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Joefit4gur's Posts

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TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 2:43pm On Mar 30, 2023
Please how valid is this statement for self-funding:

TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 2:21pm On Mar 30, 2023
nnamdi346:
Okay, did you just fill out the forms in addition to the online application or you were prompted by the system to download, complete the forms manually and upload them as part of your online application?

I also didn't apply from Nigeria perhaps the difference in the process (mine was a proper web page and not a set of downloadable form)

Sorry for the long question, just making sure I did the right thing.
You probably used the new portal. Old GCKey portal, you have to download and fill the forms.
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 2:16pm On Mar 30, 2023
Jogma:
Sure. For study permit/Temporary residence visa
1. Fill IMM 1294 form - Application for study permit outside Canada
2. Letter of Acceptance from your school (Offer of admission)
3. Passport data page
4. Proof of funds for tuition and Living expense
5. Digital passport photo
6. Fill IMM 5645 form - Family information
7. Proof of upfront medicals
8. Fill IMM 5257 form - Application for TRV outside Canada.
9. Client information (Letter of Explanation).

For Letter of Explanation, i gave reasons for study decision, explained adequate proof of fund and showed ties to return to home country.
Uploaded LOI from my office, proof of funds letter from bank, receipt of paid tuition deposit, Proof of ties to Home country - Marriage cert, kids birth cert, family photo, photo and document of landed properties, employment letter from office, payslip for 4 months, travel history and visa stamps on ur passport (if any), first degree certificate, NYSC certificate, Police character certificate (not sure if this was important but added it anyways).
Congratulations brother. Do you mind sharing a sample of your pay slip? (Please blank out confidential info). Is tax deducted from your payslip? I am asking because I am self employed, and want to create one for my business before submitting. Did you submit any tax clearance slip?
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m):
Christyiji:
Good morning people..

Pls I need an assistance on what to do right now.
I was refused visa on the ground of the following according to VO;

I am not satisfied that you will leave Canada at the end of your stay. I am refusing ur application because you have not established that you will leave Canada , based on the following factors;

1. Your assets and financial situation are insufficient to support the stated purpose of travel for yourself (and any accompanying family members), if applicable)

2. I am not satisfied that you have sufficient and available financial resources without working in Canada, to pay the tuition fees for the course or program of studies that you intent to pursue.

3. I am not satisfied that you have sufficient and available resources , without working in Canada, to maintain yourself and any family members who are accompanying you during your proposed period.

I am going for Masters of Management in University of Windsor, and my tuition fee is 43,000cad in total. I showed N8,351,000 in my uncle'S bank statement, N6,000,000 in my cousin's bank statement and N3,000,000 in my bank statement because they are my sponsors though I am married. Meanwhile, I have already paid 4,000cad for tuition deposit.

So, now my family members are contributing money for my studies which according to my sister, they planned giving me N10,000,000 and my that my uncle that was my sponsor want to transfer the N8,315,000 to my account while he will do a gift deed to that effect. So now concerning my family's contribution, how best am I supposed to show the funds, should they deposit it individually into my account or is it better one of them gather it in his/her account and send it my own account?
With 43K CAD tuition, that's two years course, yes? You may need to show available funds up to 22M, and may need to pay first year tuition to prove commitment to the VO.

Reason 1, it's hard to pinpoint the exact issue until you receive your GCMS notes.
Reason 2: You have not showed you have available monies to pay your tuition for the total duration of your stay (Pay first semester/year tuition)
Reason 3: You have not showed you have available monies to pay living expenses for the total duration of your stay. (Show POF of 15KCAD for living expenses or do GIC 10KCAD)
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m):
Welsh2np:
It’s deffo not option 1, and most likely option 2.
Because for option 1, that’s not what I did. Infact, what I noticed about IRCC from my personal experience is, they are more interested in the source of the Money rather than the actual Money.

I see you talking about Crypto-, they don’t know that.
- and If I be honest yeah, speaking of crypto- where did you get the Money to trade the crypto? This is also an important question you must answer, abi them Dey start crypto with zero naira?

For VO eyes eh, this guy na cyber criminal (Yahoo guy)....

Blunt truth.

But whatever you’re doing in a reapplication, you must be very careful, these guys have privileged information which would not reflect in your GCMS notes, the new VO reviewing your files would want consistency with the old application, at least to a certain degree, you must be careful when providing new information.

Selah!
I think olokings has used digital assets to support his application and got approved. Although he also showed previous work history and pay slips. Crypto is legal in Canada, so cannot really say if they frown at people who engage in it. You have a point with the bolded, and I have shown my other businesses, albeit without tax clearance. I've been self employed since after Uni running my B2B and that's the source of money used to invest in crypto. So I intend to get a Profit and Loss statement for my business and also the tax clearance (Thankfully I have always used a personal excel bookeeping for my business). I just fear how much I owe in taxes LOL.

