tommee:


Hello Bro,

I sent you a mail, really really sorry to bother you

10shuare:
Somebody pls help me o I am so confused right now and don't know what to do. I was denied my Canada study permit. Reasons:
Insufficient funds without working in Canada to pay tuition fees, to maintain myself and to transport myself . I applied through maple education as my agent. But my agent now is saying even if am applying again I cannot use my Jan admission letter. I have to defer to get may admission letter to apply again because of d tym. And am 25 now and will be 26 next yr. A family friend is sponsoring me with 8million in his account. My school fees is 4million other expenses is about 3.5million. Tho I didn't pay any of my fees when I applied before. Pls wat should I do?

Again my agent gave anoda suggestion to apply to hungary to get a student visa nd i resume in jamuary to do nursing which is my choice of course because I was given biology in my previous admission to Canada.

Pls which step should I go with. Should I wait for Canada or go with Hungary?

olalives:
What exactly do ylou need?

10shuare:
Somebody pls help me o I am so confused right now and don't know what to do. I was denied my Canada study permit. Reasons:
Insufficient funds without working in Canada to pay tuition fees, to maintain myself and to transport myself . I applied through maple education as my agent. But my agent now is saying even if am applying again I cannot use my Jan admission letter. I have to defer to get may admission letter to apply again because of d tym. And am 25 now and will be 26 next yr. A family friend is sponsoring me with 8million in his account. My school fees is 4million other expenses is about 3.5million. Tho I didn't pay any of my fees when I applied before. Pls wat should I do?

Again my agent gave anoda suggestion to apply to hungary to get a student visa nd i resume in jamuary to do nursing which is my choice of course because I was given biology in my previous admission to Canada.

Pls which step should I go with. Should I wait for Canada or go with Hungary?

Demills:
Hello Everyone.

Am a prospective Undergraduate student of Memorial University of Newfoundland,Canada.

Have submitted all the necessary supporting Documents to the School but having a problem with the English Language Proficiency Test Score since my TOEFL IBT Test Score was not up their minimuim required score.

Please can someone tell me what will be my fate if i will be admitted or not?

Please i need advice from those who have gone through such suituations both those in MUN present and those in naija.

THANKS and awaits your advices and answers.

Jideola3:
Good evening guys!
Ive been following the posts on this thread for a while now. I am really impressed by the desire shown to help one another. I am still learning the ropes. I would come up with my questions as soon as I start my application

In the interim, someone should please enlighten me. I do
not know if the requirements for trv have changed. A friend's agent said it is necessary for him to have a one-way ticket and accommodation booked for his visa processing. Please how true is this. Maybe the agent is not processing a student visa or he's fake.

Crownny86:
I don't plan taking my wife to serve as part of home ties, but if it will increase the chances of approval I will.
Also, I am not really bent on academics with my years of experiences in HR, also I graduated with 2.2 hence going for a professional path of study with PGD.

tommee:
Hello Gurus,

Good Evening,My 1 year tuition is 15,445CAD for a 2year PGD intended study i was delayed 30th of last month for with all financial boxes ticked so i applied immediately for my GCMS note. After seeing the notes i think my case is a clear example of V.Os not checking all documents submitted please i really need your input and advise because i want reapply immediately. Apart from paying the tuition fee balance for 1year what other things do you think i can add to tackle this denial. Please see attached GCMS note stating Lump sum from an unknown source and below the history of the financial statement submitted.

Sponsor Mum
GT Bank - 7.8 million (Mum received rent of 4.6 million in July for a whole building she letted out to a school she also paid 7,500 CAD half of 1 year tuition in August
UBA- 2.3 million (her salary account with monthly income of 285,000)

My Bank Statement
GT Bank- 2.5 million (Mum transferred 1.5 million to me and she stated it in the letter addressed to V.O)

Please note that i included rent receipt of the 4.6 million and all documents of the building but obviously the V.O did not check the document and still denied me on lump sum from an unknown source. The v.O also stated i included a third party sponsor which is false. There two statement from my mum and my GTBank LOA

osento:
4.6 mll inflow from a building in a month, bro this VOs are not kids, the VO simply knew you tried building you account because of the visa application, that's why I think he said lump sum.in a month such an inflow. To me its questionable ...just my succession ...tnx

10shuare:
Somebody pls help me o I am so confused right now and don't know what to do. I was denied my Canada study permit. Reasons:
Insufficient funds without working in Canada to pay tuition fees, to maintain myself and to transport myself . I applied through maple education as my agent. But my agent now is saying even if am applying again I cannot use my Jan admission letter. I have to defer to get may admission letter to apply again because of d tym. And am 25 now and will be 26 next yr. A family friend is sponsoring me with 8million in his account. My school fees is 4million other expenses is about 3.5million. Tho I didn't pay any of my fees when I applied before. Pls wat should I do?

Again my agent gave anoda suggestion to apply to hungary to get a student visa nd i resume in jamuary to do nursing which is my choice of course because I was given biology in my previous admission to Canada.

