₦airaland Forum

Topgags:
@showyoung. Pls how do I contact you. Would like to ask more questions on this. Or can I email you?

You emailed me twice and I responded twice.

Chiziteremary:
Hi Everyone,

Been aging. Having been on this thread. Please guys dont give up with your student visa pursuit. Canada is worth it. Dont listen to any negative vibes about Canada, Its so worth it

Nbv1:
Are you in canada and where are you and what’s your status? Stop advising people here if you don’t live in canada. I live here in Toronto with a full time job. This place is not for the poor. I insist, if you fail to plan before coming here you will suffer. The students here are going through a lot and also people with PR. Anyone coming here should come in with a lot of money. Jobs are not easy to get here as well. The bills are also much here. Recent data released in Vancouver this week shows residence in Vancouver spend half of their annual earnings on rent and utilities . Plan before Comin here please. It’s tough here and this is no joke. Those who are already established in nigeria , canada is not for them. The stupidly rich people are the only ones that enjoy living here.

I wouldn't have put my mouth in this if not for the purpose of people who may be willing to immigrate, study or work in Canada but haven't found a way.

@Nbv1
While I understand your perspective, kindly allow me to show you how you could have conveyed your message more constructively.

I think the first three lines of your post sounds uncomfortable.

Also, you are correct in saying people should travel to Canada with a lot of money.

@Chiziteremary
I understand your perspective too. You may want to omit "...don't listen to any negative..." Although it does not sound discomforting. It is a word of encouragement.

I do not judge anyone. Both of you are correct in your opinion.

My perspective.
While it may be expensive to live in some part of Canada, I think it is not wrong to say Canada is worth trying to immigrate to, work in or study in.

Toronto is just a small part of Ontario. Bills may be expensive in Toronto but not the same in St Thomas, Woodstock, Sarnia, London etc. These places are in Ontario. Even some people are running away from Ontario because they say it is cheaper to live in other provinces and still get the same thing or more than you can get in Ontario.

Let us talk about Nova Scotia, Halifax per sé, the same 2 bed apartment you pay $2500 - $3000 for in Toronto costs just $1000 - $2000 in Halifax. Even, it's $1000 - $1300 in some small cities in Ontario. Meanwhile Halifax has a population of close to 920,000. This is a big city.

Not everyone wants to live in Toronto. It is known that Toronto and Vancouver are expensive and can be compared to New York.

You can get in Calgary what you can get in Toronto. Calgary has a population of close to 2m. Life is not as hard in Calgary.

Meanwhile, you don't need to live in a 2 bed if you just need to live in a 1 bed, you can even rent a 1 room and jettison 1 bed. It all depends on your lifestyle.

Let us do some analysis here.

Wage:
Minimum wage in Ontario is $16/hour.
Minimum wage in Alberta is $15/hour.

Rent:
Rent in Ontario (Toronto) for example 2 bed $2500 (the price may be higher).
1 room in a shared apartment is $1200+

Rent in Alberta (Calgary) for example 2 bed $1700 (the price may be lower or higher).
1 room in a shared apartment is $700+

Population:
Toronto: 6.3m.
Calgary: 2m.

Let us choose, where would you like to live with just those simple data?

Many people are home owners in Regina, Calgary, St John's, Oromocto, London etc yet the same wealth would not buy a home in GTA. You choose the kind of life you want to live.

Also, I would accept a job that pays $30/hr in St Thomas, Ontario instead of a job that pays 35/hr in Toronto, Ontario.

One fact to note, Toronto, Vancouver and other big cities are not for people earning minimum wage. People should get that fact. If you are earning $30/hr, why would you find it difficult to live in Toronto? What kind of life are you living? You will enjoy Toronto without being stupidly rich if you can take care of your rent.

The truth is one can earn more and live a more comfortable life in Ogun State than in Lagos or Abuja. This is a practical fact and not an assumption.

I hope my analysis and analogies are clear enough to understand.

Willie3040:
Please Guru,

How long does it take for the GCMS note to be out (I mean least time).
Can I submit a POF from a microfinance bank .. (Baines Credit Microfinance Bank) precisely?

Thanks 🙏🙏🙏 alot in advance.

It takes 21 to 45 days to process.

Transfer the money into an account in a commercial bank and back up the lump sum with the microfinance bank account statement and provide valid explanations to back up everything. Then you are good.

