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Excuse me, I would like to clarify this: Is it possible that I have been banned and not been notified in the refusal letter?

No, it doesn't says anything about a ban. The letter states exactly this: Thank you for your interest in studying in Canada. After careful review of your study permit application and supporting documentation, I have determined that your application does not meet the requirements of the...

It says: "You are welcome to reapply if you feel that you can respond to these concerns and can demonstrate that your situation meets the requirements. All new applications must be accompanied by a new processing fee." at the end. I don't know if that means that I was not banned, it seems like...

Please I need an opinion/suggestion, what should I do?

Hello, I've applied for the student visa (the study permit) two times and I have been refused both of the times, the first refusal letter was because of this reasons: • Pursuant to paragraph 220(a) of the IRPA, I am not satisfied that you have sufficient and available financial resources...