In my first refusal, There were two reasons for the refusal:

A. Your assets and financial situation are insufficient to support....
B. I am not satisfied that you have sufficient and available financial resources, without working in Canada, to maintain yourself...

And in the GCMS notes, summarizing the VO concerns:

1a. Bulk deposits (lump sums)
1b. Limited evidence to source of funds, and;
1c. no income tax paid nor pay slips

2. VO thinks I should at least pay full tuition to show commitment.

I tackled 1a, 1b and 2 in my application. But did not tackle 1c. When the refusal letter came for the second application, the reason B above was gone, leaving only reason A.

PS: You can start crypto with zero Naira, there are airdrops; I am legit as they come, and sure enough my info were consistent back to back.
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m):
Danilvex:
I don’t think digital asset is recognized by them as I don’t think crypto is recognized in Nigeria too
Digital asset is not recognized, true. But the digital asset had been liquidated. It's not like the funds is in form of crypto. It's in fiat.
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m):
jarule1977:
I am also a learner, but can you help provide more detail on the remaining tuition fee + 20K (2 yrs living accommodation). so Guru in-house can help with more context for us still cooking our application too can learn.

if they claim we only need just 1yrs POF, some people here also advise us to have full POF for the 2 yrs + extra.

pls I assume this calculation, but you can correct what the 2nd yr tuition

if 2nd yr tuition = 21K CAD
2 yrs accommodation = 20K CAD
Total = 41K CAD @ minimum excluding some miscellaneous cost

@ today rate at IRCC portal(0.00298980) = 47K CAD

Like I said I might be wrong, pls guru in-house help us too with POF total against the VO expectation

All in all, I pray GOD to bless us PPR soon.
The calculations are right. The amount of POF available is even more than required. I have a two deductions pending till I receive my GCMS notes:

1. That the POF must be available in the account for 3-4 months. (That is, just stacking your account to the full amount required for POF and then applying immediately = Red flag). So maybe wait 2/3/4 months with POF in account then applying.

2. That if you intend to fund your studies solely from crypto liquidated funds, you still need to corroborate with a legal business running in Nigeria. Show payslips and employment history and if self employed, show evidences of your interaction with clients, receipts etc.

Maybe the experts can review.
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 1:48am On Mar 22, 2023
ShalomShalom:
I waited 5 months The account was already running though since last year june, but as at September when I wanted to submit my agent suggested that I wait till January 24th for my POF to mature well so that when I print out the 4 months statement the opening balance will start from 14m. Lmk if you understand.
I understand. I have the full POF complete March 5. Applied 15th and got refused 21st. I intend to wait till June 1st to apply again. But I won't transfer out or in of the account. Except the monthly interest on the monies. What do you think? Do I need to transfer in and out or I can just leave it there?
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 3:57pm On Mar 21, 2023
Welsh2np:
Wetin be all these “POF to mature” wey una Dey talk?

Just have a well-defined inflow and outflow of funds in your account for the duration of 4Months, explain all lump sums (if any).

In my opinion, the expression “POF to mature” is misleading.

Thanks
Well this didn't work for me. Deposited till I garnered the full POF. Then applied 10days later. Showing where the inflows came from etc. and documents to follow the trail. Yet, still got refused for "Insufficient funds".
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 3:24pm On Mar 21, 2023
ShalomShalom:
WHAT MY GOD CANNOT DO DOES NOT EXIST !!!!!!!!!! MIRACLE NO DEY TIRE JESUS OOOOOO

I Posted this 5 hours ago with faith behold I was called exactly 10pm to be informed about my PPR.

Application and upfront medical March 7th
Biometrics - March 13th
PPR - March 18th

Fastest Application ever !!!! I’m so elated

Full timeline dropping soon. Till then help me celebrate my GOD
Hi Shalom, how long did you wait for POF to mature? Did you have the full amount first in the account, then waited 4 months?
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 12:41pm On Mar 21, 2023
Bobomaigida:
They might have difficulties in marrying revenue from your business as your income. Did you attach tax clearance for the business account?
No. No tax clearance at all. Do you know how this tax clearance ish is done? Do you have a contact?
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 12:16pm On Mar 21, 2023
Bobomaigida:
So sorry Joe for the refusal. I believe they do not recognize the funds from the digital assets sold, to them it look like fund just raise for demonstration purposes, if you have taxes paid on them, it will to some extent show that fund were made from a recognized source. Then the fact that you applied 10 days after you receive the funds after the completion of the POF was also a red flag. if your resumption date is still far, I think you should let the funds stay in your account for a while so that your ownership would have been adequately conferred on them before resubmitting the application.
Thank you sir. No, there are no taxes paid. Don't think there's any paid in Naija for crypto. Resumption is September 2023. However school mentioned they need copy of study permit by July 1.

