Canadian Student Visa Thread Part 23 - Travel (763)

Canadian Student Visa Thread Part 23 - Travel (763) - Nairaland

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Re: Canadian Student Visa Thread Part 23 by Mavor: 9:44am On Aug 02

ColdHunter:
My application has been denied and it's around the assurance availability of funds, though the funds are in my spouses account which we are both signatories to. And I also paid full 1yr tuition. Available POF is around 115m.

Long story short, I want to defer to January and do GIC to show VO that funds are readily available.

Would this help?

The GIC is a good move but it only fixes half the problem. Your refusal was about availability AND source. Reapply with: (1) GIC funded, (2) full tuition receipt, (3) marriage certificate + notarized spousal support letter, (4) your spouse's income evidence proving the ₦115m matches their earnings, (5) 6–12 months bank statements showing the money's history, and (6) an LOE that directly addresses the refusal reason and explains the funds flow step by step. Get your GCMS notes first so you know the officer's exact concern before reapplying — reapplying blind to the same objection usually gets the same result.

3 Likes

Re: Canadian Student Visa Thread Part 23 by ColdHunter(f): 10:33am On Aug 02

Mavor:
The GIC is a good move but it only fixes half the problem. Your refusal was about availability AND source. Reapply with: (1) GIC funded, (2) full tuition receipt, (3) marriage certificate + notarized spousal support letter, (4) your spouse's income evidence proving the ₦115m matches their earnings, (5) 6–12 months bank statements showing the money's history, and (6) an LOE that directly addresses the refusal reason and explains the funds flow step by step. Get your GCMS notes first so you know the officer's exact concern before reapplying — reapplying blind to the same objection usually gets the same result.

Thank you sir.

Would my spouse transferring all funds to my account help? If yes, does it have to sit in my account for 6months to make iy useful?

I want to reapply against tye January semester by september.

Re: Canadian Student Visa Thread Part 23 by dsureguy: 10:45am On Aug 02

We understand the ask

amnotapervert:
what did I do to you ...........all I asked was how much ?

Re: Canadian Student Visa Thread Part 23 by Mavor: 10:50am On Aug 02

ColdHunter:
Thank you sir.

Would my spouse transferring all funds to my account help? If yes, does it have to sit in my account for 6months to make iy useful?

I want to reapply against tye January semester by september.

Transferring the funds can help, but documentation is the real fix — not the transfer. There's no official 6-month rule; the officer just needs to trace where the money came from and see it's genuinely yours to use.

If your spouse transfers it, package it properly or you'll recreate the same refusal (a big unexplained deposit). Include: (1) notarized deed of gift or spousal support declaration, (2) marriage certificate, (3) your spouse's proof of income showing the ₦115m matches their earnings, (4) statements from both accounts showing the money's history before and after the transfer, and (5) an LOE walking the officer through the funds flow and directly addressing your refusal reason.

But first: order your GCMS notes today — they take 4–6 weeks and reveal the officer's exact concern, which may not be funds alone. September for January is realistic only if the GCMS request goes in now. A GIC on top helps, but the source documentation is what wins the reapplication.

4 Likes

Re: Canadian Student Visa Thread Part 23 by dsureguy: 10:54am On Aug 02

How long it sits in your account doesn't really matter like how the money was made...

ColdHunter:
Thank you sir.

Would my spouse transferring all funds to my account help? If yes, does it have to sit in my account for 6months to make iy useful?

I want to reapply against tye January semester by september.

1 Like

Re: Canadian Student Visa Thread Part 23 by emmydave: 1:14pm On Aug 02

ColdHunter:
My application has been denied and it's around the assurance availability of funds, though the funds are in my spouses account which we are both signatories to. And I also paid full 1yr tuition. Available POF is around 115m.

Long story short, I want to defer to January and do GIC to show VO that funds are readily available.

Would this help?

Firstly, I believe the rejection letter came with an Officers Decision note (ODN) this should have stated the exact reason for the denial — not just a generic reason e.g Financials. You can use the ODN note to sort out the next application. However if it's not detailed enough, you could request the GCMS note before reapplying.

