ONEO24:
Good morning house i just got rejeceted and i want to re apply. i would like to get some advice toy you guys. Thank you

Sorry for the refusal. Order for your GCMS Note first.

I appreciate your quick response.
The source of income is from her business which isn’t registered.
And yes the funds can cover for myself and 2 siblings.

Ketima:


Now from what you said, your mum has a good balance in her personal account and also has a business that isn't registered yet?

First, The funds in her personal account, is from what source? Is the money from the business or she is employed? Cos you need to show poof of how the money comes. If she is an employee, she need to show empowerment letter, ID card, payslips etc likewise for business, you have to show some documents to back up the source of fund.

Again, will the money in personal account cover your entire expenses and still have enough for your sibling's back home ( I presume you have siblings). You have alot to tell us here.

Why I'm asking is, if the money in her personal account is much that it can take care of your expenses and still remain for your siblings, then no need for business account. Again, if the money in her personal account isn't coming from business but as being employed, then you don't need the business account for POF.

But you guys should try and register the business no matter what so that you can use that in your home ties that will be bringing you back to manage after your studies.

That's the little I can say from my lay man's perspective. But try to answer the questions I asked.

Thanks you.

Omiinii:
Wunmi since she earns through her business you'll drop every documents to confirm that the funds in her account comes from there. Business invoices addressing every transactions for the last 6 months, receipts, Customer's reference letters(with letter head), CAC certificate, tax clearance certificate, pictures of her products or goods. If she has a web presence, you go drop her Facebook link or instagram link.

In the case of someone that runs a restaurant business or a bar? Don't you think he can't provide an invoice for such business? This is because the services doesn't require an invoice.

Jay316:
since ino sharing is complete,I think Background check is over but they wont tell u.I think ur eligibility has started. just keep sending mails and webform

It’s over like two months now i last received update

Thanks a lot.


Both schools are in Ontario, so they might have the same community of Nigerians, but you can put their names on the search bar here and you will get people who have done something with the schools and reach out to the individuals directly and ask your questions. [/quote]

Titan1295:


In the case of someone that runs a restaurant business or a bar? Don't you think he can't provide an invoice for such business? This is because the services doesn't require an invoice.

Hello Titan, your question is right but then look at this this way. How much is the tuition of Greatomounmi. If you combine total of that plus living expenses, can that kind of small scale business fetch that kind of fund? VO are trained to ask how come this and that? And again VO don't care if is small scale or big scale, all the want is, if you said this business is the source of this POF before me, prove it to me. So applicants must have to prove it. That's why is is adviced that if source of POF is business, kindly submit CAC, TAX clearance (if applicable), waybill and invoices etc. So even if na bar she runs and don't give invoices to customer's who come to eat nd drink, but she buys drinks and should request for invoice/waybill from them. That can suffice too.

Greatomowunmi:
I appreciate your quick response.
The source of income is from her business which isn’t registered.
And yes the funds can cover for myself and 2 siblings.

Please as someone has said. Since the money in her personal account is from her business. She needs to provide evidence of the existence of the the business and how the money came about. So pls let her register it, get invoices, Waybill, tax and dues payment ( local government etc) picture of business ad all that.

My own view though. The gurus will guide you better

It's almost the same thing just advanced. I don't have a restaurant and I may not be conversant with the method of operations but if you're not using the lame man's business invoice. Then, the next best thing to monitor a restaurant inventory involves point of sale systems, barcode scanners, and electronic records. All these should link to the actual inventory count and these database can be used as proof of operations. Other documents will back up it up as well. If every transaction tallies and you can explain all these in your SOP. I'm not even sure VO get time to check all your inventories but at least the effort will convince him/her especially if you have registered the company.

Titan1295:


In the case of someone that runs a restaurant business or a bar? Don't you think he can't provide an invoice for such business? This is because the services doesn't require an invoice.

lilylurv:


Call them...I called them when I did not get a response to my mail and that was it, I was scheduled.

46,500

Did they give you a closer date?

Guys, I need your help, so my application was refused based on financial reasons, asides my sponsor paying my Tuition fee of about 17kCaD there was no other financial commitment, though I submitted his 2 of his corporate account bank statements closing 22million in one account n the other which is a DOM acct has a closing balance or 203,000USD, letter of sponsorship, affidavit of sponsorship.
Now to reapply, my sponsor is willing to transfer my 2years of living expenses and my tuition balance to me all sums up to 30kCAD, Can he pay this money into my personal account once or I open a DOM acct for him to pay it into at once? Guys pls I need your urgent advice.

