Big big congratulations to all who got ITA!!! So happy for you. Now the real work begins but sha it's one leg in Canny! Can't wait for the PPR testimonies!

ottawaboi:


Please house, i want more views than these as i have another option of liquidating the funds in piecemmeal and crediting her account gradually , say over 3 months or so...i just want to ensure that the funds do not raise any eyebrow as in all, its our savings over time and free of any incumberence.

Chief no need moving these funds from your account to your wife account. POF can be in your name or wife's name - abi you no dey follow her go Canada ni!

Liquidate your investment NOW - get a covering letter from your Cooperative on both investments. This is to show where your lump sum came from. If it was TBill or Bond from a Bank, there would be no need to liquidate, you can submit the certificate.

My only concern is if your Cooperative isn't a registered cooperative in Nigeria, because the letter head should show their CAC number. If it is registered, you don't have problem. If it's isn't - it is legally wrong to do business with an illegal entity.

Boss13:


POF can either be in the name of the primary applicant or in the name of the spouse. Nothing wrong in POF being in your name. No need to transfer to your wife.

Please note that this is just my opinion. The supposed problem with your POF is your cooperative, because the VO will need to confirm objectively that you have the money you claimed in your application and I do not know how your cooperative will satisfy that. You can either get a certificate from your cooperative after you liquidate the funds to show when the investment was made and when it was liquidated. This can assist the VO to form an opinion that the money in your statement of account is actually from your cooperative. Also, like I said previously, no need transferring the money again to your wife. It may appear you are trying to conceal something. Please note that I said, it may appear. Then you can explain your proof of funds in your letter of explanation. And if you can liquidate this cooperatives investment today, please do, but get the certificate and letter from them and also hope your cooperative is registered.

On your wife's international passport, she has two choice - wait next year to get a new one or apply with the old one. Also, the name on her passport must be the same on her application. There is a section for applicants who have other names - she can then put her new name there. Then support with marriage certificate, affidavit and newspaper column for change of name.

I don't think cooperatives give certificates oo. You have a card like esusu where you mark the monies paid monthly. If the monies are deducted from your salary it will be reflected in your pay slips. I think that's sufficient proof. I don't know if cooperatives will write letters like bank and add their certificate of registration. Anybody who gets that is lucky . I belief that the deposit will reflect the name of the depositors, your payslips(as many as possible 12 random ones) to show the debit. A vo can decide with that

dupyshoo:
You can liquidate the money from your cooperative funds into your account, then transfer it to your wife's account. A simple LOE from you will be sufficient for the money transferred cos you are an accompanying spouse.

However, for her own cooperative fund, she will need to show evidences that the money was hers in the first place. An agreement signed by her to start the cooperative, bank statements showing the monthly deductions from her account and a letter from the cooperative showing when she started contributing the money, total money contributed and explaining that the money transferred to her account is her contributions and that there is no repayment required might suffice.

Is the cooperative registered? If it is not registered, it might cast doubt on the authenticity of the letter from them. If she can get a Cheque from the cooperative, it will be better. She can then deposit the money in another account that she has, transfer the funds to your account and then you transfer the money back to her salary account.

My advice is this: think of any questions the Visa Officer might have with regard to your POF and ensure you have answered all the questions.

What you just explain here is the reason VOs cast doubt on lump sum. What is the essence of a husband transferring money to the wife and then support with gift deed? That's why Accra VOs frown so much with Nigerian applications.

The question the VO will ask is - why can't the husband just submit his statement of account because POF can be in the name of the spouse of primary applicant.

Your advice shows concealment. A gift deed can protect such concealment but it opens the applicants to intense scrutiny and delay in processing their application.

I will only recommend your advice if his Cooperative isn't registered and further add that ALL their documents must proofread multiple times for errors because one slight error leads to ADR and further delay.

optionese:



I don't think cooperatives give certificates oo. You have a card like esusu where you mark the monies paid monthly. If the monies are deducted from your salary it will be reflected in your pay slips. I think that's sufficient proof. I don't know if cooperatives will write letters like bank and add their certificate of registration. Anybody who gets that is lucky . I belief that the deposit will reflect the name of the depositors, your payslips(as many as possible 12 random ones) to show the debit. A vo can decide with that

HA!!! Then this is a problem. I still insist that the funds be liquidated immediately because of time. According to the OP, it is their money - they didn't borrow. To avoid much issues - just leave the money for 6 or 7 months, then apply.