Secondly. Was your spouse a dependant in your application?.

Also, ensure your LOE captures the financials very thoroughly during the next submission. I believe it'll be positive next time.

Just to ask, did you get request for medicals before rejection? Or you did upfront medicals?

Re: Canadian Student Visa Thread Part 23 by ColdHunter(f): 2:46pm On Aug 02

emmydave:
Firstly, I believe the rejection letter came with an Officers Decision note (ODN) this should have stated the exact reason for the denial — not just a generic reason e.g Financials. You can use the ODN note to sort out the next application. However if it's not detailed enough, you could request the GCMS note before reapplying.

Secondly. Was your spouse a dependant in your application?.

Also, ensure your LOE captures the financials very thoroughly during the next submission. I believe it'll be positive next time.

Just to ask, did you get request for medicals before rejection? Or you did upfront medicals?

I did upfront. But that's after submission. Did the medical on Thursday.

I have attached a copy of the ODN.

To be clear, I submitted our company MERMAT, STATUS and CAC Registration. Also Bank statement of our joint owned company, this was just to show the source of th3 funds in my spouses account, not to show material POF.

1 yr tuition of 16kCAD was paid from the company account, admittedly the Bank statement was already generated before the tuition was paid and this wasn't done with any ill intention. We produced a notarized company document instructing the tuition payment and a board resolution too.

Then, also my spouses bank statements showing 58m and 34kUSD. No lump deposit and it was for 6months. While my spouses salary in his paid job isn't high, our main funds come from the business, we only used payslip to show sometime, not because we depend on said salary.

Our business is a consultancy business and we shared necessary documents.

Also, documents of two undeveloped lands one of which is to be used to setup a facility along the lines of my program after graduation.

I'm just confused

Re: Canadian Student Visa Thread Part 23 by KhennieGee: 3:36pm On Aug 02

Hi, I'm a serving NYSC corps member passing out this month. I have gained admission for an MSc at UBC and I'm trying to gather documents to apply for my study permit. Note that I got a late admission and I have a start date of September 1, however, I found out that NYSC certificate is required by the IRCC. Can I upload my call-up letter and ID card as evidence or wait till I get the certificate to submit my application?

Re: Canadian Student Visa Thread Part 23 by Mavor: 3:44pm On Aug 02

ColdHunter:
I did upfront. But that's after submission. Did the medical on Thursday.

I have attached a copy of the ODN.

To be clear, I submitted our company MERMAT, STATUS and CAC Registration. Also Bank statement of our joint owned company, this was just to show the source of th3 funds in my spouses account, not to show material POF.

1 yr tuition of 16kCAD was paid from the company account, admittedly the Bank statement was already generated before the tuition was paid and this wasn't done with any ill intention. We produced a notarized company document instructing the tuition payment and a board resolution too.

Then, also my spouses bank statements showing 58m and 34kUSD. No lump deposit and it was for 6months. While my spouses salary in his paid job isn't high, our main funds come from the business, we only used payslip to show sometime, not because we depend on said salary.

Our business is a consultancy business and we shared necessary documents.

Also, documents of two undeveloped lands one of which is to be used to setup a facility along the lines of my program after graduation.

I'm just confused

You are not listening and we are trying to help. You need to show a clear trail of how the consultancy business arrived at all the funds in the business account. Every 3rd party invoice and receipt from all my customers showing a very clear trail of how the funds were accumulated over time. It is not about having the money in your account, there needs to be a clear trail that will make the visa officer satisfied that the money is yours and when you get to Canada, you have access to it anytime. They dont want people to come and overburden their social welfare system there which is reserved for citizens primarily.

1 Like

Re: Canadian Student Visa Thread Part 23 by Mavor: 3:47pm On Aug 02

KhennieGee:
Hi, I'm a serving NYSC corps member passing out this month. I have gained admission for an MSc at UBC and I'm trying to gather documents to apply for my study permit. Note that I got a late admission and I have a start date of September 1, however, I found out that NYSC certificate is required by the IRCC. Can I upload my call-up letter and ID card as evidence or wait till I get the certificate to submit my application?

