Additional documents required for study permit - proof of funds

[maryam017]

Hi!

I applied for my study permit in October 2022. For my proof of funds document, I attached my father's bank statement along with papers for a property we own and have on rent. My parents transferred whatever savings they had and the money they borrowed from someone for this "proof" to my mom's bank account and then to my father's bank account.

But I just got a letter that is requesting my mom's bank statement from the past 3 months to be submitted within 10 days. I will submit it but the statement shows that that person transferred money to my mom's account. How do I explain that on my application? Any help will be greatly appreciated. Thanks!

 

[wakongah]

Your parents shouldn’t have done that. IRCC asks for a few months bank statements because they don’t want people making bulk deposits only to return the money as soon as a visa is issued.

Others may disagree but my advice would be to not attempt to make up a fake explanation for this as they already have suspicions on your proof of funds and you’d be digging a deeper hole for yourself by doubling down. You may be facing a five-year ban for misrepresentation.

 

[maryam017]

Your parents shouldn’t have done that. IRCC asks for a few months bank statements because they don’t want people making bulk deposits only to return the money as soon as a visa is issued.

Others may disagree but my advice would be to not attempt to make up a fake explanation for this as they already have suspicions on your proof of funds and you’d be digging a deeper hole for yourself by doubling down. You may be facing a five-year ban for misrepresentation.

what would you suggest I do?

 

[Naturgrl]

Hi!

I applied for my study permit in October 2022. For my proof of funds document, I attached my father's bank statement along with papers for a property we own and have on rent. My parents transferred whatever savings they had and the money they borrowed from someone for this "proof" to my mom's bank account and then to my father's bank account.

But I just got a letter that is requesting my mom's bank statement from the past 3 months to be submitted within 10 days. I will submit it but the statement shows that that person transferred money to my mom's account. How do I explain that on my application? Any help will be greatly appreciated. Thanks!

You have to explain where the money came from and why as it was "dumped" into the account. Don't lie.

 

[wakongah]

Honestly, I don’t know.

One idea would be to let them refuse you for failing to submit ADR then reapply. At least you won’t get a PFL. This was just the first idea that popped in my head, and may be terrible advice so let’s wait for more knowledgeable or experienced members to give their advice.

 

[Geet7]

Hi!

I applied for my study permit in October 2022. For my proof of funds document, I attached my father's bank statement along with papers for a property we own and have on rent. My parents transferred whatever savings they had and the money they borrowed from someone for this "proof" to my mom's bank account and then to my father's bank account.

But I just got a letter that is requesting my mom's bank statement from the past 3 months to be submitted within 10 days. I will submit it but the statement shows that that person transferred money to my mom's account. How do I explain that on my application? Any help will be greatly appreciated. Thanks!

Probably they asked for your mom's bank statements because they believe your parents didn't really had the money, but they maybe borrowed it to fulfill the funds requirement for your application. They are literally "following the money". It seems the issue is you declared those were funds from your parents when in fact, they are borrowed funds. Lying would be a terrible idea so I think you have to be strategic as to how you explain the situation and make sure you have supporting evidence in case the request further documentation.

The main issue was that you did not declare those funds as borrowed, so now IRCC may consider your application as fraudulent if things don't add up. As @wakongah said, these are just opinions, hopefully more people can tell you what they think...

 

[maryam017]

You have to explain where the money came from and why as it was "dumped" into the account. Don't lie.

The money is from my uncle and if we ever need help, he lends us a big amount which we return over the course of a few months (sort of like a savings committee) but I didn't mention any of that in my original application.

 

[Naturgrl]

The money is from my uncle and if we ever need help, he lends us a big amount which we return over the course of a few months (sort of like a savings committee) but I didn't mention any of that in my original application.

So in your application, you showed the funds as your parents but in fact, the funds are not your parents. So you lied on your application. They borrow money and don’t have the income. IRCC is conducting an audit of your funds. You now need to come clean and state where the funds come from.

 

[michaelofficial123]

Hi!

I applied for my study permit in October 2022. For my proof of funds document, I attached my father's bank statement along with papers for a property we own and have on rent. My parents transferred whatever savings they had and the money they borrowed from someone for this "proof" to my mom's bank account and then to my father's bank account.

But I just got a letter that is requesting my mom's bank statement from the past 3 months to be submitted within 10 days. I will submit it but the statement shows that that person transferred money to my mom's account. How do I explain that on my application? Any help will be greatly appreciated. Thanks!

Hi! When in October did you apply?

 

[canuck78]

Come clean and show the source is your uncle and that he has a large amount of savings. He should submit proof of his account.