I mentioned in my SOP my other source of income aside crypto. I run a B2B, I have an app used for data purchase, bill payments etc. Showed business reg certificate etc. Could this affect?
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 12:09pm On Mar 21, 2023
Legitmenaija:
So sorry.

Don't give up.

Let the gurus in the house advise you on what to do then you apply again..

But the time is short o.

You applied on 15th March and they denied you less than a week.

Just calm down.

It will end in praise definitely.
Thanks Baba. Not giving up.
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m):
Second refusal, omo! Satan is a liar. They don't think I'll leave Canada because:

* Your assets and financial situation are insufficient to support the stated purpose of travel for yourself (and any accompanying family member(s), if applicable).

2 Year Course
Applied March 15th.

1. Full tuition paid for first year: 21KCAD
2. ** in POF account
3. Showed trail of funds from crypto to traditional bank account
4. POF was complete March 5.

Dunno if I got the POF calculations wrong, or it's cuz I applied 10-days after POF was complete. Since I showed proof of the digital asset sold. My morale is low, but I have ordered CBSA. I'm not touching the monies, but any idea into what could have gone wrong?

Previous CBSA mentioned "Financial information is not supported with evidence of income tax paid nor pay slips, for the bank statement balances on file." I didn't add any tax slips because the monies for POF were from digital assets sold. Do I need to show tax paid for that?

Omoooo!
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 12:26am On Mar 09, 2023
Will be reapplying soon. Wish me luck! I'm for Fall 2023 sha.

prunchee:
Hello everyone
PPR in January
I will be going to Red River College Monitoba for January 2024 winter session. Anyone who will like to connect or is there any WhatsApp or Telegram group I can join for networking purposes. I will really appreciate .
Thanks
Congratulations to everyone who have gotten their PPR
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 11:02am On Mar 06, 2023
johnstan:
This is a really detailed CBSA Note. In summary, it points to your POF as the reason for the refusal.

If you declare that you are working and earning a living, you have to provide every document supporting that.

If you are working under an employer, you need to provide your pay slips, a letter of introduction from your employer, your letter of appointment, letter of promotion etc, which I did.

If you are self-employed (i don't know much about this), then documents relating to your job are required. Some people add tax certificates, CAC documents etc, to support the application.

If you have lump sums, quoting from the visa officer's statement "Account summary indicates a closing balance that would be achieved by a bulk deposit of over 10 million Nigerian Naria", you need to explain it on your SOP and attach receipts to back it up.

Also, the statement "]Last page (final day's entries) missing from PA's personal account" is unclear to me, but I'm sure you can relate. Try to ensure that any information on any document you upload is up to date i.e. up to the date you submit your application.

My take on this, never leave anything to the visa officer to decide by themselves on your behalf. Provide all necessary documents to back any statement you make on your SOP.

Good luck.
Thank you boss. As regards the "entries" text, you know when you send money to an account on a Sunday, and it won't show on your bank statement until the next working day, this was what happened. I am self employed.
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 11:01am On Mar 06, 2023
Bobomaigida:
I think you just have to work on the sources of fund part, though the fund is available, the sources is being doubted, once you show clearly where the funds come from, you would have successfully tackled the issues. I also align with the other advice from Johnstan.
Thank you sir, if funds are from crypto, and I am only submitting personal account, do I need an income tax certificate?
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m):
CBSA Notes finally arrived. Please help share your thoughts. @Bobomaigida, @Frankrobbn1, @olokings, @bullstriker, @johnstan
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 8:12pm On Feb 16, 2023
Owanhero123:
Centennial college May intake

Application submitted January 6 2023

Submission confirmation January 6 2023

Medical request January 26 2023

Medical done 8 February 2023

Medical passed 13 February 2023

Passport request 16 February 2023
One or two year course?
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 3:39pm On Feb 16, 2023
Aphrodite007:
My course is 16 months (2 years) but I showed maintenance for just 1 year — 10300CAD in GIC
But you showed tuition for 2 years?
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 11:54pm On Feb 15, 2023
Mimifam:
Pls someone should help me with this question, I'm going for 2yrs course, my question is will I have to show living expenses for me and my dependent for two year duration or just 1yr
If you're self sponsored, you need to show for both years.
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 6:57pm On Feb 07, 2023
pufframmy:
pls how much u used as POF. in your second application
thanks
I have not submitted the second application. Probably early March.
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m):
Congratulations. What was the duration of the course? one or two years? Was also recently denied, I don't think they got the first year tuition payment I submitted via webform too.

