RollyA:
I duno but with the way I feel about visa applications now, if you can avoid many checks please avoid. Business can just be ties. Let your dad be your sponsor and he can transfer whatever amount he wishes from his personal account to you. It’s more straight forward and direct. Then your dad can show that he has a viable business and it’s for the family and you are directors. I duno really; don’t assume visa officer should know however the company funds should be used. Avoid probing if you can.

Enjay316:
my dear ,let his dad pay the school fees and if possible open a GIC for him ooo.cos lump sum this days is dicey.also,if his name is on the CAC documents, it will fly since his dad is the director and he is one of the owners but the only negative is that the company account MUST BE VERY WELL FUNDED

RollyA:
Look, it can swing anyway. He doesn’t necessarily have to send you the money, he will just say he’s supporting you. Even if it’s a lump sum sent, it’s going to be backed up by a letter of support and gift deed and it’s your dad, hardly ever a problem if the lump sum is coming from him. Just weary of the money being paid from a company account. Vos don’t know how these things work, once it’s company they wonder why a company will sponsor you, they will have denied you before they realize it’s a family business.

I may be wrong and this is plainly my opinion, self sponsored applications are getting approvals more, sponsored application from parents or spouses come second. Anything company, I will advise you just get a consultant to handle it. Like
Ok so a gift deed doesn’t have to stay in the account for 4-6months to proof funds?

Bobomaigida:

Please what kind of letters where you given for the insurance and investment, did it specify that you can access the funds at anytime?
Then did you reference this in your SOP?

Elixosodi:


Yeah I have seen it, I will share it soon.

RollyA:
It’s clear. I wouldn’t worry much. But whatever you do, don’t liquidate your investment, if you have to, liquidate the amount for tuition into another account and cos it’s another war if you liquidate and reapply, they will call it lump sum. If you are lucky a good visa officer will understand, if not, another unmerited denial. So the second question, what financial institution did you use?

What also struck my eye is the pension thing, did you present your whole pension as spendable, if you did then that’s not true. Have your PFA do a letter stating that 25 percent will be available 3 months after, I always advise that have your main money and let your pension be an addition.

I used AIICO and Leadway. No Pension document.

shawnmich:
Good day guru in the house.
I greet every one. Please I have a question about the home tie and proof of finance.
I have 2 landed property one for farm and one normal land to build a house, I also have two completed house, one I want to lease it out and the one am living in, which documents can I present as an evidence for I have the documents of each ties but not the C of O type for we know that C of O is quite expensive. Will they accept the normal documents, survey and others. More so I have a family with my two kids which am not planning to go with presently, and finally I have a registered company that deal with solar system, though not a big company, can all these work as a tie?
I don't have much in my statement of account so am planning on getting loan to balance it up and get 2m -3m on my statement of account.
Can this fly..... I will appreciate it if the guru in the house can advise and help me through.
Thanks

RollyA:
If it’s not a pension account, aiico and lead way are not banks.

RollyA:
Lol, I have a job, I am a management staff, even explained how I was made acting managing director when my md resigned and I was considered as his replacement but I didn’t have the qualification. I’m going for masters of global management. I got study leave and my board gave me a commendation letter.

I explained that I had my funds in a fixed deposit account and I liquidated it for purpose of my bank statement. I attached fixed deposit letters showing I had been holding the funds since June 2020. My uncle gave me money November 2020, my mum gave me in March 2021 and I immediately paid my fees with it. I think I stressed it in two parts in my sop attaching gift deeds and all the docs in this life. Reasonable expense in itself is an unfair word and it should never be used, the VO has overdone and overstepped on its reasons, whether reasonable or not, the idea for all of us going to study is to improve ourselves.

Still they didn’t read that. The lawyer said I can do all things right in my next application and still not get it especially when there’s a bias of lump sum.

I have done GIC and paid my tuition, so once there’s a settlement I present it as additional documents. I just don’t want the 2nd refusal in my immigration record.