Alternatively, if they are in a hurry - do gift deed. However, the essence is WHY!!! Why gift your wife money that belongs to you both. Like I said, do gift deed ensure other documents are okay without issue - they are good to go. Oh! Don't forget to use LOE to explain. You can say you and your spouse operate your finances separately so you are gifting her the money.

Eija:
My name is Ekundayo Ijaodola
Level of education: BSc
My IELTS Score: 64%
Age: 30
Marital status: married

Please assist me

Just read from page 0 to understand better

Boss13:


What you just explain here is the reason VOs cast doubt on lump sum. What is the essence of a husband transferring money to the wife and then support with gift deed? That's why Accra VOs frown so much with Nigerian applications.

The question the VO will ask is - why can't the husband just submit his statement of account because POF can be in the name of the spouse of primary applicant.

Your advice shows concealment. A gift deed can protect such concealment but it opens the applicants to intense scrutiny and delay in processing their application.

I will only recommend your advice if his Cooperative isn't registered and further add that ALL their documents must proofread multiple times for errors because one slight error leads to ADR and further delay.

Well I didn't know this part of spouse can submit POF too. @ottawaboi be patient lets all deliberate on it for the next few days before you decide what to do.

Congrats to all the new ITA recipients!

Boss13:


I just read a comment where this has been nipped in the bud. If your POF is complete and you still forward pension fund, it will be ignored. If your proof of fund is not complete and you use whatever percentage of your pension fund to support, you will get ADR (additional document requirement) asking you to provide documentary evidence to complete your POF.

I am certain Accra VO will send you an email.

For the guy asking if POF is different from Settlement fund - yes it is. POF is proof that you have this fund and you forward documentation to the VO, who will first review your POF document, confirm from your bank and express satisfaction that you have the fund.

Settlement fund is after you have collected COPR and you have landed in Canada. It is the fund you actually have with you (either in cash or otherwise) at the airport. You will be asked to show funds you came with. This could be cash, which must be declared, investment certificate, TBills, Cashier cheque etc. - now you can add Pension fund certificate and inform the officer that this fund will be credited to you soon even if you don't have the fund in your account. In this situation, you can even open your Nigerian account and show them your bank balances and tell them you are transferring your funds immediately you open a Canadian account. In some cases, customs don't ask for settlement funds, maybe they are tired for the day.

Thank you for your detailed analysis. Actually i intend to show 25% of my pension account balance as the POF. But with your explanation, i would have to increase my FD to 100% of the required POF. Thank you and God Bless.

Boss13:


HA!!! Then this is a problem. I still insist that the funds be liquidated immediately because of time. According to the OP, it is their money - they didn't borrow. To avoid much issues - just leave the money for 6 or 7 months, then apply.

Alternatively, if they are in a hurry - do gift deed. However, the essence is WHY!!! Why gift your wife money that belongs to you both. Like I said, do gift deed ensure other documents are okay without issue - they are good to go. Oh! Don't forget to use LOE to explain. You can say you and your spouse operate your finances separately so you are gifting her the money.

Let me just part of my money own is coming from my cooperative. My comparative is registered. What I intend to do is get a letter signed that the money belongs to me and all the the other things. I will also upload my payslips and my card which marks the deduction. My money hasn't been deposited yet but I feel like even if the money is deposited today and I print out my statement tomorrow am fine. And immediately my money is complete I am putting it in tbills. Cos the interest on it is necessary

optionese:


Well I didn't know this part of spouse can submit POF too. @ottawaboi be patient lets all deliberate on it for the next few days before you decide what to do.

Thanks am really grateful. your advises here have been immense, I am looking forward to your kind advises before i make up my mind.

optionese:


Well I didn't know this part of spouse can submit POF too. @ottawaboi be patient lets all deliberate on it for the next few days before you decide what to do.

Spouse of the primary applicant do not submit POF. The POF section in the document checklist will only be indicated for the Primary applicant. However, the statement of account that the primary applicant would submit can either have his/her name; the name of his/her spouse or a joint account in their names.

The POF should not be a joint account of the primary applicant with a 3rd party like for instance a sibling or a joint account of the spouse and a 3rd party maybe his/her father.

So if all the funds is in the spouse account. The primary applicant can just submit the bank statement of his/her spouse as POF. Rather than receiving a large sum of money and using gift deed. Marriage certificate is documentary evidence that you and your spouse are married. Affidavit for change of name indicates especially for women that you once bear a different name, when you were single, but now have another name.

