what came over her her .

I have tried everything possible to forgive her since no one treats me the way she does , but I keep loosing weight and falling sick by day .

I’m currently depressed and don’t know what to do again
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 9:30am On Apr 11, 2023
Sorry for the delay. Have U gotten ur notes to know the reasons for the delay?


The answer to ur question is, police clearance is not compulsory quote author=Aghoghomena post=122438766]Hello guys,

Please, submitted my application November last year and my application was refused last month. I'm presently putting together more documents as I intend to reapply by next month. My question is, do I need a new police clearance certificate? [/quote]
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 7:18pm On Apr 05, 2023
Congrats bro. and thanks for this vital info u dropped here
Thestarbear:
I've received my stamped passport so I'm going to post my timeline and documents i submitted below. First time applicant.

Application submitted: December 3rd 2022
Biometrics: December 13th 2022
Medical request: February 15th 2023
The day I did Medicals: March 3rd 2023
Passed Medicals: March 8th 2023
PPR: March 14th 2023
Submitted passport: March 23rd 2023
Passport ready: April 3rd 2023
(I would have gotten it earlier if I did not waste time to do some things like Biometrics and Medicals, my advice is that if you want your PPR earlier, when they send you request to do Biometrics or Medicals, go ASAP)

Documents submitted (I didn't submit more than required) I am self sponsored, I did everything myself aside from the LOE/SOP that my brother and I did together
All the required forms
International passport Scan (no travel history)
Passport photograph of myself (Canada standard)
Letter of Acceptance with receipt of first semester paid (around 8000 CAD)
Detailed Letter of Explanation/Statement of Purpose with my resume/CV attached.
(My advice for your LOE is to make sure you mention you are coming back to Nigeria. Don't just imply you are coming back. Put that "when I get back to Nigeria etc" even if it's a lie. The Visa officer needs to know that you are going to come back. And I saw on one YouTube video during my research not to hype canada up too much, don't say something like "Canada is a great country, great employment opportunities etc" because the visa officers already know that. All they are hearing is that "Canada is good and you will not be coming back to Nigeria." What I did was that I said I was going to Canada to LEARN and I stated I will be coming back to Nigeria. I mentioned my family as home ties, put as many home ties as you can. I did not submit any photo of my family or birth certificate or any of that)

Proof of funds: Around 16m (it's only me going)
I submitted both my domiciliary account and naira account bank statement of four months for both. I put the receipt of tuition paid, along with the contracts from companies I've worked with and the payslips from when the paid me. The payslips showed tax deduction so I did not get tax clearance certificate.

I didn't do police clearance

You don't need agent to do anything, you can do everything yourself. Just make sure you get someone you trust to go over your LOE and POF to make sure you're putting the right thing. These two things I think are what really make your application strong. I took a whole month to write and edit that LOE and even the POF just so I could make sure I did everything right.

Arrange everything like it's a story, just imagine you're a visa officer going through hundreds of application, you don't have time to waste, so don't waste the VO's time either. Arrange it well, put everything in order, make sure you explain everything in detail. Explain any lump sum, explain anything that will make the visa officer stop and ask why.

I don't know about other people but not only did I put bank statements, payslips etc in my POF, I started explaining anything money related, I used a whole page to talk about where the money came from, how company paid me and so on.
Then I used the LOE/SOP to only talk about myself, why and what I want to study in Canada and home ties. I thought this would help someone, you can use your POF as kind of a LOE regarding money incase you don't have space in ur LOE, but be careful you're not putting a whole essay inside your POF, no beat around the bush, save the main talk for your LOE/SOP.

Another thing a YouTube video mentioned is that anything you say in your LOE/SOP cannot be unsaid so BE CAREFUL. Don't write one made up story, if they reject you and you try and take back what you said or change it, it will not help your case. Be very very careful you are telling the truth or at least, you are not telling a lie.

