momad said:
guys,
lets pull back and take it a little slow.
we first have to get an official rejection notice, while i am not convinced that the email is an official communique - others may have a different opinion - this is just my suggestion.
during this time we can begin drafts.
i may know someone who may be willing to help draft a good letter. this person is not a lawyer though- i would prefer a lawyer drafting the letter. others too give it a try.
i would urge you not to send it too early. but it is up to you.
Hi everyone
A lot of discussion and blame game is there.
I am not saying that you cannot put your point of view on any agreement or disagreement but i know that challenging the authenticity of ny person until and unless u have proof is wrong.
Any ways the main point what I would like to tell you is that as I have reported earlier on this forum that I went to my bank to know the status of my BD and they have told me earlier that my BD was reported on 15th of july by the receiver general of canada. as many of the members commented that it cannot be correct as my application was received on 14th july itself.
Today after these discussion going on the forum I went again to the bank and told them the development and asked them to recheck my BD status and as the last time it happened he showed me the window on his computer unlike before I was more careful in reading all the details of the status-
i checked-
My name, date of issue of BD , name of the bank, BD no.. and amount.
Now at the bottom of all these details there was a sentence and i will spell the exact sentence- Reported on 07/15/11.
I said that explain me the procedure he told me that the day we make the BD we take that money out ( the value of the draft + fee) from your account and put it in the treasury account which is called suspense account.
Now when u send the draft to the recipient he has to produce to the branch of issuing Bank now as soon as he produces to the branch ( in my case it is HDFC from India and they have tie up with Bank of Nova Scotia in Canada) the branch reports it to the issuing port that time and day is reported as reported at xxxx date. now the bank takes it for clearing which normally takes around 21- 25 working days to report as en-cashed.
Now I asked that the money is lying with your bank can they dishonor if they don't have the money with them or delay in transfer is there ( i knew t was a silly question but due to all this development i m thinking on each and every angle which can be possible) any ways he laughed on my question and said BD is as goo as cash and when we tie up with a bank abroad there are certain arrangements between us and it is not the matter of money lying in whose account it is the recognition of each and every transaction which would generally happen in our own branches.
Now I said that as u said that it takes 21- 25 working days to en-cash than u might have en-cashed it as it is more than that now. He told me as it is a retail branch we don't have a access to treasury account.( I got all this details as the branch manager is my friend). He said that be rest assured that your BD is encashed.
Now some calculations If the bd is encashed and cap has reached and application returned-
Approx 30 cad to make a new BD to return
approx-15 cad if couriered through regular mail.
Total- 45 cad per return application.
as stated they received 500 application till 8th now cap filled date is 22nd july around 45 days say at this speed they might receive 40 application / day (least) * 45 days =1800 applications lets assume 800 are cc
so 800*15 cad (only courier) = 12000 CAD
Now 1000*45 ( courier + BD making charges)= 45000 CAD
Total - 57000 Cad to the least assumption.
Now tell me what is the outcome of this exercise who pays this money. yes u r right the government and only the government and whose money tax payers will the tax payers just sit and watch.
Now for the people whose application are returned-
A- they might have paid by credit card.
B- Incomplete document
If they reply you that your document was incomplete and returned back u will write to them that which document was incomplete.
now they reply x document
u reply I have rechecked and its fine tell me whats the problem
they reply y are the problems.
then again so on and so forth now when the cap has reached they would think that what is the point of argument on the incomplete document as the cap is full and even u rectify it and send it makes no sense. . better standard reply as the cap is full we are returning it back it is never said that your application was received after the cap was full so we are returning it back.
Guys please comment.