Further questions won't be asked. So I was surprised when I read comments where husband's were transferring money to their wives, who is the primary applicant, and using a gift deed.

optionese:


Let me just part of my money own is coming from my cooperative. My comparative is registered. What I intend to do is get a letter signed that the money belongs to me and all the the other things. I will also upload my payslips and my card which marks the deduction. My money hasn't been deposited yet but I feel like even if the money is deposited today and I print out my statement tomorrow am fine. And immediately my money is complete I am putting it in tbills. Cos the interest on it is necessary

My first question is when are you applying. Second question, have you gotten ITA?

Good to know your Cooperative is registered. Get a letter from them, including all the documents you specified above.

I don't know, just my opinion, I don't think it's okay to then buy Tbills with this same money again. You can leave it in your account (just my opinion) especially if you intend to submit your application soon.

Boss13:


Spouse of the primary applicant do not submit POF. The POF section in the document checklist will only be indicated for the Primary applicant. However, the statement of account that the primary applicant would submit can either have his/her name; the name of his/her spouse or a joint account in their names.

The POF should not be a joint account of the primary applicant with a 3rd party like for instance a sibling or a joint account of the spouse and a 3rd party maybe his/her father.

So if all the funds is in the spouse account. The primary applicant can just submit the bank statement of his/her spouse as POF. Rather than receiving a large sum of money and using gift deed. Marriage certificate is documentary evidence that you and your spouse are married. Affidavit for change of name indicates especially for women that you once bear a different name, when you were single, but now have another name.

Further questions won't be asked. So I was surprised when I read comments where husband's were transferring money to their wives, who is the primary applicant, and using a gift deed.

But @ottawaboi has the POF in his and his wife's account. So are they submitting the two accounts?

Boss13:


My first question is when are you applying. Second question, have you gotten ITA?

Good to know your Cooperative is registered. Get a letter from them, including all the documents you specified above.

I don't know, just my opinion, I don't think it's okay to then buy Tbills with this same money again. You can leave it in your account (just my opinion) especially if you intend to submit your application soon.

Yes I have ITA, I would be credited with my cooperative moneyin June when salaries are paid) am a government worker) if I put my money in tbills and there is a further request for funds all I need to do is submit the tbills certificate that would suffice right ht?

optionese:


But @ottawaboi has the POF in his and his wife's account. So are they submitting the two accounts?

Yes nothing wrong in submitting two accounts. The only problem will be the document size. Because each document upload should not exceed 4MB, so they may have to compress the PDF file of their account statements and any other documents that support their POF.

Recall, in your EE profile, you would be asked - how much do you intend to come to Canada with. In this question column, you specify the amount you would be traveling to Canada with and then support this claim with official documents (POF). And when you land in Canada, you show them the fund (Settlement fund). Both remember that you must consider the minimum amount as indicated for your family size. So your POF/Settlement fund can be higher than but not below the minimum amount required for your family size.

Cheers!!!

optionese:

Yes I have ITA, I would be credited with my cooperative moneyin June when salaries are paid) am a government worker) if I put my money in tbills and there is a further request for funds all I need to do is submit the tbills certificate that would suffice right ht?

Okay which means you have less than or up to two months left to submit your application. I don't know what date in June you will be credited.

Now your wife can submit her 6 months statement of account. Go ahead and buy the Tbills for 6 months and attach the certificate as part of the POF. Now you don't need to submit your own statement of account.

Alternatively, since your Cooperative is registered and I don't know if your wife's Cooperative is registered. If her isn't registered. Let her buy the Tbills after she has liquidated and you submit your 6 months statement of account with the fund intact.

Submit your application close to expiration date and also print the account statement close to that date, but you would have already purchase the Tbills. In short you should have purchase the Tbills like yesterday. The reason I said print your statement close to the expiration date of your application is because it will show that the money has stayed at least for a month.

However, you may be asked to submit statement of account again in the future. This is to satisfy the VO that the money is still in your account. The TBill certificate already will show that you cannot withdraw the money till after 6 months - so this is good.

Whichever you choose, you MUST explain concisely your POF in your letter of explanation. You can even indicate that you do not have plans to withdraw your funds till you get COPR.

From IRCC website, it is clearly written that pof should be in the primary applicant account. So, I know what I am saying. However, that does not mean if the pof is in the spouse account, it won't be honoured.

Before you crucify me, are there not so many gift deeds that are done on borrowed funds? Gift deeds have been so over used. I won't be surprised if VOs stop the use of gift deeds.