Why not finish NYSC first in some months? If classes start in early Sept and you want to apply now, you are unlikely to meet up because the timeframe is too tight. Best you defer to Winter or Fall next year but it is up to you.

3 Likes

Re: Canadian Student Visa Thread Part 23 by ColdHunter(f): 3:51pm On Aug 02

Mavor:
You are not listening and we are trying to help. You need to show a clear trail of how the consultancy business arrived at all the funds in the business account. Every 3rd party invoice and receipt from all my customers showing a very clear trail of how the funds were accumulated over time. It is not about having the money in your account, there needs to be a clear trail that will make the visa officer satisfied that the money is yours and when you get to Canada, you have access to it anytime. They dont want people to come and overburden their social welfare system there which is reserved for citizens primarily.

Thank you. I'm just frustrated.

Re: Canadian Student Visa Thread Part 23 by Mavor: 3:52pm On Aug 02

ColdHunter:
I did upfront. But that's after submission. Did the medical on Thursday.

I have attached a copy of the ODN.

To be clear, I submitted our company MERMAT, STATUS and CAC Registration. Also Bank statement of our joint owned company, this was just to show the source of th3 funds in my spouses account, not to show material POF.

1 yr tuition of 16kCAD was paid from the company account, admittedly the Bank statement was already generated before the tuition was paid and this wasn't done with any ill intention. We produced a notarized company document instructing the tuition payment and a board resolution too.

Then, also my spouses bank statements showing 58m and 34kUSD. No lump deposit and it was for 6months. While my spouses salary in his paid job isn't high, our main funds come from the business, we only used payslip to show sometime, not because we depend on said salary.

Our business is a consultancy business and we shared necessary documents.

Also, documents of two undeveloped lands one of which is to be used to setup a facility along the lines of my program after graduation.

I'm just confused

Your GCMS notes show four specific objections — your reapplication must answer each one directly:

1. Untraceable tuition payment — easiest fix. Your receipts were dated AFTER your bank statements ended, so the officer couldn't see the money leave your account. Reapply with statements that run past the payment dates, showing the debit that matches each receipt exactly.

2. Company viability — the corporate account showed low balances and no proof the business earns real money. Include: audited/management accounts or a professional income statement, CAC documents, tax filings (or CIT/PIT evidence), contracts or invoices, and 12 months of corporate statements. If the business genuinely runs lean, an accountant's letter explaining cash flow helps.

3. Provenance of the savings spike — the officer saw money appear without a documented source. Every major deposit needs a paper trail: where it came from, evidence of that source, and an LOE table walking through each inflow. Do NOT just move money between accounts — that deepens the problem.

4. Income vs. plan — documented income of ~$225/month cannot carry a family's living costs, so the officer doubted both funds and your intent to leave. Fix by showing total household resources honestly: GIC in YOUR name, prepaid tuition traced end-to-end, all genuine income streams documented. If your spouse and dependents are accompanying, reconsider whether they should — a solo first application with family joining later is dramatically stronger on these facts.

Structure the new LOE around the refusal itself: quote each concern, answer it with labeled exhibits. And strongly consider engaging a licensed RCIC agent this time — this file now has a refusal history plus a credibility gap, and a professional submission is worth far more than the fee.

Bitter truth - Don't reapply until ALL four are genuinely fixable on paper. A second refusal on the same grounds makes the third application much harder.

Re: Canadian Student Visa Thread Part 23 by KhennieGee: 4:11pm On Aug 02

My supervisor require a start date of September 1.

Mavor:
Why not finish NYSC first in some months? If classes start in early Sept and you want to apply now, you are unlikely to meet up because the timeframe is too tight. Best you defer to Winter or Fall next year but it is up to you.

Re: Canadian Student Visa Thread Part 23 by Mavor: 4:16pm On Aug 02

KhennieGee:
My supervisor require a start date of September 1.

You may need to engage your supervisor about defering.