This is my thought and may be incorrect.

Phamoxy:
19.5m POF, yes paid first semester tuition fee of 2.3million 3894 cad out of 12,484 for one year ... Two years diploma course in college of North Atlantic New Foundland, yes self sponsored

19.5m may not be enough considering the sharp increase in foreign exchange rate, the second year tuition fee, the balance of the first year tuition fee among others.

While many but an insignificant number have been able to get visa approvals with just a minimum of one year POF, majority are not favoured by this in this part of the world. This is why it is always better to show POF for the whole 2 years.

Dessymond394:
A friend of mine got his visa few days ago for a one year course and he applied last week of may with 10m POF and he paid first semester fee of 8kcad and your POF is not low, your Pof is good 19.5m..leme ask these questions
1. Did you add properties,
2.do you work in Nigeria or you own a business(if u own a business, did you submit TCC, CAC documents business invoices/ receipt
3. Did you have lump sum in ur POF.. 19.5m is a very good POF as long as u provide evidence of how you plan to continue sponsor urself during the 2 years
Cos sometimes these VO considers how will you be able to continue to sponsor yourself if you leave your job in Nigeria or you leave your business without anyone to manage it

19.5m may not be enough considering the sharp increase in foreign exchange rate, the second year tuition fee, the balance of the first year tuition fee among others.

You will agree that the situation of things in May is quite different from today

While many but an insignificant number have been able to get visa approvals with just a minimum of one year POF, majority are not favoured by this in this part of the world. This is why it is always better to show POF for the whole 2 years.

Fredba:
Oh okay
I'm going for a 2 yrs diploma

I consider you have paid tuition fee: hence,
1. Living expenses: $20,000 ($10,000/year)
2. Miscellaneous expenses $3,000+

This is for an individual-- the applicant only.

Oyesquare10:
Thank you for your response. It is very much appreciated.
I just got my 5 years skilled Visa, so I still have permit here in UK till 2028.
I am planning towards September 2024 so I intend to start saving towards it with the support of my husband as well.
I might need assistance in the career progression. I have always desired to be a Nurse but Nigeria happened so I studied Anatomy but I am now planing to do Bachelor's degree again though year 3 & 4.

Admission into Nursing program is highly competitive. You should start your school application now for the next academic year.

You should also note that it may be difficult to secure admission into 3rd year of Bachelor of Nursing degree. If you want this, you can search for 2-year Post Degree Bachelor of Nursing degree of the University of Saskatchewan
https://admissions.usask.ca/nursing-post-degree.php#top
This is designed for degree holders. It is a post degree program.
Or
Start afresh from year 1 of normal Bachelor of Nursing degree.

Alternatively, you should note that B NSc will make you an RN and Diploma in Nursing Science will make you an RPN. Both are professional nurses. You can enroll in a Diploma course to become an RPN.

RN:-- Registered Nurse.
RPN:-- Registered Practical Nurse (should not be confused for Registered Psychiatric Nurse that requires a bachelor degree to get)

Phamoxy:
Please someone should come to my aid, I feel so sad right now, my application was refused 😢

You should focus on POF-- form of POF, presentation, sufficiency among others.

People who have refusal reasons like yours have high chances of success upon reapplication if they work on and tidy up POF aspect

Oyesquare10:
Hi everyone, please I need some advice and guide. Is there a chance to study in Canada with UK skilled Visa? I am currently on skilled Visa in UK and I was intending to study Nursing but it is more expensive here in the Uk compared to Canada. Moreso, I do wish to immigrate to Canada.
I did Anatomy at undergraduate back in Nigeria.
Any advice would be greatly appreciated please.

Anyone can study in Canada so long you meet the eligibility requirements.

Some of the concerns you may need to address are:
1. Your status in the UK currently. If for example it is established that your work permit will soon expire and it would be difficult for you to remain in the UK, it is logical to assume that you are trying to gain entry into Canada to escape returning home. This will put you at a disadvantage.
2. Proof of Fund.
3. Purpose of study cum Career Progression/Academic Progression etc.

You will do well to address those concerns and more.

Kindly note that this is my thought, it may be incorrect, outdated and may not be good for you. It should not be regarded as a professional or immigration advice.