You upload it under "client information".

femmmmi94:
Hi everyone. Pls where do we upload supporting documents when applying for study permit. I have already uploaded the mandatory IMM forms. Where do i upload things like school certificates, SOP, and others

Great People and Gurus.

I am here again. I believe it is better to ask and get clarification for any uncleared issue than to make mistakes. So kindly pardon my continuous questions.

Now to the question. I have keenly observed that lots of people are getting refusal relating to finance and a larger percentage of them used sponsors.

I am married with 2 kids and going a 2years program with Co-op. Sadly i will only have 20k CAD left after 1year tuition fees payment. Will that amount be enough for self sponsor? I wants to ask so I could avoid challenges/poor documentation will proving business and relationships of sponsors.

makano:
Hello Ohizzy

Your profile looks good though, probably you were not convincing enough in your application.. Its one thing to have billions in the account, its another thing to convince the Visa officer that the billions will be readily available for your study in Canada..

You said you applied for your GCMS notes Oct 14th which was yesterday, so lets wait for the GCMS notes to arrive, which will be around Nov 15th 2021. With this I will advise you defer your admission till September next year(forget about January, except you wanna apply blindly) so you can have ample time to prepare a convincing application... Your refusal reason is easy to tackle...

As to the lost of your Job, sorry about that.. But hope you have not been Idle since the lost of your Job cos that can count against you, hope you have been involved in some voluntary service and all...

But like I said, I wont really talk much for now until when ur GCMS notes arrive, then we will know how to tackle the concerns of the Visa Officer.. I suspect there was a minor concern of the Visa Officer that resulted to your refusal....

A strong and convincing SOP and LOE will do justice to that... So when you have your GCMS notes, drop it here, knowledgeable peeps are here to help you out..

Peace

Thanks a lot, Makano.

I believe I didn't do a very good job with my SOP.

As regards the loss of Job, I started a business of importing gadgets and selling them here but unfortunately, I couldn't get my CAC registration until 5th August 2021. I recently just opened a corporate account for my business last month and, before then I've been using my personal bank account for my business activities.

Once my GCMS note drops I'll share it here as advised.

Gracias.

Good day, please who can avail me with a travel documents check list, enlisting every document that is required to cleared by immigration.

I am travelling to Vancouver from Abuja this month end via British Airways (One stop in London).

Thanks in anticipation. God bless.

beedyboy:
You necessarily don’t need to submit before doing upfront. However, with the situation of things like available slots, I’ll advise you submit your application and book for the nearest available slot for your medicals

Ok thank you.

Good morning everyone, please how do I write a “Letter of explanation “

I was refused before because the money in my sponsors account wasn’t enough so I intend to reapply now that my sponsor has deposited my tuition and living fees into my account.

How do I write my letter of explanation pls??
And what documents do I need to back this up with??

Thank you

Happy Sunday guys, please I need an urgent answer to this, for those that have used Flywire for their tuition payment, how does it work with form A, coz the exchange rate am seeing on flywire website is outrageous OMO!!! almost 500# to 1CAD. I also figured out I can pay with online Local Bank Transfer on flywire(does online local bank transfer in NGN on their website mean the FORM A) ??,
if am to use the local bank transfer are they still going to charge me with their rate or normal CBN rate?

Thanks for your reply.

Tito87:
Guys, I need your help, so my application was refused based on financial reasons, asides my sponsor paying my Tuition fee of about 17kCaD there was no other financial commitment, though I submitted his 2 of his corporate account bank statements closing 22million in one account n the other which is a DOM acct has a closing balance or 203,000USD, letter of sponsorship, affidavit of sponsorship.
Now to reapply, my sponsor is willing to transfer my 2years of living expenses and my tuition balance to me all sums up to 30kCAD, Can he pay this money into my personal account once or I open a DOM acct for him to pay it into at once? Guys pls I need your urgent advice.

Hi Tito, the issue, I believe is the unfavourable disposition some VOs have with applicants presenting sponsors with funds in their corporate account, I think that they don not know how corporate business work here, if I may ask, the letter of sponsorship, was it executed by the company or just your sponsor? Then what is the relationship you have with the sponsor or the company, VOs might think that there is no relationship between you and the sponsor so why would they spend so much to pay for your education?
Your sponsor can move the funds to you and you do a gift deed for the funds and you state it in your LOE. The funds can be in ur dom or naira account , preferably dom to preserve the value.

nathanD:


Did they give you a closer date?