Nairaland truly helped me when I was applying, i was on it the whole day researching and i owe this forum a lot so thats why im saying all this. Do you research, pray and everything will be okay!
Sorry if my thing is scattered but I hope you guys get my point : ) goodluck to everyone!
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 4:30pm On Apr 01, 2023
I think u are using temporary resident permit in UK. When u are applying outside from ur home country, U should have a very strong home ties back home,and evidence that u use to travel back to ur home country time to time
Mimifam:
Please gurus in the house I need all the help I can get, and if there is any good agent you can refer to me I'll appreciate I thought I did everything I'm supposed to do, application was done in the uk. I got refused yesterday for the following reasons
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 10:43am On Apr 01, 2023
Wow. Thanks for the info. I'm sending u an email right away. My wife is the PA, I wanted her to go alone first, but now, I think I should reconsider my initial plans and apply togther with her.
Bamz555:

Like I’ve always stated here, ur SOP is your power house. And it has to be a true life story, and be sympathetic nd compassionate in it, the VOs are human too. Learn to play on their emotions with empathy. And in a situation where u want to cook up something try to make it look so real it helps.
When I was filling d IMM FORMS, I stated d available funds for d program duration is over 109,000cad. The 20m was a proceed from d sale of d house gifted us by sponsor, I also stated that we own a 2010 Camry car which we will sell before traveling (note dat d car is not sold yet), I stated d worth there (note no evaluation or certificate of any kind), so funds for d program is 20m plus 4m from car to be sold, nd the 2500cad monthly x 3yrs from sponsor, I did proper justice to all this in the SOP nd it was very simple nd easy. I also draw out a table as adviced by @Bobomaigida that shows my revenues nd expenses, so that d VO will know that I know nd I’m sure abt what I’m saying, total expenses for a year fr us both tuition+living expenses+miscellaneous is 39k cad for a 3 yrs program but I dissected all dis calculations in a table nd it was very explanatory that there’s more than enough for d 3 yrs, I was d one that decided to do sumtin different by saying sponsor will support with 2500cad monthly, unlike others just writing letter of sponsorship that just says there is a sponsor and he will sponsor u. I can say confidently that I’ve gained so much knowledge nd experience in dis visa application stuff from my researches nd questions nd dealings with people both home nd from abroad.

2 Likes

Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 8:50am On Apr 01, 2023
U cant use naira debit card to pay for it because of CBN policy. If u have dollar debit card, u can use it. Cheers!!
smokey12345:
Good day great people,
I would like to tender my case here because i believe in Nairaland Travel section more than any agent.
Last 2 weeks i applies for like 2 different colleges, Humber and Lethbridge college.

Lethbridge offered me admission which i should pay acceptance of 1000CAD before April 14th. Can i pls pay with my First bank debit card or what medium can i use and can i start preparing my POF now ?

Thanks
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 7:02am On Apr 01, 2023
Congrats Bro. What God can not do, does not exist. Is the 20m enough to cover the whole expenses, both the tuition fee and living expenses of u and ur wife?. Because a lot of applications got denied because of using company acct as POF, especially when its not ur personal busness
Bamz555:
My NairaLand Family it’s PPR!!!
All glory to God Almighty!
3 weeks processing time
First time Applicant
I did the application all by myself, @Bobomaigida helped review my SOP🙏🏻
Study permit for wife & SOWP for me.

Timeline:
Submitted application 8th March
Upfront medicals 21st February
Biometrics 13th March
Medical request 22nd March
Medicals updated to pass 30th March
PPR for both 31st March

Documents submitted:
-LOA (undergraduate) (we didn’t pay a dime tuition fee, except 100cad for app)
-Waec cert
-Birth certificate
-SOP
-Marriage certificate
-Wedding pictures
-Family pictures
-Travel history pages of passport
-Change of name affidavit&newspaper publication
-My company documents
-My wife has a logistics business also, so the delivery bikes picture.
-Landed property allocation letter (it’s an estate land in Abuja) no survey no valuation no C of O.
-Employment letters for wife.
-Letter of Recommendation from office
-Pay slip just one month (February)
-Personal bank statement of just one month with balance of 20.8m balance. (I explained lump sum of 20m as proceed from sale of gifted property).
-The account was opened 17th February.
-Reference letter from bank
-Although I stated she has an existing zenith bank acct, but due to the CBN cash redesign policy Zenith closed their branch’s so that’s reason for new account. And I added newspaper publication to that effect.
-My Family house survey plan nd Deed
-My Family Farmland with survey nd just purchase receipt.
-Recently purchased 2plots in my village (just sales receipt)
-Gift deed for a 3 bedroom apartment from sponsor
-Affidavit of sponsorship (that she will support with 2500cad monthly)
-Letter of sponsorship
-Wife’s Aunt is sponsor
-Sponsor’s passport data page
-Pictures with sponsor
-Sponsor 6months Company Bank statement
-Balance of over #100m (I didn’t explain any lump sum as it’s a business account)
-Tax certificate
-Reference letter from bank
-GOD (prayers&fasting)





Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 4:54pm On Mar 24, 2023
U will get admission if ur weac is good?
Obiyochibudom:
Please I graduated from secondary school 2017 and I gained admission 2018 since then I haven’t graduated due to ASUU Wahala and Nigerian problem and. Now I want to apply for admission into a NBCC and I wanna use my WAEC to start a new course.
My question is what’s the possibility of me getting admission??
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 1:21pm On Mar 23, 2023
What course did u do in bachelor program?. I don't think getting admission there is that difficult, if u could meet their requirements. A friend of mine got admission there, but her own is two yrs diploma in business management
Swaggu002015:
Hello everyone, please I am looking forward to applying to post graduate diploma in international business in NBCC for September 2024 intake. I have 2.30 of 4.0cgpa even though the admission requirement is 2.0 of 4.0 cgpa and will like to know how competitive their admission is because i find it their tuition fee cheap and i need to apply early if must get an opportunity for my desired intake.

Also, i wouldn't mind if i can get recommendations on Uni/colleges in atlantic provinces for pgc or pgd business administration or international business with high acceptance rate
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 6:16pm On Mar 22, 2023
Sorry for the delay. Which course did u apply in Memorials Uni. I think some colleges might still be open. Check NBCC.
hardeydara213:
My boss & gurus in the house my admission was denied & it's there a possibility of still getting admitted this year & which school? Pls, your candid advice is highly required
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 7:08am On Mar 18, 2023
Sorry for the refusal. Do u guyz have active business running? Take some pictures of the business, pictures of U and ur customers, pics of u and ur staffs, sales receipts, company's name card. if u have business page of instagram or facebook provide the link, but it should it should be page u created before the visa application. if u guys have company account and there is inflow and outflow of cash, that will be great to provide it. Finally, if u guys have other convincing ways to explain the lump sum in ur spouse acct, then explain that with proofs. Cheers!!
subzheero:
Good morning, Please l received my gcms note this morning ,how can l address this.Again,out of anger l have requested for a refund from school but l haven't received it because l initially requested for a differer but school told me the next intake is next year May 2024 which is too far for me .Resumption is May 2023, can this still be tackled or l should collect my funds and look for another school .
Find below GCMS note

1 Like

Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 8:37pm On Mar 17, 2023
Congrats. U only used ur sponsor SOA?
Barahskali:
Guys it's PPR

No personal bank statement on my application

Timeline
Jan 18th submitted application
Jan 25th biometrics
Feb 17th medical request
March 1st went for medical
March 5th medical passed

March17th PPR

Ask Jesus and He will answer

1 Like

Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 2:37pm On Mar 15, 2023
Why are u wrorrying urself. he or she can easily get visa extention when he and she get new passport in Canada after the old one might have expired.
Bamz555:

It’s supposed to be a 3yrs course bt LOA says 4yrs it’s an undergraduate program. So basically it’s 4yrs
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 7:35am On Mar 14, 2023
If its possible pass the exam before submitting ur visa application.
damyzel:
Hello there, Gurus.
my first here.
I desperately need someone to educate me. I was accepted for a master's degree at Lethbridge University in the fall of 2023. Despite the fact that the offer stated that I could apply for my study permit with the admission letter, I still had to meet the GMAT requirement and pay a tuition deposit of $500CAD.
Kindly advise if I can proceed with the study permit application. I am actually terrified of my GMAT, which requires a minimum score of 600.
Please advise, elders.
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 1:10pm On Mar 12, 2023
I think if ur Dad can pay ur tuition fee and send u ur second yr tuition fee and living expenses as a gift will be cool.
ebelesomto1997:

-My dad stays in the US, he had a closing balance of 32k usd at the time of my application.(his payslip, letter of introduction from employer all included).
-My program is an MSC program with a total tuition fee of 25,000CAD, already made of a tuition deposit of 2,000cad meanwhile tuition for the first year only is 21,000cad leaving a balance of 4,000 cad for my second year.
-My closing balance as at when i applied was about 4.4M naira, meanwhile i was gifted about 3.5M naira equivalent to 10k cad for my one year living expenses that sum it up to my closing balance been 4.4M naira.
The money was transferred from my mums account because my dad doesn’t have a naira account,I got a gift deed to that regard and stating in my SOP that the money was gifted to me by my father but was transferred from my mother’s account and I went further to state on my SOP that the remaining balance of my tuition fee will be remitted to the school’s account each semester of my studies from my dads account using his debit card.
At the end of it all got a refusal based on assets and financial situation and the attachment below is my gcms note.
Please how best can i tackle the concerns given by the visa officer.
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 1:04pm On Mar 12, 2023
Logically VO is right based on his or her statement. U said that ur Dad is ur sponsor, he then deposited 3.5m to ur acct, which is lower than ur tuition fee and living expenses as a gift. my thinking is that VO assumed that the only money ur dad can afford to give u is that 3.5m. I think u would scaled through if u said that the 3.5m gift came from ur mum instead of ur dad. We should know that there is difference between gift deed and sponsorship. gift deed is a one time thing, with no further obligation.
ebelesomto1997:

-My dad stays in the US, he had a closing balance of 32k usd at the time of my application.(his payslip, letter of introduction from employer all included).
-My program is an MSC program with a total tuition fee of 25,000CAD, already made of a tuition deposit of 2,000cad meanwhile tuition for the first year only is 21,000cad leaving a balance of 4,000 cad for my second year.
-My closing balance as at when i applied was about 4.4M naira, meanwhile i was gifted about 3.5M naira equivalent to 10k cad for my one year living expenses that sum it up to my closing balance been 4.4M naira.
The money was transferred from my mums account because my dad doesn’t have a naira account,I got a gift deed to that regard and stating in my SOP that the money was gifted to me by my father but was transferred from my mother’s account and I went further to state on my SOP that the remaining balance of my tuition fee will be remitted to the school’s account each semester of my studies from my dads account using his debit card.
At the end of it all got a refusal based on assets and financial situation and the attachment below is my gcms note.
Please how best can i tackle the concerns given by the visa officer.

2 Likes

Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 10:25am On Mar 12, 2023
Sorry for the refusal. How much was in ur father acct and in ur own acct when u printed out the bank statement? Give us details of ur intended study. how much is the tuition fee and how many yrs program
ebelesomto1997:
Good morning NL.
My study permit got refused on the grounds of "asset and financial situation" been insufficient.
On requesting for my gcms note which i have attachment below is the concerns of the visa officer.
Please how best can i address this issue on my reapplication.
Please I humbly request for your opinion and assistance.

3 Likes

Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 2:57pm On Mar 10, 2023
Congrats. Can u share the documents u submitted
flory10:
Dear Fam,
ITS PPR. I want to thank God Almighty for making this come through for me. I also like to thank all the people here, those who ask and those who answer. Its amazing how people on this platform painstakingly answer questions to help others. All the info I used in my application I got from here. Thank you all

TIMELINE
Application: 19th January 2023
Eligibility: 8th or 9th Feb
Upfront Medical: 13th Feb
Medical Request: 20th Feb
Passed Medical: 2nd March- I had elevated blood pressure but everything else was ok.
PPR: 8th March
THERE IS NOTHING TOO HARD FOR GOD. My program is Phd in Social work
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 8:55am On Mar 10, 2023
Yes, U should mentioned it, lets pray that VO handling ur application wont take it as a big issue
Eniolakate:
I'm just curious, guys.

If one has been refused a visa before, say visit visa to U.S about 7 years ago, is it necessary to mention that? If yes, hope it won't jeopardize ones application.

1 Like

Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 6:52am On Mar 10, 2023
Have u been refused visa of any country before?
Habeebboy:


This is what the VO said: • I am not satisfied that you have truthfully answered all questions asked of you.
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 4:26pm On Mar 09, 2023
Congrats once again. are u going for BSC in nursing or PGD?
harkintem:
It’s ppr guys January 2023 applicant
Did everything myself

Application submitted : September 30th

Biometric request : October 1st

Biometric done : October 6th
Biometric updated: October 6th

Nothing happen on my portal since then
Sent several webform and emails.
Had to defer my admission from January 2023 to September 2023

CBSA NOTE REQUESTED : January 5th 2023
CBSA NOTE ARRIVE: February 7th 2023
CBSA note says application still in process

Medical request: February 24th
Medical done at qlife : March 1st
Medical passed : March 7th
Eligibility didn’t start at all


