you see, i may be wrong, but you are not supposed to touch a financial bank statement mostly when you tendering same as evidence. You can quote / reference page, line, etc and give clarification. However, i think using adobe to highlight, comment, or affixt notes in the financial statements invalidates it eligibility. that is walking a super thin line if you ask me. I may be going overboard. But come to think of it, if you can highlight financial statements with adobe app, who says you haven't changed figures there in? The VO may not totally red flag it, but you are causing your submissions to be subjected to more scrutiny and validity checks, which you don't need.

I think that is the reason why MBS are directly transmitted to the embassies. The VOs are trained to review and analyse bank statements, hence simply referencing it in your SOP or LOE is enough to guide them to the transaction you are trying to clarify without altering the financial documents.

Thomsyne:


Hey olokings, cooooooks,

I keep seeing this talk of "altered" bank statements and suddenly I got scared cos I highlighted a FD credit and debit on my father's statement of account to show inflow and outflow of the funds. I didn't alter figures, I simply used Adobe highlighter to color the column in yellow so it can easily be spotted. I couldn't use MBS because it is a Microfinance Bank and they don't have MBS.

Hope this isn't a problem? Also, as at the time I submitted, the funds were fixed, closing balance was low, although with the same bank but would have matured around August 9. I attached the certificates from last year to backup those highlights too.

Shayo5:
Your agent is right, you will be banned if the IRCC should detect any form of alteration on your SOA, it will not only affect your chances with Canada but with some other countries as well. if you POF is not enough find legal ways of working on it.

All the best.

Thank you.

olokings:
you see, i may be wrong, but you are not supposed to touch a financial bank statement mostly when you tendering same as evidence. You can quote / reference page, line, etc and give clarification. However, i think using adobe to highlight, comment, or affixt notes in the financial statements invalidates it eligibility. that is walking a super thin line if you ask me. I may be going overboard. But come to think of it, if you can highlight financial statements with adobe app, who says you haven't changed figures there in? The VO may not totally red flag it, but you are causing your submissions to be subjected to more scrutiny and validity checks, which you don't need.

I think that is the reason why MBS are directly transmitted to the embassies. The VOs are trained to review and analyse bank statements, hence simply referencing it in your SOP or LOE is enough to guide them to the transaction you are trying to clarify without altering the financial documents.

Hmmm... you make some points. Is resending an unaltered copy of this document via webform explaining my reason a good idea?
Hope it won't elongate the duration of my application 'cos its already 13 weeks as is.

Hello nne79,

I used www.gcmswriters.com

It took about 50days.

nne79:
Please how did you request for your GCMS and how long did it take before you got a reply.

Good day everyone.

I visited the bank today to inquire about PTA and I was told I can't get PTA because I'm under 18. First bank to be precise.
What do I do Please, I already bought a return ticket just for this purpose.
Please help a brother.

Hello Frankrobbn1,

I will resend as advised.

Thank you for sharing the template I appreciate.

Also I still don't know how to explain the issue of passport which was stated it will expire before end of stay.

Thanks.

Frankrobbn1:


My suggestion is that you keep sending the documents to them via webform.. you can do this twice a day for a whole week.


It will end in praise

True, there may be more validity checks but some agencies recommend highlighting transactions on financial statements.

Even if IRCC were to do forensic analysis, they will see that the highlight is the only difference compared to the original document.

Cc Thomsyne

olokings:
you see, i may be wrong, but you are not supposed to touch a financial bank statement mostly when you tendering same as evidence. You can quote / reference page, line, etc and give clarification. However, i think using adobe to highlight, comment, or affixt notes in the financial statements invalidates it eligibility. that is walking a super thin line if you ask me. I may be going overboard. But come to think of it, if you can highlight financial statements with adobe app, who says you haven't changed figures there in? The VO may not totally red flag it, but you are causing your submissions to be subjected to more scrutiny and validity checks, which you don't need.

I think that is the reason why MBS are directly transmitted to the embassies. The VOs are trained to review and analyse bank statements, hence simply referencing it in your SOP or LOE is enough to guide them to the transaction you are trying to clarify without altering the financial documents.

bepositive11:
True, there may be more validity checks but some agencies recommend highlighting transactions on financial statements.

Even if IRCC were to do forensic analysis, they will see that the highlight is the only difference compared to the original document.

Cc Thomsyne

Thanks for your input. I'm leaning towards leaving it as is since I added other supporting documentation, i.e, the investment certificates over the past 1 year.

Please who has contacted an MP in Ontario before and recieved an answer please let me know because all the ones I have been contacting are saying they cannot attend to international students. Please people...

