hi
@legalfalcon,
Could you help me with the below (possibly complicated) query:
My timeline:
AoR: 27th April 2018
Married on 1st May and contacted CIC about the change around last-may 2018.
ADR for adding spousal kit: Late June 2018.
Submitted documents related to spousal kit: August 1st week 2018.
GCMS notes orders: 14th Nov 2018.
IP2: 6th Dec
ADR2: Wifes PCC - 12th December
Submitted ADR2: 17th December.
GCMS notes received: 17th December.
Notes are dated 19th Nov (which means before it moved to IP2)
ADR went back to NA the very next day.
So I had applied for GCMS notes in Nov 2018 because my AOR was 27th April and my application was still stuck on "reviewing additional docs" since late July 2018 when I had submitted docs for adding my spouse (I got married in May 2018, after AOR).
However, before I received my GCMS, my application moved to IP2 on December 6th and then I got an ADR for my wife's PCC on 12th DeI received my GCMS last week and it was dated 19/11/2019 which is BEFORE my application moved to IP2.
And this is what it said:
ASSESSMENTS
Eligibility:
Review Required
Security:
Not Started
HIRV:
Criminality:
Not Started
Org Crime:
Medical:
Passed
Misrepresentation:
Info Sharing:
Complete
Other Reqs:
Final:
Notes:
NOTES: 10
Created Date: 2018/05/16 13:53:33
Created By: LJ9131
Updated Date: 2018/05/16 13:53:39
(this was before I updated CIC on my marriage and before I added my wife's documents FYI)
Updated By: LJ9131
Restricted: No
Label: EE Eligibility
Office: Centralized Intake Office
Text:
*** 11.2 AGENT REVIEW*** Lock-in Date: 2018-04-27 _E001013154 PA: AHLUWALIA, GAURAV INDRAJIT - EE FSW Having analyzed this application based on the documents submitted by the applicant and the information contained in the file, I make the following recommendation.
------------------------------------ Ml 3 A11.2: Review Required R75: FSW MINIMUM REQUIREMENTS - Appears Met R76: SELECTION CRITERIA - FSW
POINTS/Funds: Review Required FSW points total: 70 RPRF: Complete
SETTLEMENT FUNDS: Review Required Family of 1 requires CAD $12 475 Approx. CAD $12443 - CAD $9769 as per GAURAV INDRAJIT AHLUWALIA statement at 2018-04-18; - CAD $2674 as per GAURAV INDRAJIT AHLUWALIA statement at 2018-04-18; Officer, please review edoc 214971142
THE OTHER NOTES (1-9) ARE ALL FOR ADDING SPOUSAL KITS, proof of relationship docs which I did in August-Sept 2018, etc etc.
Now the reason the review IN MAY 2018 could have happened is:
My primary account balance did not have the entire amount so I also showed them a statement for my investment policy that had a
surrender value on that date of US$30,000. It seems like there might have been confused with it.
This GCMS was in Nov 2018 and by 6th dec my application went from reviewing additional docs to NA and my background started (basically IP2)
AND THEN on 12th December, I got another ADR but this was for my wife's PCC that I submitted on 17th December.
Now since 17th December, additional documents has gone back to NA.
So my question is this:
Since the application background check has started and the 2nd ADR did not ask for anything related to funds and additional documents is now NA, does this mean the officer found it satisfactory?
Or should I get a letter from my broker/agent or the hedge fund itself detailing the policy?
The reason I ask is that my primary bank balance is almost always ZERO or quite below the requirments. This is because half of my monthly salary goes in this investment+life insurance (aroound US$2750 monthly. yes I invest nearly 50% of my salary) thats paid through my credit card (credit card itself has 100% payment every month so that I dont rack up debt on it) while the rest goes in expenses, small family debt repayments, sending it to my family etc.
So because of this i have to depend on the policy. And this policy is a 20 year policy. I can break it anytime but I get only half the money I invested then. The surrender value as of date (the money I get if I break it) is more than enough to meet the requirements and I get it in a week max.
So should I get a letter detailing this policy and submit or should I just wait in case IRCC comes back with ADR? OR do you think, the matter might have been resolved considering this GCMS was in nov and my application moved to IP2 and the 2nd ADR has nothing to do with PoF.
Thanks you