Fredba:
Can 19.5m available bal get me study visa?
First semester tuition already paid. 9k/semester

20m investment certificate from a company, to be liquidated in November

One land doc and shop doc

Firstly, I will like to make you aware that nobody can tell you that you can get visa irrespective of your POF because visa approval is a privilege and not a right: while you can have more than enough funds for your study, there is more to having successful application.

To reduce to a great extent the risk of refusal due to financial insufficiency, you need the following:

I consider you have paid tuition fee: hence,
1. Living expenses $10,000/year.
2. Miscellaneous expenses $3,000+

If you are able to provide more information like the duration of your program, how many people are accompanying you etc, you will be able to get close to accurate value of POF needed.

Sterling289128:
Can a parent who is already in Canada apply for study visa for 2children with 19kcad?

Are the two children eligible for free education?
Are the two children minor?
Are the two children intending to enroll in a post secondary institution?

My response will be based on your answers to the questions above: but generally, if I consider the parent to be either an international student, PR or worker, and the two children are intending to enroll in Grade 1 - 12, the C$ 19K is enough.

Tuition fee: $0. Free education till High School.
Living expenses $6,000 ($3,000/child/year)
Miscellaneous $3,000+.
Total : $9,000+.

subzheero:
Good morning,Please will 17.5m be enough as POF for primary applicant and 2 kids considering the recent exchange rate.Is 1 year program ,tution will be fully paid..what will be left is 17.5m so wil it be enough as POF for them....Kindly assist.

Yes, it will be enough provided that tuition fee is not included.

Living expenses for you: $10,000/year.
Living expenses for your child: $3,000/year.
Miscellaneous expenses: $3000+
TOTAL: $16,000+

Multiply this value by the prevailing official CBN rate to get the equivalent value in Naira.

Andreconium:
Please help

I graduated last year November in Fine Arts
I am a freelancer
I applied for a pgd of 2 years in web application, designer stream
I'm 23 by the way.
I am looking into taking a loan to sponsor my study at 35m upwards for both years, tuition plus Living expenses for both years

Anyways, please how will I sort this out
My home ties are just my parents and siblings. I don't have any assets or landed properties. I am not even sure that this is financially proof either for Canada study visa.
I'm also thinking of using NYSC scheme as one of my home times, because I haven't done it yet.

Should I just carry this money to the UK, study masters in user experience and then apply for PR in Canada after 3 to 8 years .

Thanks for the reply

Your post is more of an update about what you intend to do than asking questions. You may want to rephrase your statements.

Perhaps, someone who can understand your post better may comment. Kindly wait for others.

daisy1:
@showyoung tried all the options and via chat, I got told that I should expect reference number from VFS 2-4 days after they receive the passport. That there is a huge volume of passports submitted. Thank you

Good. At least you know where your passport is now.

Those guys can be difficult at times. Without the chat feature, you would have got one response a day which is so tiring and frustrating.

bennaz:
Pls help. I did my medicals on 7th June at IOM Abuja and I was asked to come for further Sputum testing for tuberculosis, test lasted 3 days, result will be out after 9 weeks. Pls what's the impact of this on my application, and how long will it affect my application process?? Pls anyone with same experience should help

Do not worry much about this. They are suspecting that you may have tuberculosis. This happens especially when you have had TB in the past even if its 30 years ago. The X-ray captured the scar which is interpreted to be TB bacteria. They want to be sure.

The sputum is being incubated to find any signs of growth in TB bacteria.

Effect.

Scenario 1.
If there is any sign of growth, you would be required to start an eight-month DOT therapy to cure the TB. Your application would be put on hold, if you meet the eligibility requirements, until after the eight months and it is established that the TB bacteria is totally dead or latent.

Scenario 2.
If after three months, none of the sputum specimens does not have any growth, you will be called in for another chest X-ray to compare whether or not there is a difference between the first and the new one . If there is no difference, you may or may not be asked to meet with a recommended TB specialist for additional test. If you are cleared medically, your application will be approved if you meet eligibility requirements.

Visa approval will not happen until after at least scenario 2 happens.

All the explanations above are for when you are in Nigeria. If per adventure the scenario 2 which is the best occurred, when you get to Canada, you would be asked to go for another chest X-ray and speak with a doctor for further assessment.

francophone134:
using new rate as a basis for denial is highly unjustifiable. When I submitted, rate was 345, now 536. Is difference not significant. Is currency suppose to increase in that manner? My POF of 81k cad has turned 46k cad. Mtcheeww....

In my opinion, nobody is certain about the rate they will use.