What do you mean by concealment? If the VO wants more information, they can always request for new bank statements from the applicant to be sure the money is still there. I have seen application rejected with gift deed but I am yet to see applications that were rejected when the spouse transferred funds to the PA's account. They genuinely have the fund, so why should they use gift deed?

Did you even take your time to read my post? Did you see my question on if the cooperative is registered?

I have given my advice. It is not by force that it has to be taken.

I rest my case!!

Boss13:


What you just explain here is the reason VOs cast doubt on lump sum. What is the essence of a husband transferring money to the wife and then support with gift deed? That's why Accra VOs frown so much with Nigerian applications.

The question the VO will ask is - why can't the husband just submit his statement of account because POF can be in the name of the spouse of primary applicant.

Your advice shows concealment. A gift deed can protect such concealment but it opens the applicants to intense scrutiny and delay in processing their application.

I will only recommend your advice if his Cooperative isn't registered and further add that ALL their documents must proofread multiple times for errors because one slight error leads to ADR and further delay.

Boss13:


Okay which means you have less than or up to two months left to submit your application. I don't know what date in June you will be credited.

Now your wife can submit her 6 months statement of account. Go ahead and buy the Tbills for 6 months and attach the certificate as part of the POF. Now you don't need to submit your own statement of account.

Alternatively, since your Cooperative is registered and I don't know if your wife's Cooperative is registered. If her isn't registered. Let her buy the Tbills after she has liquidated and you submit your 6 months statement of account with the fund intact.

Submit your application close to expiration date and also print the account statement close to that date, but you would have already purchase the Tbills. In short you should have purchase the Tbills like yesterday. The reason I said print your statement close to the expiration date of your application is because it will show that the money has stayed at least for a month.

However, you may be asked to submit statement of account again in the future. This is to satisfy the VO that the money is still in your account. The TBill certificate already will show that you cannot withdraw the money till after 6 months - so this is good.

Whichever you choose, you MUST explain concisely your POF in your letter of explanation. You can even indicate that you do not have plans to withdraw your funds till you get COPR.

*tickles* am a "She " and a single mum. Will take your advice on how to go forward. I got ITA in April, then I reject it but I got a new one today I have received my email about an hour ago.

dupyshoo:
From IRCC website, it is clearly written that pof should be in the primary applicant account. So, I know what I am saying. However, that does not mean if the pof is in the spouse account, it won't be honoured.

Before you crucify me, are there not so many gift deeds that are done on borrowed funds? Gift deeds have been so over used. I won't be surprised if VOs stop the use of gift deeds.

What do you mean by concealment? If the VO wants more information, they can always request for new bank statements from the applicant to be sure the money is still there. I have seen application rejected with gift deed but I am yet to see applications that were rejected when the spouse transferred funds to the PA's account. They genuinely have the fund, so why should they use gift deed?

Did you even take your time to read my post? Did you see my question on if the cooperative is registered?

I have given my advice. It is not by force that it has to be taken.

I rest my case!!

Dupsy I don't think he meant any harm.

optionese:

*tickles* am a "She " and a single mum. Will take your advice on how to go forward. I got ITA in April, then I reject it but I got a new one today I have received my email about an hour ago.

Did you reject ITA because you wanted POF to stay long enough in your account?

na wa oo, will the scores ever drop to at least 405. this wait is killing!!! with their new policy coming in June there is tendency that the scores will rise.

ottawaboi:
Did you reject ITA because you wanted POF to stay long enough in your account?

Yes and also my cooperative is dropping my funds in June and my first ITA would expire July 10th wanted room for the money to breathe in my account or if there is delay. It's cooperative for government workers and sometimes there are delays.

optionese:


Yes and also my cooperative is dropping my funds in June and my first ITA would expire July 10th wanted room for the money to breathe in my account or if there is delay. It's cooperative for government workers and sometimes there are delays.

sory for me being too inquisitive, I thought you said you rejected the first ITA, are u saying that its your second ITA that is expiring in July? Throw some light

Good day fams,

Please which is the fastest for ECA between WES and IQAS for B.Sc Economics Education?

Kindly advise.

God bless

ottawaboi:
sory for me being too inquisitive, I thought you said you rejected the first ITA, are u saying that its your second ITA that is expiring in July? Throw some light

I got my ITA today. The first one would have expired july 10th.Ask as many questions as you want to help you make and take the best decisions.

grammy010:
Good day fams,

Please which is the fastest for ECA between WES and IQAS for B.Sc Economics Education?

