I submitted a 3 months bank statement instead of a 4 months bank statement as stated on their site. Although the accounts are well funded, I am hugely worried wether it will be a problem. Also, I have did upfront medicals, and I am very worried because I think it would have been much better if I had waited for the medical request mail. I just hope everything goes fine. I am really nervous about my application!

Phocusjosh:
Just an advise, In my view, an "insufficient funds" denial is one of the easiest to get out of, so long as you are able to verifiably show funds in your name beforehand. Pay one year tuition and show $10k in dom account in your name, which you have effectively done.

It is also indeed possible to get denied for other reasons even if the first denial was just for "insufficient funds". I know it sounds contradictory to the previous paragraph but let me explain how I think you can avoid this (as long as your next application is of same or better quality as the previous). Edited: Disclaimer: this is not a guarantee o, as I am obviously not a VO.

Ok here's what to do: Write a separate "Letter of Clarification" stating the reasons why you were denied last time (list it as bullet points so it is easy for the VO to read in case s/he isn't paying attention) and what you have done to fix it (write this in another set of bullet points showing each step of what you've done).

See the next post for an example format (modify it to your needs but I don't suggest you copy it exactly)

In doing the above, the VO is likely to not treat your application as a fresh application, but as an application that has already passed CIC rigour and only wasn't approved because of finances. Keep the letter in a very visible place in your application, if you submit on paper put it on the page right after your CIC forms, or right before your SOP. If online, put as the first page in the LOE section, and maybe even another copy as first page in Finances section. You want the VO to see it before over-analyzing your app all over again

Dear visa officer:
The purpose of this letter is to demonstrate how I have addressed your concerns about my previous study visa application. My previous application (UCI # xyxxyxyxyxyx, application date: dd/mm/yy) was refused for the following reasons:

x insufficient funds to pay for travel
x insufficient funds to pay tuition
x insufficient funds to pay living expenses

Here are the steps I have taken to address your concerns:

x paid $17k for one year tuition (see attached bank transfer receipt and university receipt)
x 10k bank draft deposited at Royal Bank of Canada,for accommodation and upkeep.(bank also issued letter), ensure you explain how you got this.
x first sponsor statement, worth $... (see attached )
x second sponsor statement, worth $...(see attached)
You can as well include your personal account.

My total annual expenses for my program cost $27,000, the total amount paid for my tuition and 10k bank draft deposited at Royal Bank of Canada, which is equivalent to $27,000. Please, endeavour to increase the funds available if possible in order to show you are financially capable.

My sponsor's up-front payment of my tuition as well 10k bank draft deposited at Royal Bank of Canada,for accommodation and upkeep demonstrate both my availability of funds and his commitment to sponsoring my Canada education. The total funds available for my stay, including paid tuition, living expenses funds in my dom account, my savings account, ... is $.... which is more than sufficient to cover...

I look forward to the opportunity to studying blah at University of blah, so that blah (i.e one final sentence to remind the VO about why you wanna study whatever you are going to study... only include this sentence if you have something concise and compelling to say.)

Thank you,
Mr. Ajanlekoko

cc: Thesoj

Pls I'd like to ask, what is this lump sum deposit about? If someone presents say 15m out of which 2.5m was a lump deposit which was made 3days before the application submission date, and then still presents a co-sponsor, mum, with letter stamped letter showing that applicant is her next of kin, who presents more than enough funds, in cash and assets to offset any funding deficits, whether or not the 2.5m deposit was made, is that considered a lump sum deposit?