It would be unfavourable if they use the new rate for people who have submitted before the surge in rate.

You should also note that they own the right to make their decisions.

You should hope they ask for updated POF instead of outright refusal.

One thing is close to certainty: those whose application has favourably passed eligibility review before the surge in rate will not be affected. Meanwhile, these people should prepare for updated POF at the point of entry.

daisy1:
Hello Gurus, please I sent to passport to VFS Abuja since Monday. It got delivered on Tuesday at 10am.

But I am yet to get any email from them on whether or not they received it.

I paid transmission fee, 1-way courier and SMS fee and I attached all these receipts inside the envelope alongside the passport. I am in Lagos, actually did my biometrics in vfs Lagos. How long before I know whether VFS received my passport.

@showyoung
@zubizaretta

I have sent emails more than 3 times to Canadang@vfshelpline.com but no reply or response.

Please who has submitted to them, when will I get reference number?

While something may have gone wrong on your part too, I believe you can get hold of them quickly using the following methods;

1. Log on to VFS website and use the chat feature to get quick responses.

2. Also, send emails continuously-- 10 times daily-- to Customerfeedback@vfsglobal.com and Canadang@vfshelpline.com

3. Ensure you fill the customer feedback survey by clicking on "contact us", then click on "Submit a complaint" on their website and give a bad rating and write your complaint in the box provided. They must get back to you, although they are slow in responding.

4. Call their customer care line on 2348150199900.

The first option is the best and you will get result faster.

MightyRance:
Is not permitted to apply for study permit in Canada while on a tourist visa

You would say your study permit conditions do not warrant you to apply for study permit inside Canada. It does not apply to all visitors inside Canada. I am not giving you theory.

You may want to read and understand section R215.

If R215 applies to you as a visitor, you can apply for study permit inside Canada while on a visitor visa.

Another point is you didn't understand my post. Did you understand the following sentence in my post?

"You didn't even need to leave Canada to apply if you could still stay based on the condition of your visitor visa"

MightyRance:
Hello gurus in the house.

Good day. Please I’m planning of applying for a study permit from my home country Nigeria. I already have an active visitor visa which is still valid. I have traveled to Canada as a tourist 2 months ago.

But currently I am in Nigeria. Will this impact on my application positively. I need encouragement and advice. Thanks

Provided that you abide by the conditions of visitor visa, you should be fine applying for study permit. You didn't even need to leave Canada to apply if you could still stay based on the condition of your visitor visa.

IamAlexander:
Thank you for the swift and detailed response.

To answer your statement on insufficient information, I also intend to provide landed properties to support my financial capability.

However, you didn't answer my second question on whether I should move the funds to her account to pay for her school fess and buy GIC.

Awaiting your response.

It is difficult to give you a definite answer about financial sufficiency due to the limited information you have presented.

However, I will try to answer using the limited information you have provided with the below analysis.

Your USD 45,000 = CAD 58,950 @US$1/C $1.31.

have been able to get visa approval with just a minimum one year POF for courses taking longer than one year

@IamAlexander
First of all, I didn't say what you quoted with my name. You edited my post by infusing the last paragraph.

Although I understand you are trying to pass a message with the statement; I think you should have replied with the statement and not add it as if I was the one that made that statement.

To answer your question:

Both ways are good. Whether you buy GIC or move the money into her account, it all depends on your case and what will go well with your situation. I know GIC gives the best impression that the fund is solely for study purpose and cannot be easily diverted for other purposes while still in Nigeria.

Also, kindly allow me to comment on what you said about getting visa by showing POF for just one year for a course with a duration longer than one year. I want to ask you if you know the percentage of people that got that kind of opportunity-- very few and insignificant.

I never said it is not possible but it is risky. I said I am sure that if you show genuine POF covering your program duration, you would have eliminated the risk of refusal due to financial insufficiency. Also, a great percentage of applicants from this part of the world have not been favoured by IRCC for showing one-year POF for courses taking longer than one year.

IamAlexander:
Good afternoon house...

My wife wants to go for a two-year diploma with our son. In terms of proof of funds, will US$45k be sufficient for the VO to approve her study permit?

Also, do I need to move the entire funds to her account for payment of schools and living expenses before applying for the student visa?

Thank you for your time.

It is difficult to give you a definite answer about financial sufficiency due to the limited information you have presented.