Thomsyne:


Hmmm... you make some points. Is resending an unaltered copy of this document via webform explaining my reason a good idea?
Hope it won't elongate the duration of my application 'cos its already 13 weeks as is.

If your eligibility review has started just let it be but if you want to put your mind at ease you can send it surely it won't even be acknowledged until after a month anyways but it's fine.

Yes indeed.
I will recommend sending an updated SOA using LOE, moreso that the fixed deposit lifecycle have elapsed hence, the funds have been liquidated into your account. Leverage this opportunity to do a case reminder to IRCC Nairobi office.

Use the LOE to clarify the situation, remind them on the fixed deposit funds now fully accessible by you, then point them to the need for you have a case status update to enable you progress & finanlise preparation for study resumption. (use the situation to your full benefit.) continually transmit the updated SOA via WEBFORM & EMAIL each to NAIROBI, LAGOS, ABUJA, LONDOND, ACCRA, GHANZHOU once a day twice a week, for three weeks then stop. winks.

good luck meehn.

Thomsyne:


Hmmm... you make some points. Is resending an unaltered copy of this document via webform explaining my reason a good idea?
Hope it won't elongate the duration of my application 'cos its already 13 weeks as is.

olokings:
It is your father that is sponsoring you.
Establishing that type of relationship with sponsor, he should be able to demonstrate commitment by transfering requisite funds (say living expense & tickets) into your own account while paying you tuition with a gift deed.

Bringing the company account and signatory set up into the picture is simply to establish his source of funds. He cant simply because he is the CEO grant you scholarship by the company. I dont think that is ethical practice, oyinbo people dont think the way we do, lol.

He cannot be commiting company funds for personal usage when there are shareholders or employee welfare to take care of. unless you are talking about a one man SME.

But lots of people have used their Fathr's company account and has been approved I think the most important thing is a letter of incorporation to show that the company is a registered company about 40% of naija companies never register themselves they just acll themselves companies, another important thing is a signatory letter from the bank to show that your father can actually withdraw money when he wants to and once again proof of ownership of bank account if there are two signatories or more, this may be a red flag.

Frankielilbaby:

If your eligibility review has started just let it be but if you want to put your mind at ease you can send it surely it won't even be acknowledged until after a month anyways but it's fine.

Nah eligibility review hasn't started just yet.

olokings:
Yes indeed.
I will recommend sending an updated SOA using LOE, moreso that the fixed deposit lifecycle have elapsed hence, the funds have been liquidated into your account. Leverage this opportunity to do a case reminder to IRCC Nairobi office.

Use the LOE to clarify the situation, remind them on the fixed deposit funds now fully accessible by you, then point them to the need for you have a case status update to enable you progress & finanlise preparation for study resumption. (use the situation to your full benefit.) continually transmit the updated SOA via WEBFORM & EMAIL each to NAIROBI, LAGOS, ABUJA, LONDOND, ACCRA, GHANZHOU once a day twice a week, for three weeks then stop. winks.

good luck meehn.

Ok ok, this makes sense. I'd do just that, thanks!

Thomsyne:


Ok ok, this makes sense. I'd do just that, thanks!

Yeah, I also think that's a great suggestion from Olokings. Good luck!

Honeysweetest:
congratulations bro, I really picked something from your story, though I don't intend to switch,but I will check out your school.
May the land favor you.

Amin. I’m glad it was helpful

I’m a female tho�

Yes, I did.

Uchenation:


Did you self sponsor your application?

Printed bank statements from applicants are sent to the bank for confirmation of its genuineness unlike MBS let alone when you use adobe on it to "doctor" it.

olokings:
you see, i may be wrong, but you are not supposed to touch a financial bank statement mostly when you tendering same as evidence. You can quote / reference page, line, etc and give clarification. However, i think using adobe to highlight, comment, or affixt notes in the financial statements invalidates it eligibility. that is walking a super thin line if you ask me. I may be going overboard. But come to think of it, if you can highlight financial statements with adobe app, who says you haven't changed figures there in? The VO may not totally red flag it, but you are causing your submissions to be subjected to more scrutiny and validity checks, which you don't need.

I think that is the reason why MBS are directly transmitted to the embassies. The VOs are trained to review and analyse bank statements, hence simply referencing it in your SOP or LOE is enough to guide them to the transaction you are trying to clarify without altering the financial documents.

Joedave25:
Printed bank statements from applicants are sent to the bank for confirmation of its genuineness unlike MBS let alone when you use adobe on it to "doctor" it.