Yeah...like 2weeks...but I reached out out to IOM Abuja too and they gave me a date even closer...went for the test on 14th, and already updated on 16th by IRCC.

This isn’t an updated checklist but should be close.
Tuition payment
Visa
Proof of enrollment
Negative covid test result
Arrive can filled
Letter of authorization (the one received after pp was stamped)
Proof of vaccination if you are vaccinated
Quarantine plan whether vaccinated or not(would be decided at Poe)
Proof of funds

Kodaline:
Good day, please who can avail me with a travel documents check list, enlisting every document that is required to cleared by immigration.

I am travelling to Vancouver from Abuja this month end via British Airways (One stop in London).

Thanks in anticipation. God bless.

lilylurv:



Wow! Congrats!!


I key into your testimony.

June 15 application date
Biometric completed June 28
Request for medical sept 29
Medical to be done Oct 14
Medical passed Oct.....
Bvl and ppr Oct....iJN


School already resumed Sept 7

#WhatGodCannotDoDoesNotExist

UPDATED!!


I key into your testimony.

June 15 application date
Biometric completed June 28
Request for medical sept 29
Medical done Oct 14
Medical passed Oct 16
Bvl and ppr Oct....iJN


School already resumed Sept 7

#WhatGodCannotDoDoesNotExist

Perfectyyyyyy:
Great People and Gurus.

I am married with 2 kids and going a 2years program with Co-op. Sadly i will only have 20k CAD left after 1year tuition fees payment. Will that amount be enough for self sponsor? I wants to ask so I could avoid challenges/poor documentation will proving business and relationships of sponsors.

Hi Perfect,

Will you be travelling with your two kids and your husband?

The key is really is to show that funds will be available to take of you and your dependents whether they are coming with you or not, if your kids are coming with you, at least 1 year living expenses must be available(10,000+8000= 18000) plus other things like flight ticket etc. That being said if your husband has any funds he can also add his own to, and you present him as a co-sponsor, but then you have to show what he does and how he earns income that he will be using to support himself after contributing funds for the educational expense.

feistymikey:
Good morning everyone, please how do I write a “Letter of explanation “

I was refused before because the money in my sponsors account wasn’t enough so I intend to reapply now that my sponsor has deposited my tuition and living fees into my account.

How do I write my letter of explanation pls??
And what documents do I need to back this up with??

Thank you

Hi Mikey, have you gotten your GCMs notes? LOE is responding to the concerns of the VO one by one with reasons to counter those concerns. There is no universal format to writing LOE, but you can search on this site for additional guidance.

kennyjoy:
Happy Sunday guys, please I need an urgent answer to this, for those that have used Flywire for their tuition payment, how does it work with form A, coz the exchange rate am seeing on flywire website is outrageous OMO!!! almost 500# to 1CAD. I also figured out I can pay with online Local Bank Transfer on flywire(does online local bank transfer in NGN on their website mean the FORM A) ??,
if am to use the local bank transfer are they still going to charge me with their rate or normal CBN rate?

Thanks for your reply.

If you are using flywire, the payment to be made is also shown in USD, that amount in USD is what you are supposed to present at your bank to be paid through form A, however, the rate used by flywire is valid for 3 days which means that your bank must move the funds within 3 days or the rates might change and you might have a short fall.
Forget the online transfer in NGN, except you have the funds and can afford it, only form A will give you CBN rate.

Bobomaigida:


If you are using flywire, the payment to be made is also shown in USD, that amount in USD is what you are supposed to present at your bank to be paid through form A, however, the rate used by flywire is valid for 3 days which means that your bank must move the funds within 3 days or the rates might change and you might have a short fall.
Forget the online transfer in NGN, except you have the funds and can afford it, only form A will give you CBN rate.

Thank you thank you.

Once again thanks.

I am a male. My wife and kids would be staying behind. My wife is employed so she would have enough to take care of herself and kids. In additional to that, I have a Haulage truck what would be generating fund for them and for other purposes while I am away.

Bobomaigida:


Hi Perfect,

Will you be travelling with your two kids and your husband?