However, I will try to answer using the limited information you have provided with the below analysis.

Your USD 45,000 = CAD 58,950 @US$1/C $1.31.

Living Expenses for spouse $20,000 ($10,000/year).
Living Expenses for child $6,000 ($3,000/year)
Miscellaneous Expenses $3,000+ ( may be more but $5,000 is ok).
TOTAL FOR LIVING EXPENSES: $29,000+ ($31,000 should be enough)

If we deduct $29,000 from $58,950, the remaining will be $29,950. This will be used for Tuition fee.

This means you should look for a college/university offering your desired course which goes for $29,950 as tuition fee for the entire two years.

Judgedment:

$29,950 ($15,000 per year)
If you can't get a program which has tuition fee of $15,000 per year, your money will not be enough.

My analysis is based on 100% elimination of refusal due to financial insufficiency.

Normally, IRCC states that a minimum of one year POF is enough. From experience, a great percentage of people in this part of the world has not been favoured by this. IRCC often time do assess applications from this side based on the number of years/duration of study. Meanwhile, some people have been able to get visa approval with just a minimum one year POF for courses taking longer than one year.

jaymay222:
Pls I got a rejection letter because of insufficient funds and the letter even came In French 😤I had to translate it … I used a sponsor’s $45k savings account and a letter from the sponsor a family friend, it’s a 9months program and the Tuition is $9000 cad , I had already applied before I came across this page.. pls 🙏🏼 make una help me , I want to reapply again but this time with the necessary information.
My bank statement dont have enough money tho .

Rejection or refusal?

Get GCMS notes first. Before you get the notes, you could pinpoint why you were refused based on some information. In fact, you have identified why you were refused. You know it yourself.

However, you can present your case in a better way in your next application.

segzyndpep:
Is it a must for me to show 1year living expense even though my PGD is just 8months. Will 8months living expense fly?

Yes, it is a must because you will not be given an 8-month visa but a minimum of 11-month or 1 year study permit.

kenoja:
I appreciate your bluntness o 😁. Please let me know if I can reach out to you o. It's for my son and I dey under pressure 🙏

Sure, you can.

Ayobamiaz:
You don’t need to pay a penny is absolutely free

Thank you for this information. I used to pay $5 to get it within 10 - 14 days but will try this option out if I am not in a horry (when I can wait for 30 days). Thanks.

Profdavvy:
It can be ordered for free at this same site . Choose privacy act option , that’s d only option for someone requesting for his/her notes outside Canada. And also choose cbsa instead of ircc .. cbsa notes come out faster within 30days

Thank you for this information. I used to pay $5 to get it within 10 - 14 days but will try this option out when I am not in a hurry (when I can wait for 30 days). Thank you.

Acknowledged.

gbengz101:
GCMS notes cost $5 https://atip-aiprp.apps.gc.ca/atip/privacyTerms.do

This is for someone residing in Canada currently.

If you know someone living in Canada who can request on your behalf, then you can pay $5: else, you have to pay more by using one of many websites. Just type the word "...order for gcms notes..." on a search engine.

Olugbemi1:
Hello everyone, my name is [ I deleted your name ], I applied for Canada Visa this year In Lagos Nigeria, I did my finger print Feb 16 2023 and they refused my Visa on the 17th this month of April based on my financials. Now I want to reapply but I was told to first apply for GCMS.

Please who can help me on how I can go about it please??

I used Agent as a first timer but now I want to apply myself now. Pls help mehe

If you state out the application details here, people can give you good advice-- although not professional.

However, I think you should delete your name from here for privacy reason.

I implore anyone who may have copied the post with name in it to edit the post by deleting the name.

kenoja:
Good Evening All,

I have been following this thread for a couple of months now.

We got served breakfast for my son's application for the following:

I am not satisfied that you will leave Canada at the end of your stay as required by paragraph R216(1)(b) of the IRPR (https://laws-lois.justice.gc.ca/eng/regulations/sor-2002-227/section-216.html). I am refusing your application because you have not established that you will leave Canada, based on the following factors:
• 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.

Main Details:
Minor 16+ years
Total POF N21.3m (about CAD62k at the time).
Total Cost: Annual Tuition of CAD17.2k, Living CAD11.5k, Others CAD3k and Flight 3k
4 years course duration

Timeline:
submitted on May 15, 2023 with upfront medical done and passed and refusal came yesterday June 17, 2023.