1 Like

Re: Canadian Student Visa Thread Part 23 by KhennieGee: 4:42pm On Aug 02

Alright. Thank you.

Mavor:
You may need to engage your supervisor about defering.

Re: Canadian Student Visa Thread Part 23 by amnotapervert(m): 4:58pm On Aug 02

KhennieGee:
Hi, I'm a serving NYSC corps member passing out this month. I have gained admission for an MSc at UBC and I'm trying to gather documents to apply for my study permit. Note that I got a late admission and I have a start date of September 1, however, I found out that NYSC certificate is required by the IRCC. Can I upload my call-up letter and ID card as evidence or wait till I get the certificate to submit my application?

IMO finish your NYSC first no need to rush

NYSC is not required by IRCC unless you want to prove what you have been doing since graduating from school.

If your program starts in September, you should defer your admission to January. There isn't enough time for IRCC to process your application before August ends.

Re: Canadian Student Visa Thread Part 23 by Amovingman(f): 5:07pm On Aug 02

amnotapervert:
IMO finish your NYSC first no need to rush

NYSC is not required by IRCC unless you want to prove what you have been doing since graduating from school.

If your program starts in September, you should defer your admission to January. There isn't enough time for IRCC to process your application before August ends.

see the guy way Dey ikorodu Dey claim Canada 🇨🇦

Re: Canadian Student Visa Thread Part 23 by Mavor: 5:43pm On Aug 02

KhennieGee:
Alright. Thank you.

Best of luck to you.

Re: Canadian Student Visa Thread Part 23 by amnotapervert(m): 6:02pm On Aug 02

Amovingman:
see the guy way Dey ikorodu Dey claim Canada 🇨🇦

Hahaha, here you go again with your rubbish.

First, you called me an agent. Then you called me a scammer. Now you're saying I don't even live in Canada. At this rate, what's next?

I am not the cause of your problems. Less than 24 hours after opening your account in June 2026, you started attacking me for reasons I still don't understand.

The funny thing is, I have nothing to prove to you. Since 2017, I have documented my journey, including when I got my Canadian student visa in June 2017... now a canadian citizen...

My question is: when are you going to provide evidence for all these claims you are making?

Wait, I remember you said you were going to expose me last month.....

So, when exactly are you going to expose me?

3 Likes 1 Share

Re: Canadian Student Visa Thread Part 23 by amnotapervert(m): 6:23pm On Aug 02

ColdHunter:
I did upfront. But that's after submission. Did the medical on Thursday.

I have attached a copy of the ODN.

To be clear, I submitted our company MERMAT, STATUS and CAC Registration. Also Bank statement of our joint owned company, this was just to show the source of th3 funds in my spouses account, not to show material POF.

1 yr tuition of 16kCAD was paid from the company account, admittedly the Bank statement was already generated before the tuition was paid and this wasn't done with any ill intention. We produced a notarized company document instructing the tuition payment and a board resolution too.

Then, also my spouses bank statements showing 58m and 34kUSD. No lump deposit and it was for 6months. While my spouses salary in his paid job isn't high, our main funds come from the business, we only used payslip to show sometime, not because we depend on said salary.

Our business is a consultancy business and we shared necessary documents.

Also, documents of two undeveloped lands one of which is to be used to setup a facility along the lines of my program after graduation.

I'm just confused

so sorry for how you feel

Please dont be hard on yourself IRCC can be running Mad sometimes

Mavor has said exactly what I wanted to say. It's not about the amount of money; it's about the source of the funds and being able to prove where the money came from.

Re: Canadian Student Visa Thread Part 23 by Amovingman(f): 6:59pm On Aug 02

amnotapervert:
Hahaha, here you go again with your rubbish.

First, you called me an agent. Then you called me a scammer. Now you're saying I don't even live in Canada. At this rate, what's next?

I am not the cause of your problems. Less than 24 hours after opening your account in June 2026, you started attacking me for reasons I still don't understand.

The funny thing is, I have nothing to prove to you. Since 2017, I have documented my journey, including when I got my Canadian student visa in June 2017... now a canadian citizen...