Enjay316:
I understand dear.it is well.I think the issue may b d lump sum and they probably think if the job was so sweet as to them considering to even make u the M.D, why do u still need a sponsor?.also they may feel that course can be read in Nigeria, y Canada ?.
This V.O can be somehow.if u were an Indian, u would be given PPR straight up.and my brother in Canada told me Nigerians are doing better in Canada in terms of criminality than indians

RollyA:
Honestly. If I didn’t have a job, or I didn’t explain why I am carrying 13m to study it can be admitted it’s not a reasonable expense. I even attached a research pay scale of how much a compliance officer of my caliber should be earning if I had a masters. They didn’t even factor in the fact that I had paid 28k of my tuition. My efforts were watered down. I was even more concerned it was cos my uncle is sponsoring me, but that didn’t even come up.
Lol I’m rooting for myself also. Thank you so much.

RollyA:
Honestly. If I didn’t have a job, or I didn’t explain why I am carrying 13m to study it can be admitted it’s not a reasonable expense. I even attached a research pay scale of how much a compliance officer of my caliber should be earning if I had a masters. They didn’t even factor in the fact that I had paid 28k of my tuition. My efforts were watered down. I was even more concerned it was cos my uncle is sponsoring me, but that didn’t even come up.
Lol I’m rooting for myself also. Thank you so much.

Bobomaigida:

Please what kind of letters where you given for the insurance and investment, did it specify that you can access the funds at anytime?
Then did you reference this in your SOP?

Elixosodi:


They are just insurance investments which I can liquidate anytime.

My mom is my sole sponsor.

RollyA:
And company sponsorship is also worse. That’s why I said I will rather have the lump sum come from his dads personal account than company. They hardly check all that, only a few actually check well and understand. Once they see company they become suspicious. GIC is really pricey, not everyone can afford it. I know I spent extra 1m cos of black market. So for me, if he’s not in a hurry, move the money monthly till he’s ready, some ppl actually use 1 year to build account. That’s the best but not everyone has that luxury of time

Elixosodi:


They are just insurance investments which I can liquidate anytime.

My mom is my sole sponsor.

Enjay316:
I agree.one thing about GIC is that weda u like it or not,u will still spend that money on black market uf u r still going to move money from Naija. but it helps answer lump sum questions I think o.Company account could be dicey I also agree.Also he did not tell us if they have been paying tax cos the company may have to submit that too if they are to sponsor him

Munamoqel:
Please my application is almost 1 year old since October 13 2020,university of Brandon submitted MBS of 30m self funded student eligibilty is over 8 months now no final results.order gcms notes application review required .any body with such long application duration which look very strange to me . (am self funded)

RollyA:
That’s another angle, that’s why I said even their law itself states that an applicant must show that he has funds available, whether I am established or not is now overdoing. Does my course of study align, yes, Is the money there, if it’s not, did the person giving you money write a letter? Will this person come back? That is all they need

Enjay316:
but the note did not say anything about ur mom

RollyA:
No actually, bank can transfer living funds to you. Recently it’s about 3-4k per semester. Living cost is covered only that it’s not prioritized over school fees or medical bills, so they put a cap to it.
The beauty of the GIC is if they pay you, you can change it to Naira black market and even make double provided the black market rates go up.

For me, company sponsorship is just a no no, it requires a lot of due diligence. So I will rather just use business and co as ties, and proof of asset

RollyA:
Honestly. If I didn’t have a job, or I didn’t explain why I am carrying 13m to study it can be admitted it’s not a reasonable expense. I even attached a research pay scale of how much a compliance officer of my caliber should be earning if I had a masters. They didn’t even factor in the fact that I had paid 28k of my tuition. My efforts were watered down. I was even more concerned it was cos my uncle is sponsoring me, but that didn’t even come up.
Lol I’m rooting for myself also. Thank you so much.

Enjay316:
what was ur first degree course and what does ur present job entail.as in what do ur company produce or sell.what business are they into?

Emmasonic4me:


Based on the recent policy on ground now, the earliest you're allowed to travel is 4 weeks to your resumption date. You risk not being allowed to board if you travel earlier. Qatar Airways refused to board a friend of mine that is 6 days more than 4 weeks (30 days) from the resumption date. This may change later though.

You don't need to state your reasons for deferral to IRCC. They know they delayed giving you a decision so you couldn't meet up with your resumption. Just inform them you deferred and ask them to update your file with the new LOA.

Katehasty:
Hello house please I need advice…I study anatomy as bsc is it possible I go in for a course that is not relating to health like global hospitality management

KellyKk:

Everything is still grace and how lenient each VO,s are . Someone on this platform paid 8kCAD as tuition deposit and 4.5M as POF without any work history and got approval .