@jnyuwa02 @vtoluwalope and the rest of the house pls am going for 4 years  bachelor degree pls did I need a study leave letter from the company I worked for cos someone told me that no company can leave my space empty for me to go for 4 weeks leave without no replacement

10shuare:
Pls house respond on this. Thanks

The ball is in your court, you have to look for a sponsor. The sponsor doesn't have to be related to you, if the sponsor isn't your mum, dad or sibling then they will have to show commitment by paying the money into your personal bank account or go further to pay your tuition fee, after that they will write a letter of support stating their reasons for sponsoring you

uyplus:


Pls I'd like to ask, what is this lump sum deposit about? If someone presents say 15m out of which 2.5m was a lump deposit which was made 3days before the application submission date, and then still presents a co-sponsor, mum, with letter stamped letter showing that applicant is her next of kin, who presents more than enough funds, in cash and assets to offset any funding deficits, whether or not the 2.5m deposit was made, is that considered a lump sum deposit?

Pls house answer this!

uyplus:
I submitted a 3 months bank statement instead of a 4 months bank statement as stated on their site. Although the accounts are well funded, I am hugely worried wether it will be a problem. Also, I have did upfront medicals, and I am very worried because I think it would have been much better if I had waited for the medical request mail. I just hope everything goes fine. I am really nervous about my application!

3 months soa isn't bad(though cic requested for 4-6months). As for the upfront medical you also don't have any problem as well, infact it will hasten the process for you

mcobex:
3 months soa isn't bad(though cic requested for 4-6months). As for the upfront medical you also don't have any problem as well, infact it will hasten the process for you

Thanks bro, although my SOA was 4months, my mum's was about 3mnths. But I am just worried about a 2.5m lodgement that was made in my account, few days to application submission. A client paid for a car into one of my accounts, although I have an account in tens of millions with no large cash lodgement, my other bank statement which I presented had a large cash lodgement. Even though my co-sponsor my mum has more than enough in cash and assets, and an official document showing that I am her next of kin, I am just worried about the VO thinking it was a fraudulent lump sum deposit. Do you have any idea whether it will be a problem or not?

uyplus:


Pls I'd like to ask, what is this lump sum deposit about? If someone presents say 15m out of which 2.5m was a lump deposit which was made 3days before the application submission date, and then still presents a co-sponsor, mum, with letter stamped letter showing that applicant is her next of kin, who presents more than enough funds, in cash and assets to offset any funding deficits, whether or not the 2.5m deposit was made, is that considered a lump sum deposit?

If let say the highest amount that has entered your account at a go is #500k/month then all of a sudden #10million entered towards your application date, that is lump sum. The only way to make it pass is for you to explain the source of the money. If the huge amount is from your sponsor, you and your sponsor should state it in your SOP and LETTER OF SUPPORT respectively.

mcobex:
If let say the highest amount that has entered your account at a go is #500k/month then all of a sudden #10million entered towards your application date, that is lump sum. The only way to make it pass is for you to explain the source of the money. If the huge amount is from your sponsor, you and your sponsor should state it in your SOP and LETTER OF SUPPORT respectively.

The account is very busy. Infact the statement was about 30pages. On the same soa, there is even a lump sum deposit if 2.4m in January.

Cherryola:
@jnyuwa02 @vtoluwalope and the rest of the house pls am going for 4 years  bachelor degree pls did I need a study leave letter from the company I worked for cos someone told me that no company can leave my space empty for me to go for 4 weeks leave without no replacement

I am not a guru oh....
But I don't think you need study leave letter since your program is 4 years. A well convincing SOP will do in this case...

uyplus:


The account is very busy. Infact the statement was about 30pages. On the same soa, there is even a lump sum deposit if 2.4m in January.

Once you can explain the source or reason for the lump sum deposit you will be fine. Also, make sure you have enough funds in your account for the duration of your program(especially if you are sponsoring yourself), but if you have a sponsor then the sponsor can provide funds for the first year of the program then showhis source of funds and how he/she hope to provide funds for your subsequent years(i.e if your course is more than a year)

mcobex:
Once you can explain the source or reason for the lump sum deposit you will be fine. Also, make sure you have enough funds in your account for the duration of your program(especially if you are sponsoring yourself), but if you have a sponsor then the sponsor can provide funds for the first year of the program then showhis source of funds and how he/she hope to provide funds for your subsequent years(i.e if your course is more than a year)