The key is really is to show that funds will be available to take of you and your dependents whether they are coming with you or not, if your kids are coming with you, at least 1 year living expenses must be available(10,000+8000= 18000) plus other things like flight ticket etc. That being said if your husband has any funds he can also add his own to, and you present him as a co-sponsor, but then you have to show what he does and how he earns income that he will be using to support himself after contributing funds for the educational expense.

Perfectyyyyyy:
Once again thanks.

I am a male. My wife and kids would be staying behind. My wife is employed so she would have enough to take care of herself and kids. In additional to that, I have a Haulage truck what would be generating fund for them and for other purposes while I am away.

Apologies for the mistake, if you are able to make the funds in your account up to 30000 CAD that will be very good, though there are some people that had less and they got PPR. You have strong home ties that you will show, is the haulage business registered?

kennyjoy:
Happy Sunday guys, please I need an urgent answer to this, for those that have used Flywire for their tuition payment, how does it work with form A, coz the exchange rate am seeing on flywire website is outrageous OMO!!! almost 500# to 1CAD. I also figured out I can pay with online Local Bank Transfer on flywire(does online local bank transfer in NGN on their website mean the FORM A) ??,
if am to use the local bank transfer are they still going to charge me with their rate or normal CBN rate?

Thanks for your reply.

Hello, you have to register yourself in flywire platform first. Click on new payment, then input your school and amount in CAD. Different means of payment will be generated. The outrageous amount you saw is the one that you can do directly from your account "on the go", like a mobile banking thing.

But pls scroll down, you will see international nank transfer in USD, that is the best option. But please take note, you will take it to the bank with you Printed bio data page of your passport (color), your unconditional or conditional letter of acceptance, the invoice you generated on the flywire platform and the color photocopy of your original degree certificate.

Also, it might take up to a week or two before you are debited in your naira account.

God's speed.

Onaya:


Thanks for your words of encouragement. What actually prompted the request for additional medical examinations was their suspicion that I might have a TB, following the result of my first chest x-ray. But I thank God it was negative. The review of my eligibility and background check have started since the second week of August. I really wonder what the heck they're still reviewing till now. Maybe my application has been classified under the complex category. Someone in the past on this thread also had a similar experience, as he had to wait for six solid months before getting a final decision on his application.

The silence is epic indeed! But God no go shame us las las.

I'm also May applicant, my eligibility started second week in September, I'm still on the waiting list. It will end in praise for all of us

Perfectyyyyyy:
Once again thanks.

I am a male. My wife and kids would be staying behind. My wife is employed so she would have enough to take care of herself and kids. In additional to that, I have a Haulage truck what would be generating fund for them and for other purposes while I am away.

Spouse having a job to take care of the house while the primary applicant travels is very crucial and a good message that the applicant is coming back

That's a good one from you. But please submit the documents of her employment, ID card and possible pictures of her in the office.

feistymikey:
Good morning everyone, please how do I write a “Letter of explanation “

I was refused before because the money in my sponsors account wasn’t enough so I intend to reapply now that my sponsor has deposited my tuition and living fees into my account.

How do I write my letter of explanation pls??
And what documents do I need to back this up with??

Thank you

LOE - Letter of Explanation
The theme of a LOE is geared more towards the re-applicants (after their visa has been rejected in past). In this case, the applicant will start first-half of the letter by explaining what went wrong in previous applications and on what ground it was rejected. How those issues are addressed in the present application. In the later part of the letter the usual SOP stuff goes in.

See the link below for
Letter of Explanation (LOE) to address/tackle refusal reasons (Format and Sample in Video)


https://www.youtube.com/watch?v=vvi9p14sz5g

Good afternoon nairalanders….. please I need an answer to this.
I received my letter for medical on the 23rd of Septemberand I was given a 30days deadline to do it… I was scheduled by IOM to do it on the 21st of October. My question is isn’t the date too close to the deadline for doing and submitting my medical details

Please take this form to your bank that was used to pay the money. They will provide you with the correct information to use for 5he refund. When I did a refund from a school, I used Zenith bank Dollar account for payment and the bank referred me to my account officer who did justice to all the needed information.

All the best

Dimeji0822:
Hello guys, I am trying to fill a refund request form, anyone have an idea what this correspondent bank means. I have filled the beneficiary account details. Fees was paid in the US(usd) to the Canadian college. And a void cheque?