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If the bank refuse to give any letter than you can attach the original letter that you got at the time of opening of account if available. But in any case Its very strange that the bank has refused to give you a balance confirmation with account opening date and type of account etc. they will...

The basic rule is to provide them maximum supports available. if any document is missing, Explain in the LoE. but look for critical documents like experience certificates / Bank Statements/ Police Certificates etc. They may reject it straight away without even asking. Make your case as...

If you have not yet submitted. Better change it and do it the way they ask.

After ITA, only mention what you can prove with the supporting document. I think if your overall score is above the minimum Score of the ITA draw then They wont bother. But still if they raise a query, you may explain to them that you put it by mistake.

Get the stamped bank statement for six months PLUS the balance confirmation on bank’s letter head with all the required details like account opening date, title etc

It should be as recent as possible before you submit ur application .. in anycasw it should be after you’ve received the ITA

Submit the FD transfer documents to prove the transadtion.. and get a NOC signed from ur wife for the use of FD and the joint bank account for CIC. An NOC is sufficient For transactions between Accompanying spouse..

No online bankstatement wont work

No stamped bank statement would be required with a balance confirmation on bank’s letter head. Another way to do it is you give it to ur mom /dad and then get it transfered to ur account and make a legal gift deed to justify the sudden credit

Ideally you should disclose it.. since its a liability Just submit the credit card statement .. if u r not using it so the balance would be zero.. wont affect anything

I am afraid no... because the money trail wont be proved

If you have to submit anyways then explain fully in the LoE.. obviously with a proper reason .. not the one like u cant bring in the funds due to revenue department

Any sudden credit within the last six month will require an explanation and proof of the source.. My suggestion would be to submit the statement starting after you deposit the money ... for eg if you deposit in january, submit the statement starting from feb onwards.. Delay the submission of...

It should be reasonable .. i think if ur minimum required is 12k then u should have atleast 10k for more than 3 months prior to submission with no big credit.. the remaining you can show out of savings

If it wasnt the joint bank account of ur mom and wife but only ur accompanied wife then merely a LoE and an NOC would have suffice.. But in ur case u should get the funds in ur account and get a proper gift deed from both ur mother and wife

Mate the point is that you are making a declaration to cic that you have the minimum funds required .. otherwise u r not eligible for applying under FSW on the first place.. Cic need u to disclose all ur liabilities so hiding it is nor recomended at all .. it may lead to more severe...

Yes organic savings are fine

Unless there is a sudden big credit and the increase would be out of savings .. i think it would be fine since you already have 80% of the funds for more than 6 months

That equivalence is not acceptable by CIC. you have to get the equivalency from WES or other credential Assessment body.

Hi 1. you just need to make sure that when you submit the POF after you get the ITA, your balance should be more than 12,300 CAD Net of any liabilities/loans/mortgages. If you are confident enough that you'll repay the loan by that time than no issue. 2. Yes, for a suddent credit in your...