I am sponsoring some, while my co-sponsor, my mum stated on the letter that she will be providing funds for any deficit that arises as shown on her statement, pension statement, landed property etc. My SOA can comfortably take care of my tuition. I just had plenty of monies tied out and couldn't mop up my funds so I had to use my mum to stand in as a co-sponsor. It's a one year masters in public health with a tuition of C$55k.
Besides, I have already submitted my application o. Is it possible to still add documents like an LOE to an already submitted application?

uyplus:


I am sponsoring some, while my co-sponsor, my mum stated on the letter that she will be providing funds for any deficit that arises as shown on her statement, pension statement, landed property etc. My SOA can comfortably take care of my tuition. I just had plenty of monies tied out and couldn't mop up my funds so I had to use my mum to stand in as a co-sponsor. It's a one year masters in public health with a tuition of C$55k.
Besides, I have already submitted my application o. Is it possible to still add documents like an LOE to an already submitted application?

Ok, best of luck. Yes you can still add /send documents to cic after submission especially if you think they will increase your chances of getting approval. As for you LOE, its not a must as so many people have gotten approval even without submitting it. LOE is main for applicants who feel they have some explanation to do.

Cherryola:
@jnyuwa02 @vtoluwalope and the rest of the house pls am going for 4 years  bachelor degree pls did I need a study leave letter from the company I worked for cos someone told me that no company can leave my space empty for me to go for 4 weeks leave without no replacement

4 years Kay!!. Nobody will give you study leave for 4 years except your father is Buhari. If you presented one, the visa officers will be highly doubtful and and the credibility of such work would be highly impugned.

[quote author=Daacorpaapi post=67278601]Hello e-family
Applied for my SP 7th of dec and it was refused 29th Jan due to insufficient funds after ordering my gcms, I saw the reason as lump sum deposit.
So am preparing another application and I made the following changes

Paid sch fees for One year PGD/17k as my first application I paid 7k .
All cic forms
Letter of introduction from my workplace.
10k bank draft deposited at Royal Bank of Canada,for accommodation and upkeep.(bank also issued letter)
Sponsor statements and affidavit of support
2nd sponsor docs and statements (bro who got PR)
Landed docs
Upfront medicals
/police report.
LoE
SOP
School docs
New LOA for fall semetser

I believe it's God that gives visa,
Am re-applying online so please wise men what am I leaving behind... Edakun oga @frank, jnyuwa and others


Hello,
Please, I am lost here. How do you raise bank draft from Nigeria and deposited at Royal Bank of Canada for one year upkeep.
Is it a Nigerian bank that raised the draft?

Please share more light on this and how we can do it from Nigeria. I was denied on insufficient funds attributed to " recent lumb sum deposit" even when the money is mine.

I would not bother myself much if i were you. I mean, you submitted your application already, except you are willing to cancel the application.

But like you said, having an amount come into an account that has alot of money in it already should not be a problem. Except your work doesn't have anyway of making such at once. I don't see any major problem, if you had not submitted, maybe an explanation would have made it easier but you have.lol so we move!!!

You will be fine jare.

uyplus:


The account is very busy. Infact the statement was about 30pages. On the same soa, there is even a lump sum deposit if 2.4m in January.

jnyuwa02:


4 years Kay!!. Nobody will give you study leave for 4 years except your father is Buhari. If you presented one, the visa officers will be highly doubtful and and the credibility of such work would be highly impugned.

Please can 20months study leave scale through?

Goodday all,

Please hubby is applying for students visa, will it be difficult to join him when he gets it?

Also we are using 2 sponsors hope that won't be a problem..

Lastly, plz school resumes Sept but we are are yet to submit our visa application for some reason. We are working on submitting Mon/Tues next week. Please hope we are not running late..

Thanks for all response

harde116:
I would not bother myself much if i were you. I mean, you submitted your application already, except you are willing to cancel the application.