Kindly advise.

God bless

Both have the same risk right now.

optionese:


Yes and also my cooperative is dropping my funds in June and my first ITA would expire July 10th wanted room for the money to breathe in my account or if there is delay. It's cooperative for government workers and sometimes there are delays.

Very good decision.

dupyshoo:
From IRCC website, it is clearly written that pof should be in the primary applicant account. So, I know what I am saying. However, that does not mean if the pof is in the spouse account, it won't be honoured.

Before you crucify me, are there not so many gift deeds that are done on borrowed funds? Gift deeds have been so over used. I won't be surprised if VOs stop the use of gift deeds.

What do you mean by concealment? If the VO wants more information, they can always request for new bank statements from the applicant to be sure the money is still there. I have seen application rejected with gift deed but I am yet to see applications that were rejected when the spouse transferred funds to the PA's account. They genuinely have the fund, so why should they use gift deed?

Did you even take your time to read my post? Did you see my question on if the cooperative is registered?

I have given my advice. It is not by force that it has to be taken.

I rest my case!!

Good people, i appreciate you guys. Both my cooperative and hers are registered. Its a tight call for us i must say, hence all my plenty questions.

Still looking up to your advises, i believe this forum was set up to assist people because my situation is case specific given that the funds are yet to be in , liquidating all will mean several bulk sums and i have to tackle it the best way i can and let God do his part.

optionese:


I got my ITA today. The first one would have expired july 10th.Ask as many questions as you want to help you make and take the best decisions.

Oh i see. I wish i could wait, but i cant as wife will loose some points by virtue of age if we dont act fast. Hence, am asking for answers from the gurus themselves.

So many things wrong with this response in my opinion. The spouse can and i advise should transfer the funds to his wife who is the PA. He ony needs to write a letter of explanation that he did so to assist in meeting the funds requirement for their family size. To further support this,
he can opt to include his work history and reference letter under the employment section of his own form during eAPR just to show that he earns an income however this is not compulsory. The PA should submit her 6 months' bank account statement and any evidence the cooperative can provide to show how long the funds she invested with them were held for and so on. The spouse does not need to provide any evidence from the cooperative.
The PA should use her international passport as it is and should not use any 'new name' or fill any other name anywhere else as there is no evidence of such a name on any of her documents. A marriage certificate suffices to show prooof of relationship to her spouse.

Boss13:


POF can either be in the name of the primary applicant or in the name of the spouse. Nothing wrong in POF being in your name. No need to transfer to your wife.

Please note that this is just my opinion. The supposed problem with your POF is your cooperative, because the VO will need to confirm objectively that you have the money you claimed in your application and I do not know how your cooperative will satisfy that. You can either get a certificate from your cooperative after you liquidate the funds to show when the investment was made and when it was liquidated. This can assist the VO to form an opinion that the money in your statement of account is actually from your cooperative. Also, like I said previously, no need transferring the money again to your wife. It may appear you are trying to conceal something. Please note that I said, it may appear. Then you can explain your proof of funds in your letter of explanation. And if you can liquidate this cooperatives investment today, please do, but get the certificate and letter from them and also hope your cooperative is registered.

On your wife's international passport, she has two choice - wait next year to get a new one or apply with the old one. Also, the name on her passport must be the same on her application. There is a section for applicants who have other names - she can then put her new name there. Then support with marriage certificate, affidavit and newspaper column for change of name.

GFavor:
Hello Gurus in the house, for the POST ITA issues, i will suggest we have a page on this thread that has the steps for Post ITA just like Zandora did with page 0 for Pre ITA. This way anyone that has a question on Post ITA will be referred to this page, then come back and ask specific questions. This Post ITA page should contain what to look out for, putting your docs together, snapshots, pdf tips etc. It should also have the meanings of all those abbreviations COPR,AOR, etc.
I know it will be time consuming but pls gurus in the house lets put heads together so people don't keep clamouring for a seperate thread Post ITA.
@ Vcole, Dupsyshoo, Elfmann, Cala, Zandora etc over to u.

Sorry i will not be able to contribute as we are still in the pool. Hubby is the PA, we have been on this since 2015. All information we needed we got from this thread. I have never asked any question because i always visit the thread and pick solutions from responses. I started from page 0. Hubby is not so keen so i have to en courage him from what i read from here. His profile is better.

Sorry for my long epistle. God will help everyone on this canadian dream. Let us keep this thread alive.

Bro, go ahead and create it.