PPR March 9th


Document submitted

Tuition fee deposit: 4200CAD
Used my mom as sponsor
Sponsor account: available balance 4.5M
Fixed deposit account in my name: 10M
SOP: Wrote it myself ( I have a bsc in microbiology and want to go for Nursing at Brandon University)
Personal account: 2.9M in my savings account, 1250USD in my dom account and 800k in my investment account
Sponsor Voters card
Sponsor business documents
Properties worth 28M as home ties plus my business worth 4M as home tie( Uploaded my evaluation of property and business bank statement and receipts)
Birth certificate o
Travel history: No travel history
Updated CV
Wace result
Police clearance
Sponsor letter
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 1:37pm On Mar 09, 2023
congrats
harkintem:
The long awaiting positive result is here. My visa application got approved guys
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 1:01pm On Mar 09, 2023
Wow. Congrats. May the mapple land favor u. Please share ur timeline
blazetitov:
SOWP application and study permits for 2 kids - 10 days! That's on God shocked shocked shocked shocked

Awesome God!!!!!!!!!!!!!

2 Likes

Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 6:36am On Mar 09, 2023
With Naira mastercard or dollar mastercard. Only dollar mastercard can go. Cheers!!
gunvi:
Good morning my people.... Have been trying to do a pre payment tuition fee on my student application through Gtb mastercard based on the link given by the school but to my surprise its declining my transaction. How do I pay now??. I'm at a cross road. Thanks wiseones.
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 6:34am On Mar 09, 2023
Ohk.
MARINA49:
Bsc. Statistics and I didn't change my program
Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 7:11pm On Mar 08, 2023
Good. u guys SOP must be supper good and convincing
Cath1234:




Amen , he provided us his passport and my sis own and bank statement with his wife joint account that’s 1 account, then the other was his salary account .

1 Like

Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 4:13pm On Mar 08, 2023
Congrats. May mapple land favor U. Using ur sister's husband as the sponsor, how did u prove the relationship link, and financial commitment ?
Cath1234:
PPR came in yesterday, my own is a testimony , What God cannot do doesnot exist , you see this God and NSPPD . If you are not in NSPPD my dear better rush there because I am a living testimony.

Yesterday 7th was the first day of fasting (3days fasting in NSPPD) Infact that day I was crying and sad , I didn’t know it will be around 8.50pm something I will carry my evidence ).

Study permit approve(husband) , work permit approve ( wife ) and daughter ( visit visa ) . I use agent for my application…
Timeline :
Admission given : august
Upfront medical: september can’t remember the date
We have been gathering documents up and down and my agent delay us we were saying God which kind devil be this Infact we didn’t know God was preparing a better ahead , we have to pay for police report twice because the one we did September expire in December we had to do another one ,. In all God is the greatest .
February 12th : Application submitted
February 12th: biometric request
February 20th: biometric done ( it was not updated according to my agent )
February 27th : medical passed
March 7th : PPR landed for my husband (study permit) myself ( work permit ), daughter ( visit visa )
What God cannot do doesnot really exist …


Documents submitted
1.My sister husband was the sponsor , he provided all the bank details his companies details.

2. Payslip for wife , husband (3months )
3. Land documents , including rental incomes ,
4. Cv, transcript , school credentials both wife and husband
5. Employment letter
6. Paid study leave
7. Royal documents showing am from a royal family
8. Fixed deposit of 5million .

1 Like

Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 1:03pm On Mar 08, 2023
Yes. Congrats. U can go ahead and share ur timeline with us
jimikata:
Hello guys..,
Please help me, I requested for my CBSA notes and it came out this morning, but I don't understand it, does it mean my study permit has been approved.
I used an agent and he hasn't communicate with me.

1 Like

Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 11:13am On Mar 08, 2023
Thanks u a lot for the feedback, at least some of us will learn from it. Cheers!!!.
Olayinkaji:

Initially I used an agent who went to apply for a post-secondary course for me. That didn't show enough career progression, a B.Sc. going for a post-secondary course. And my SOP was also vague.

WHat I did, I went for a Post Graduate Certificate course in Project Management, what I am doing presently at my work place (Project Officer), and explained why I need the course to help further my career in my organization. Also attached a training certificate program in my SOP etc. and explained why I was denied in my SOP too detailing my mistakes.

I organized my SOP bit by bit for more clarity instead of like an essay.

Also I paid a semester tuition fee.

2 Likes

Travel / Re: Canadian Student Visa Thread Part 22 by JESUSSON1: 10:37am On Mar 08, 2023
apply GCMS note to know the real reasons.
JDB55:
I included the evidence of the first semester tuition deposit i made, i submitted my CAC cert, tax clearance & past transactions with clients. As for Lump-sum (I don't think there are any), my account is always busy- money goes in and out on a daily basis.

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