PLEASE I NEED HELP URGENTLY
My AOR is 25th May 2018 FSW-Outland and my case is being processed in London Visa office. On 5th September VO sent me a correspondence letter stating the following:
To demonstrate that you possess the funds required under paragraph 76(1)(b)(i) of the Regulations, you have provided a bank letter and history indicating that you had a total of 1 505 998 PKR on May 24, 2018. According to your banking history, this sum was made mostly of two recent deposits. The first one, 800 000 PKR, was made on May 14, 2018, and came from your brother as a gift. The second one, 700 000 PKR, on May 22, 2018, was made from the sale of a house owned by you and your husband that you had previously purchased in February 2017 for the sum of 500 000 PKR.
According to your explanations, the total of 1 505 998 PKR equalled approximately 16 600 CAD when you submitted your application. You wrote a letter to IRCC in July 2018 stating that the sum had now gone below the required funds of 15 331 $ at that time. At the time of writing this letter, the exchange rate would equal approximately between 16 112 CAD (as per www.xe.com) and 15 979 CAD (as per www.oanda.com).
Nevertheless, the documents you provided did not demonstrate the provenance of any of these funds. There is no evidence that you and your husband have been able to accumulate 500 000 PKR to purchase a property in February 2017 giving your modest income and your current banking history which does not show any history of fund accumulation between October 2017 and May 2018. There is no evidence of where the funds transferred from your brother come from as well. Furthermore, I take note of the fact that the salary slips of your husband mentions that he took a loan from his employer which, in April 2018, was still valued at 75 000 PKR. By subtracting 75 000 PKR from 1 505 998 PKR, you would currently not meet the requirements of paragraph 76(1)(b)(i).
As a result, I am currently not satisfied that you possess in the form of transferable and available funds, unencumbered by debts or other obligations, an amount equal to one half of the minimum necessary income as required under paragraph 76(1)(b)(i).
Before I make a final decision, you may submit additional information relating to this issue. You have 30 days from the date of this letter to submit additional information to me.
Now against his objections, I have drawn bank statement of my husband's salary account. He receives quarterly incentives from his company which are reflected by his payslip as well as bank statement. His incentives from our marriage date till we bought the plot are 755,930 in total from which we could easily buy the plot of 5,00,000. But no bank history shows our savings, we saved them in cash. Apart from it I have been withdrawing my salary too and saving it in cash.
My brother runs his own business but he is non tax filer. He gifted me 8,00,000 by withdrawing money from his business + his savings.
And the loan of 75000 (shown in April) has now lessened to 55000/-
Currently I maintain a bank balance of 15,96,000/- PKR which is much more than the balance shown at eAPR (15,05,998/-)
Please guide me how to answer VO's objections. We have no documents or bank history of money accumulation. But we have the proof that we earned this much money. Actually we have been saving in cash just to avoid withholding tax (as tax is already deducted from our salaries)
I would be much grateful for your kind help. Please do respond my query.
My AOR is 25th May 2018 FSW-Outland and my case is being processed in London Visa office. On 5th September VO sent me a correspondence letter stating the following:
To demonstrate that you possess the funds required under paragraph 76(1)(b)(i) of the Regulations, you have provided a bank letter and history indicating that you had a total of 1 505 998 PKR on May 24, 2018. According to your banking history, this sum was made mostly of two recent deposits. The first one, 800 000 PKR, was made on May 14, 2018, and came from your brother as a gift. The second one, 700 000 PKR, on May 22, 2018, was made from the sale of a house owned by you and your husband that you had previously purchased in February 2017 for the sum of 500 000 PKR.
According to your explanations, the total of 1 505 998 PKR equalled approximately 16 600 CAD when you submitted your application. You wrote a letter to IRCC in July 2018 stating that the sum had now gone below the required funds of 15 331 $ at that time. At the time of writing this letter, the exchange rate would equal approximately between 16 112 CAD (as per www.xe.com) and 15 979 CAD (as per www.oanda.com).
Nevertheless, the documents you provided did not demonstrate the provenance of any of these funds. There is no evidence that you and your husband have been able to accumulate 500 000 PKR to purchase a property in February 2017 giving your modest income and your current banking history which does not show any history of fund accumulation between October 2017 and May 2018. There is no evidence of where the funds transferred from your brother come from as well. Furthermore, I take note of the fact that the salary slips of your husband mentions that he took a loan from his employer which, in April 2018, was still valued at 75 000 PKR. By subtracting 75 000 PKR from 1 505 998 PKR, you would currently not meet the requirements of paragraph 76(1)(b)(i).
As a result, I am currently not satisfied that you possess in the form of transferable and available funds, unencumbered by debts or other obligations, an amount equal to one half of the minimum necessary income as required under paragraph 76(1)(b)(i).
Before I make a final decision, you may submit additional information relating to this issue. You have 30 days from the date of this letter to submit additional information to me.
Now against his objections, I have drawn bank statement of my husband's salary account. He receives quarterly incentives from his company which are reflected by his payslip as well as bank statement. His incentives from our marriage date till we bought the plot are 755,930 in total from which we could easily buy the plot of 5,00,000. But no bank history shows our savings, we saved them in cash. Apart from it I have been withdrawing my salary too and saving it in cash.
My brother runs his own business but he is non tax filer. He gifted me 8,00,000 by withdrawing money from his business + his savings.
And the loan of 75000 (shown in April) has now lessened to 55000/-
Currently I maintain a bank balance of 15,96,000/- PKR which is much more than the balance shown at eAPR (15,05,998/-)
Please guide me how to answer VO's objections. We have no documents or bank history of money accumulation. But we have the proof that we earned this much money. Actually we have been saving in cash just to avoid withholding tax (as tax is already deducted from our salaries)
I would be much grateful for your kind help. Please do respond my query.