Pls which step should I go with. Should I wait for Canada or go with Hungary?

jnyuwa02:


These statements made suffices as an explanation as to the origin of the lump sum and you may ask for a reopening of your case. Make sure to quote in verbatim the same statement you made before explaining the lump sum that you think the VO missed. Send an email to Accra with subject, "motion to reopen case based on error of fact." Then proceed to explain in body of email the factual error missed by the CAC, appealing graciously and respectfully that your case be reopened and reconsidered. Don't introduce any new evidence. Just a statement of explanation will do. Good luck!

tommee:


Hi @jnyuwa02,

There was no part where the sponsor letter or my SOP specifically mentioned 4.6mill because there were various lodgment in the account we printed 6 months from march to august and in march there was a lodgment of 2mill in may there 1.8mill and then july the 4.6mill the lodgment comes in annually and theres a line in the sponsor letter that states this. i never taught the V.O will see it as lump sum. I also attached every rent receipt that was paid into the amount from march to august from as low as 250k to 750k till it got to the 4.6mill please see below lines from the sponsor letter that is pointing to the rent do you think the below is enough to re-open my application and what are the procedure to re-open app....

thesoj:

If you aren't 100% sure that your sources of lumps sums were explained in your SOP or your sponsor letter, then go back and check again so that you can fix it in your next app or however you plan to get CIC to reopen your app.

As a rule of thumb, always keep in mind that VOs are not mind readers. If an important part of your application is ambiguous and up to arbitrary interpretation, then best believe that the VO's decision may not favor you.

Once again, sorry about the visa refusal.

tommee:
Hi, Please can you share the email address of accra and probably assist with a format of how the mail should go
Regards

thesoj:

Forgive me for being blunt, but you can't blame the VO for not understanding the source of the lumped sums given that you didn't explain it to them. It is not reasonable to expect the VO to make the connection between your rent receipts and the lumped sums in your account(s), especially given that you probably had a ton of other financial documents that they had to look through and make sense of. You need to tell the VO exactly what you want him/her to know. VOs aren't mind readers.

I personally think that the job of a VO is boring, and s/he won't rack her brain to make sense of your application if you don't help him/her help you. Apologies if I sound rude, because I don't mean to. Hope this helps.

jnyuwa02:

You give VOs too much credit and goodwill. When the fact of the matter is that many of them do such a shoddy work reviewing people's application. From so many application of people I have seen, it is abundantly clear to me that VOs don't take the time to carefully review the totality of the evidence before them and read carefully people's letter of explanations. In so doing, they miss vital information and deny an application that otherwise should have been granted. Sometimes I wanna shout foul and charge them with dereliction of duty were it possible. In the present case for example, they stated that he seemed to be sponsored by "himself, a parent or third party." This tires me. Which one is it? A straight look at the column on the form that asks the question of who will be responsible for his educational expenses, should have given the VO a clue or the answer to who exactly is sponsoring the candidate. See what I am talking about?

osento:
4.6 mll inflow from a building in a month, bro this VOs are not kids, the VO simply knew you tried building you account because of the visa application, that's why I think he said lump sum.in a month such an inflow. To me its questionable ...just my succession ...tnx

jnyuwa02:


Personally I don't see anything wrong in a yearly rental of 4.6 million to come in within a span of a month before applying.

abestine:


That isn't true... I haven't read or come across any post where it is a requirement for book flight and accommodation... Maybe someone else that have seen such came back your agent up... Ire o!

osento:
Bro such an in flow has not been noticedbin the history of that account, suddenly a huge inflow of 4.6m just paid in a month, that was the VO point of attraction...he never noticed such huge in flow in that account for previous month, that was what raised a red flag.. That is what I think...thanks.

thesoj:

I'm sorry for your visa denial.

Based on your question in bold, I would encourage you to not make a desperate decision.
A student visa denial solely based on insufficient funds is probably the most solvable denial possible.
To be blunt, Canada would be a better decision than Hungary.
But if you don't have the funds to go to Canada, then go to Hungary or wherever you can afford.

The main issue with your Canada app is that you applied using a family friend sponsor and VOs (visa officers) are usually skeptical because third-party sponsors aren't necessarily credible. A more credible sponsor is your dad or mom or even sibling. When your sponsor isn't a parent then you need to be extra convincing that the sponsorship is credible. One way to show credibility of sponsorship is for the third-party sponsor to pay your one-year tuition (attach the receipt to your visa application) and also deposit the CIC minimum living expenses amount to an account in your name (USD equivalent of 10,000CAD transferred to a dom account in your name); you would also attach this evidence.

This thread has discussed the "insufficient funds" topic over and over. I'd recommend you don't make a desperate decision. My advice is that you should ditch your agent and apply by yourself next time. For more info, read this thread from page 0 of Part 13; I know it sounds daunting but you will be making this minimal investment for your future. The returns on that investment are very high. (Also, read my several posts on this page about addressing insufficient funds denials.)

osento:
Bro such an in flow has not been noticedbin the history of that account, suddenly a huge inflow of 4.6m just paid in a month, that was the VO point of attraction...he never noticed such huge in flow in that account for previous month, that was what raised a red flag.. That is what I think...thanks.

Sharles:


How can one see the 4.6m inflow when the payment comes yearly and you any use 6month statement of account.

osento:
What I mean by that was, for the 6minths SOA such a high inflow was not recorded,and just 1month to submission of application ,you had an inflow of 4.6m and he submitted 7.8m. To me I won't pull such stunt,
you simply gave the VO more attention to your SOA.. To me its really questionable... And u going ahead to clarify it, it shows a sign of something is fishy ... Start building your account prior to the 6months showing steady inflow and outflow.. To me that lump sum messed up the whole process.