Yeah, that too. But do you know whether IRCC sends the bank statement to the bank for confirmation or whether IRCC requests the bank to send the latest bank statement or both?

Hi all,

I'm an prospective undergraduate student to a school in Canada.

I graduated from secondary school this year.

I have gotten my admission letter for winter 2023 to the glory of God.

I know it's a bit late to start applying for a study permit, but how long does it usually take? I plan on applying online.

What documents do I need for seamless application process and what are the steps I have to go through after applying?

Like, a timeline of events that happen after applying.

I have been reading this thread for some time now, and the majority of timelines and requirements I see are those of people going for postgraduate courses.

To be very honest, I am scared that I won't get it on time, even though my parents are telling me to relax.

Anyways, any feedback is appreciated.

Thank you in advance

bepositive11:
Highlight is not the same as altered. Altered means changing the figures.

As long as you highlighted without changing anything else, you have nothing to worry about.

@thomsyne

Yea highlight is not altered but highlighting official document like bank statement is not right , You can quote a date of a transaction and description without highlighting hopefully this doesn't ring a wrong bell but next time its not advicable to tamper with official documents

bepositive11:


Yeah, that too. But do you know whether IRCC sends the bank statement to the bank for confirmation or whether IRCC requests the bank to send the latest bank statement or both?

What IRCC does is to request for confirmation from a bank , the bank will not tell IRCC the current balance because its against the ethics of confidentiality however if the bank spots a doctored bal they will raise a red flag , but if as at the date of submission the bank bal is authentic the bank will acknowledge the authenticity of the statement as having come from the bank that why you have date and description to every transaction

Congratulations

Joedave25:
Friends and family..........MY PPR HAS LANDED THIS MORNING OOOOOOOOOOOOOO!!!!!!!!!

I'M COMING WITH MY TIMELINE SOON.

Please house i was denied on Monday, how can i order for a GCMS note?

Thank you so much.

This is very helpful.

olokings:
Please find attached SOP for MAIN APPLICANT

https://docs.google.com/document/d/1zScFUiOhe0ZbBj-62RM7aiQMdMr0o9ic/edit?usp=sharing&ouid=117163024576214716599&rtpof=true&sd=true


All attached files can be downloaded when you click this link to the zipped files
https://drive.google.com/file/d/15RNAD2-VggSIGfcYAe6KPKN_MKnLtgzW/view?usp=sharing...

https://drive.google.com/file/d/15RNAD2-VggSIGfcYAe6KPKN_MKnLtgzW/view?usp=sharing

I don't think you understood. I'm saying to show more than enough funds for the months to live in Canada as well as the tuition (after the scholarship is factored in). Then, the co-op money could be factored in as an extra, not necessary for life

He seems to be suggesting altering bank statement to show a lot of money, much more than is necessary. Based on the particular case, he has a scholarship, his actual tuition fees are relatively low. The main thing is to show enough funds for living expenses while simultaneously explaining that in fact, he has started studies online.

People have also been refused when they had large POFs but could not prove the source or the reason they were leaving Nigeria despite all that money.

bepositive11:
With all due respect, I don't think it's a good idea. 99% of the rejections we've seen thus far are because of insufficient assets and financial situation. If he does what you recommend, he'll get rejected for sure because he's admitting that he's assets are insufficient.

They don't even care about whether he's already studying online. Some people have even finished their course online but still didn't get their study permit.

IRCC may be lenient on applicants from other countries, but definitely not when it comes to Nigerians.

I haven't heard this before but it makes logical sense tbh.

olokings:
you see, i may be wrong, but you are not supposed to touch a financial bank statement mostly when you tendering same as evidence. You can quote / reference page, line, etc and give clarification. However, i think using adobe to highlight, comment, or affixt notes in the financial statements invalidates it eligibility. that is walking a super thin line if you ask me. I may be going overboard. But come to think of it, if you can highlight financial statements with adobe app, who says you haven't changed figures there in? The VO may not totally red flag it, but you are causing your submissions to be subjected to more scrutiny and validity checks, which you don't need.

I think that is the reason why MBS are directly transmitted to the embassies. The VOs are trained to review and analyse bank statements, hence simply referencing it in your SOP or LOE is enough to guide them to the transaction you are trying to clarify without altering the financial documents.

Nazkid1:
Please house i was denied on Monday, how can i order for a GCMS note?

Please someone should reply me, I’m really in need of this note

noeloge82:

@thomsyne

Yea highlight is not altered but highlighting official document like bank statement is not right , You can quote a date of a transaction and description without highlighting hopefully this doesn't ring a wrong bell but next time its not advicable to tamper with official documents

Absolutely had no idea, thanks for the input regardless. Hoping this doesn’t cause any issues.

olokings:
Someone has to tell you the #uglytruth.