Rabbi25:
Good Morning Guys

Is PPR Guys

I must sincerely appreciate you all for your contribution, comments and feedbacks. I couldn't have done it without this page.

Virtually everything I did was direct outcome of the information I got here.

My first application was denied for because of insufficient found on October 28 last year, immediately reapplied on the 11th of November with same details. But this time instead of sending my school fees payment through webform I attached it with my application.

My Lesson

Attach everything necessary before submitting application, your additional attachment through webform might not be considered

One more thing I did, was attaching another updated Statement of Account and Tuition Fee Payment Confirmation alongside my Admission deferment letter. This was sent just before my Eligibility commenced

My first application was denied because the visa office never considered my $16,000 tuition fee payment I made 2 months after submitting my application.

Funny enough my proof of fund in my first application that was denied was almost twice the amount in the second application.

Thanks guys
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m):
Bobomaigida:
The documents were maybe difficult for the VO to download or open, then they also had concerns with the transaction flow, what was opening balance and closing balance as at now.

Then request for a new note to know the final assessment.
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m):
Hi. CBSA notes arrived, please see assessment notes. Do I order for a new one?

PS: Full first year tuition not acknowledged.
What do they mean by "concerns with document formatting" and "concerns with balances at the beginning and end of document"

cc
bobomaigida
bullstriker
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 7:34pm On Jan 31, 2023
bullstriker:
1. It works if you have a sponsor and does not work for a self-sponsor.
2. It should, but you must explain the source of funds and, if possible, show the trail from digital currency to your account.
Thank you Baba. To be safe, I'll wait for the notes to arrive then re-fire.. Bless you sir!
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m):
skull4eva:
Was the **m resident in the company account? Also was the **m left after the 18k cad balance was paid becos this is kind of not usual
No the **M is not resident in the company account. After paying the 18KCAD balance is in a separate account from the ** M (I have used *M for business (iPhone buy/sell).
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m):
bullstriker:
I gathered from your information that the tuition fee per year is 21,000 CAD. And after paying the first year’s tuition fee, you were left with a balance of *** for a 2-year program. If I understood the information correctly, the available funds are not enough, considering you have no sponsor and are going for a 2-yr program.
Thank you bullstriker. The narrative that you only need to show POF for the first year and then show how the funds for the next year will be made available don't work anymore?
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 3:11pm On Jan 31, 2023
Bobomaigida:
1. As a self-sponsored applicant, going for a two-year course, IRCC will expect you to have secured the funds to take care of you for the duration of the temporary stay because there is no sponsor that will be sending the funds.
2. I think the VO has been confused with the funds from the business, and maybe is wondering why the business will be funding your education expenses.
3. The lump was a debit so that has no effect.
Once your notes come out you can share so we further insights.
Thank you. WIll revert as soon as it drops!
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m):
Bobomaigida:
Sorry for the refusal,

To understand we have to wait for the notes to understand, was it a family application?
How were the funds in your personal account saved over time? Were there lump sums?
Why did you add the company account statement? (It is possible they gave more weight to the company statement).
Please provide answers to this so the house can advise further
Hi, thank you for your response. It was not a family application. Going alone. Monies was from businesses, showed them the sources of income.

It is a 2year course, and I explained how I would be getting the funds for the second year, especially as the school will be resuming in August / Sept. I explained the tuition for the second year would be available by then.
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m): 2:38pm On Jan 31, 2023
Uzorsammy:
In ur company's account was there 25m or the inflow and out flow is 25m? Are you self employed? Or you have a job? Is sit 2yr course or one year course. [
Just the inflow and outflow, it probably had a balance of less than 1M at the time of submission. I used my personal account as the POF account. I only uploaded company account in case the VO is wondering for the source. Then also liquidated crypto funds to support application. This was shown with proof.

Self employed yes.
2 year course, yes.
TravelRe: Canadian Student Visa Thread Part 22 by joefit4gur(m):
Good afternoon Japa fam!

I was just refused based on:

• Your assets and financial situation are insufficient to support the stated purpose of travel for yourself (and any accompanying family member(s), if applicable).

• Pursuant to paragraph 220(b) of the IRPA, I am not satisfied that you have sufficient and available financial resources, without working in Canada, to maintain yourself and any family members who are accompanying you during your proposed period of study.

I have already ordered CBSA notes on the 7th of January, but eligibility started on the 18th of January. Do I order another one now, or wait until February 10, when the notes will come out?

November 7th Applicant, self sponsored.
Red River College

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