But like you said, having an amount come into an account that has alot of money in it already should not be a problem. Except your work doesn't have anyway of making such at once. I don't see any major problem, if you had not submitted, maybe an explanation would have made it easier but you have.lol so we move!!!

You will be fine jare.

Thank you. However, I'll like to inquire about wether pension account statements are also considered as a source of fund?

Is it accessible? Like can you convert it to physical cash as soon as you want it. I mean the essence of showing source of fund is to show how you intend to cover your expenses and you have access to the money. So if it is, I think it should count. But if it not, then it might not count.
I'm not an authority here, but i think these guys are logical too.

uyplus:


Thank you. However, I'll like to inquire about wether pension account statements are also considered as a source of fund?

I think he should apply alone, you can join him later. Especially for the fact that you are using two sponsors, If it was self sponsored, then better. Two sponsors is safe for one person.The question is "why exactly are you going with him now?" and which sponsor will sponsor two people when it's only one person that has to go to school.

Point is, you may even stand as a tie back home for your husband. With you applying at the same time, feels like you both may want to take off.LOL

vivicintia:
Goodday all,

Please hubby is applying for students visa, will it be difficult to join him when he gets it?

Also we are using 2 sponsors hope that won't be a problem..

Lastly, plz school resumes Sept but we are are yet to submit our visa application for some reason. We are working on submitting Mon/Tues next week. Please hope we are not running late..

Thanks for all response

Jewel80:


Please can 20months study leave scale through?

I don't know if it is necessary to mention anything about study leave. When I was applying I presented an introduction letter from my organization addressed to the embassy stating when I was employed, my current position and renumerations. Also I included 6 months payslips, 6 months bank statement where I get paid, my first offer letter and my latest promotion letter. At the time, I figured i didn't need to complicate my application saying anything about study leave.

You will shoot yourself in the foot. 20months leave for a 4yr program. Just ignore that part.

Focus on convincing them why you want to do a 4yr course and why they should believe you are coming home.

Jewel80:


Please can 20months study leave scale through?

Good evening friends! Pls anyone who recently gained admission into Master of applied science in Safety and Risk Engineering or currently studying the course at memorial university of Newfoundland?

Thanks!

I wish everyone a great weekend!

hy I would like to ask if the visa office would send an approval mail before ur passport would be dispatched

plz since April 5 after medical has been sent no news from them

Ilerioluwa123:
hy I would like to ask if the visa office would send an approval mail before ur passport would be dispatched

If you're applying via paper route, you would submit your passport alongside your application. For online, it would be requested when you've scaled through.

yh it was through paper route so is dere any mail I would receive for assurance of the visa before I collect it

Ilerioluwa123:
yh it was through paper route so is dere any mail I would receive for assurance of the visa before I collect it

I would advise you link your application to your cic profile. The email linked to the profile would be contacted if your attention is needed.

Hello everyone,
I am new here. Applying for a student visa and will be accompanied by my two daughters 5 and 9. My husband is my sponsor and hometie.
Tuition per year is 5000CAD and books 1,300CAD making 6,300CAD. Living expenses I understand is 10,000CAD for one person. Pls house
1. How much does my sponsor declare for the 3 of us.

Ilerioluwa123:
plz since April 5 after medical has been sent no news from them

How did you get the medical request? Or was your medicals submitted along with your paper application? If the medical was submitted with the paper application and not a request from CIC, then the best option to stay current about your application will be to link your application online.

You’ve answered yourself.
They told you to submit 4 months and you submitted 3 months. Later you will be saying “miracle” “miracle”

They gave you a clear instruction and you didn’t follow. I don’t know what you want us to say :|

uyplus:
I submitted a 3 months bank statement instead of a 4 months bank statement as stated on their site. Although the accounts are well funded, I am hugely worried wether it will be a problem. Also, I have did upfront medicals, and I am very worried because I think it would have been much better if I had waited for the medical request mail. I just hope everything goes fine. I am really nervous about my application!