My question is: when are you going to provide evidence for all these claims you are making?

Wait, I remember you said you were going to expose me last month.....

So, when exactly are you going to expose me?

snap picture of you in Canada 🇨🇦

If not you’re fake

So many people’s who live at Canada have take pictures and post it on this thread to prove that they’re legit

Look like mayorall everybody know he’s in Canada 🇨🇦

Re: Canadian Student Visa Thread Part 23 by amnotapervert(m): 7:09pm On Aug 02

Amovingman:
snap picture of you in Canada 🇨🇦

If not you’re fake

So many people’s who live at Canada have take pictures and post it on this thread to prove that they’re legit

Look like mayorall everybody know he’s in Canada 🇨🇦

Pic of me In Canada😂😂😂😂😂😂😂😂😂

so a picture will prove I am in canada ?

Hahaha! I'm asking again: when are you going to expose me?

Please, I beg you go ahead and expose me. I am still waiting for you to reveal all the things you claim to know about me. 😂

Re: Canadian Student Visa Thread Part 23 by funkyy598: 7:14pm On Aug 02

ColdHunter:
I did upfront. But that's after submission. Did the medical on Thursday.

I have attached a copy of the ODN.

To be clear, I submitted our company MERMAT, STATUS and CAC Registration. Also Bank statement of our joint owned company, this was just to show the source of th3 funds in my spouses account, not to show material POF.

1 yr tuition of 16kCAD was paid from the company account, admittedly the Bank statement was already generated before the tuition was paid and this wasn't done with any ill intention. We produced a notarized company document instructing the tuition payment and a board resolution too.

Then, also my spouses bank statements showing 58m and 34kUSD. No lump deposit and it was for 6months. While my spouses salary in his paid job isn't high, our main funds come from the business, we only used payslip to show sometime, not because we depend on said salary.

Our business is a consultancy business and we shared necessary documents.

Also, documents of two undeveloped lands one of which is to be used to setup a facility along the lines of my program after graduation.

I'm just confused

Based on everything you listed, the refusal note still appears reasonable. The officer did not say that your company was unregistered or that you failed to submit CAC, MEMART, company status documents, board resolutions or land documents. The main concern was that the evidence did not clearly demonstrate that the business generated the substantial funds shown in your spouse’s personal accounts.

Company registration documents only establish that the business legally exists. They do not prove its revenue, profitability or financial capacity. The officer specifically observed that the company account routinely maintained low balances while your spouse’s personal savings increased significantly. This created an obvious gap: how did a business with consistently low account balances generate ₦58 million and US$34,000 in personal savings?

The fact that there was no single lump-sum deposit and that the money remained in the accounts for six months does not automatically establish its source. The funds must be connected to genuine consultancy income through client contracts, invoices, corporate tax returns, audited financial statements, evidence of completed projects, payment receipts and matching bank transactions.

The tuition payment was also not properly traceable from the documents submitted. The company bank statement ended before the tuition payment was made, so the officer could not connect the school receipt to the company’s financial records. A board resolution and notarized payment instruction only show authorization; they do not prove that the money actually left the company account. An updated statement showing the debit, the transfer confirmation and the corresponding school receipt should have been included.

The undeveloped land may demonstrate assets and future plans, but it is not liquid money immediately available for tuition, living expenses and travel. Likewise, completing a medical examination does not resolve concerns about financial capacity.

A GIC may help demonstrate that some money is readily available in Canada, but it does not explain where the money originally came from. Transferring all the funds into your own account and allowing them to remain there for six months will not correct the problem unless the complete source and transaction trail are properly documented.

Based on the evidence currently described, the officer’s concern was valid. Canada has seen cases of international students arriving without enough reliable funding and later struggling to pay tuition, rent and basic living expenses, sometimes relying on food banks, fundraising or community assistance. That is precisely why officers now examine the source, availability and sustainability of funds more carefully.