You see these west worlds, they have a way of establishing requirements in their immigration systems to attract and allow certain type of profile to pass through the channel and come into their country.

You want to fake financial statements, your agent have advised you against it that it is fraud, you are still asking how you can circumvent it! How do you hope to succeed there if by any miracle you pass throuth and arrive there? Scaling the routine needs for survival won't last long like in Nigeria here where systems dont work.

You have to go back, reevaluate your plans. If you dont have at least N5m or your own, and/or cant get someone to commit N10m towards your dream, plus a significant scholarship sponsor, my guy, dont even bother going to submit any application because you will be tarnishing any future hope you had with this action.

You do not meet the basic eligibility requirements, let me put it plain to you. Forget this admission for now, go back and work on your profile, re-plan and find a way to improve your financial standing before your go back to IRCC.

This japa journey of today isn't for the downtrodden of Naija as earlier though. It is actually for those who were able to create opportunities out of the already basterdised system, hence if they move over to where systems works, they will excel super.

My brother, just take a step back and think creatively how you can package yourself to present an eligible profile before making any further atempts.

No prejudice, just felt i should tell you the #uglytruth.

ciao

Thanks for your advice duly noted.

There’s something we must understand. If I ask a question it doesn’t mean I already went ahead to do what I’m asking, most definitely doing so for clarity and making assurances double sure.
Now let me say this, I grew up in a Country where that is very common till this moment regardless of the country, so I had to be sûre if that’s the case with Nigeria as Nigeria has a lot of red flags when it comes to Japa journey.
Now If you noticed I asked 3 questions
Weather or not MBS is better than SOA because I saw someone talking about it earlier up the thread.

Secondly I also said I was building my SOA reason why I asked for vouchers for Naira digital I don’t know if you didn’t see it. I’m not leaving any stone unturned.
If you further check my post you will see me asking for POF company of something better than the 3.5% I found.
I’m not out here to trying to appear rich to someone of people, I’m the one wearing my shoes and know wear it hurts me. Many people will come out here sounding all rich and stable I’m not in that category. If I get I get if I no get I go get I no dey form levels.
No hard feelings still. Thanks

@bepositive read this.

cooooooks:
IRCC gets roughly $100 million a year from govt. This is in addition to ALL the monies generated from all the different application and penalty (if you apply late while in Canada) fees. If you use a fake/modified/altered account statement, they will catch you.

The funds you need are under $10,000 or max $15,000. You already have a scholarship and have started studies online. This shows that education is more important, not moving to Canada. This will also reduce the amount of months you need to prove

You have NOT yet submitted an application. Your application is mostly for the Co-op work permit. You may include co-op earnings (perhaps using 20% higher than min wage as a min reference).

- You need to submit NOW
- Explain that since you have started studies online, months in Nigeria should not be counted towards your $1,000 monthly need.
- Have enough funds to cover: fees that have not yet been paid, 18 to 24 months of living expenses, explain that your co-op will afford you the opportunity to work for X number of weeks (as specified in your admission letter); explain that this should also be considered a source of funds (using 1.2 x min wage x X weeks).
- Go straight with Canada, not the corners my bro.

Look at this site for quick info on co-op: https://www.canada.ca/en/immigration-refugees-citizenship/services/study-canada/work/intern.html

Thank you my Boss always appreciate your efforts God bless you. Then I’ll have to start building the POF now too right? The company I for to is charging 3.5% interest while Naija digital (I found their here on NL) @3-3.2 that’s why I was asking if someone has successfully worked with them for me to know if I can go ahead or not.
Please we need to talk again check I sent you a mail.

bepositive11:


Please, don't make things worse for us. We've noticed a trend of refusals due to insufficient financial assets even when there's more than enough funds. If you should submit an altered account statement, you'll only make IRCC put us Nigerians under even more scrutiny.

And not only will you be banned from Canada, they will inform US, UK, Australia, and New Zealand about your fraud, and all those countries will likely refuse your future visa applications too.

I can't understand why you would even consider doing such a thing. Why not work for some time and save up, then apply when you have enough?

IRCC has these financial checks in place for our own benefit. If you don't have enough money to sustain yourself, how can you survive in Canada? You'll be driven to work illegally, which will only make matters worse for everyone.

Please, don't do it. IRCC will definitely check with your bank and you will get caught.

Thanks for your response.
I haven’t done it.
I quoted you on my response to @Olokings read it , to further understand me thanks.