Main concern: School didn't require tuition deposit and none was paid. A lumpsum of N7.8m entered days before submission but sponsor account has in and outs of that range. letter of bonus payments was provided

Have submitted request for CBSA Gcms note today but timeline is really tight as admission is for Fall 2023.

francophone134:
sorry about the denial. I just feel that sometimes there are more to this denials than we actually can tell. Fine, the money is sufficient enough to cover for intended purpose of visit but they may have to look at other factors which we may not see. Factors like, does the person's sponsor has other responsibilities. E.g maybe other children that he has to cater for?that is just one example. Who is sponsoring and what the person does is very vital. Also they may have to look at how regular money enters the account and sum it up for the last 4-6 months to know the range of cash that enters. All the best in your reapplication. Also, assets are very important. Sponsor has to show not only cash at bank, but also assets of value (material) It will end in praise!

The POF is not at all sufficient.

The reason for not approving the visa is justifiable if you look closely into many factors in this application.

Next time, if you tidy up POF among other factors, your chances of getting a positive decision is high.

Mrblaqjaym:
No I am single applicant, None of my family is going with me.
Provision for enough micellaneous for 2nd refusal, how do you mean? I haven't applied for a second time, that's why I am asking if there's any document that I will need to provide to avoid a second refusal, I didn't make provision for a first refusal either.

I calculated my POF based on duration of my study program, my study program is 2 years(18months actually)

Your GCMS notes reads three refusal reasons. I didn't mean you have applied twice or more time.

Even though you applied without accompanying spouse and/or children, your POF is not still enough.

Using the old rate of CAD 1/345, your 7m will only be equivalent to approximately $20,000. This is what you need for living expenses for the two years. Where is the money for miscellaneous expenses-- at least $3,000?

Meanwhile, if you should reapply, you will do well to take into account new rate of $1/485. Your 7m would only be equivalent to approximately $14,400 and not $20,000 again.

Also, you will do well to explain your motivation for going for MPOWER loan to the tune of such amount-- how the program is so important that it can be a reasonable investment etc.

Mrblaqjaym:
Hello House, please I need your help. I Lost my mind after a getting a refusal note from IRCC,I want to know if I should continue on this canada study or look Into the European region. I am a first time applicant and I am sponsoring myself.

1)Study permit submitted on the 5th of May
2)Biometrics on the 12th of May
3)Upfront medicals on the 11th of May.
IRCC requested I do a sputum test on the 28th of May, test was concluded on the 2nd of June.
Expected date for sputum test is first week of August(I have done Sputum test in two different hospitals and they came out nagtive, no trace of MTB. I am expecting a genexpert result on my Monday to also know from a military hospital in Port Harcourt.

On the 15th of June I got a refusal letter from IRCC based on financial issues.
Tuition deposit paid 500CAD
My tuition fee is 49kCAD for two years.
I submitted an approved 50kUSD from Mpower.
I submitted a stamped #7m bank statement of my own account from Access bank (there was progression it wasn't a paid POF).
Is this funds not OK for this study?

Now I would like to reapply when my gcms note comes in July to meet up with September.

I work in my dad's firm, I do not receive salary, I manage his business, I also own my own registered business.

Document I submitted showing proof of work;

My ID card.
My Company CAC document.
Letter of Introduction showing my own business annual return.
Study leave with pay, using my dad's business letter head.

I have thought of doing this if I am to reapply;
I intend bringing in my dad business fully into the application, I didn't give more details on it before cause he wasn't my main sponsor.
I want to do a valuation on his two property and include that he sold a property to raise #10m which will be in his account (he has a total debit and total credit of over #200m but closing balance isn't upto 4m but we can get it to 10m). Then include his company profile and CAC document (but no active) business invoice,complimentary card and pictures of work place and family pictures. Will these fly?
Will they request for tax documents?

Please house advice me on how to go about this?

From this GCMS notes, I think you also applied for accompanying spouse and/or children and/or your course of study is not one year: if all or either of those is true, your POF is not enough at all.

Did you make provisions for enough miscellaneous expenses (3rd refusal reason)?

Did you calculate your living expenses based on the duration of your program including those of accompanying spouse and/or children( 2nd refusal reason)

Failure to address the 3rd and 2nd refusal reasons gave birth to the 1st refusal reason.

This is my thought and not a professional advice. It may be incorrect.