The application should therefore not be resubmitted with only a GIC and the same explanation. Every refusal concern must be addressed directly with credible documentary evidence. Otherwise, the officer may again conclude that the funds are borrowed, temporarily arranged, insufficiently traced or not genuinely available. The issue is not simply the amount displayed in the account; it is whether the money was legitimately earned, clearly traceable, unencumbered and sufficient to support the applicant and accompanying family throughout their stay.

1 Like

Re: Canadian Student Visa Thread Part 23 by Chigbo55: 7:52pm On Aug 02

How much is flight ticket from Lagos to Toronto? To and from

Re: Canadian Student Visa Thread Part 23 by Amovingman(f): 7:58pm On Aug 02

amnotapervert:
Pic of me In Canada😂😂😂😂😂😂😂😂😂

so a picture will prove I am in canada ?

Hahaha! I'm asking again: when are you going to expose me?

Please, I beg you go ahead and expose me. I am still waiting for you to reveal all the things you claim to know about me. 😂

https://www.nairaland.com/8717603/stephen-ayantoye-notorious-impersonator-scammer

Is that not your real picture

Re: Canadian Student Visa Thread Part 23 by Mavor: 8:00pm On Aug 02

Chigbo55:
How much is flight ticket from Lagos to Toronto? To and from

Start here - https://www.google.com/travel/flights?hl=en&curr=USD&tfs=CAEQAhooEgoyMDI2LTA4LTE3agwIAhIIL20vMGxuZnlyDAgCEggvbS8waDdoNhooEgoyMDI2LTA4LTMwagwIAhIIL20vMGg3aDZyDAgCEggvbS8wbG5meXpoQ2pSSVVEVTFObVI1WjNCUGRXOUJUWGhoVDNkQ1J5MHRMUzB0TFMwdExTMTVhWE4wT0VGQlFVRkJSM0IyYXpkclEzbGtUa05CRWdKaktob0xDSWpqQlJBQ0dnTlZVMFE0TUhDSTR3VT0%3D

Re: Canadian Student Visa Thread Part 23 by EchegAshley1: 8:22pm On Aug 02

KhennieGee:
Hi, I'm a serving NYSC corps member passing out this month. I have gained admission for an MSc at UBC and I'm trying to gather documents to apply for my study permit. Note that I got a late admission and I have a start date of September 1, however, I found out that NYSC certificate is required by the IRCC. Can I upload my call-up letter and ID card as evidence or wait till I get the certificate to submit my application?

I don’t think you need your nysc certificate, I got my study permit without it and I’m finishing nysc this month as well

Re: Canadian Student Visa Thread Part 23 by Kaczynski: 8:35pm On Aug 02

amnotapervert:
Pic of me In Canada😂😂😂😂😂😂😂😂😂

so a picture will prove I am in canada ?

Hahaha! I'm asking again: when are you going to expose me?

Please, I beg you go ahead and expose me. I am still waiting for you to reveal all the things you claim to know about me. 😂

Is that you emeka??

2 Likes 1 Share

Re: Canadian Student Visa Thread Part 23 by Kaczynski: 8:36pm On Aug 02

Amovingman:
snap picture of you in Canada 🇨🇦

If not you’re fake

So many people’s who live at Canada have take pictures and post it on this thread to prove that they’re legit

Look like mayorall everybody know he’s in Canada 🇨🇦

Re: Canadian Student Visa Thread Part 23 by ATTAHDYE(m): 8:48pm On Aug 02

Sorry about the denial and I hope you will get a better outcome next time.

Yes, I believe a GIC will help clear the VO's doubt about access to funds.

All the best.

ColdHunter:
My application has been denied and it's around the assurance availability of funds, though the funds are in my spouses account which we are both signatories to. And I also paid full 1yr tuition. Available POF is around 115m.

Long story short, I want to defer to January and do GIC to show VO that funds are readily available.

Would this help?

Re: Canadian Student Visa Thread Part 23 by amnotapervert(m): 9:21pm On Aug 02

Kaczynski:
Is that you emeka??

Emeka hahahah you people keep giving me names my parents never gave me

that background isnt even Canada its Belarus or Hungary

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