Pls besi002 for those of us who might fall in this predicament, what was the exchange rate used by the Visa Officer and what did you use as yours when you put in your application? Thank you.
Application refused
- Thread starter besi002
- Start date
Hi, thanks a lot for the info! Can you please give me an indication on how to raise a CSE with an LOE? What link should I use? I would really appreaciate it.
Hello, i am in same boat. Short question:
Did you explicitly declare/mention in your AOR LOE that you had a loan as a guarantee?
Yes I mentioned everything in detail. The problem was the insufficiency of funds, just a USD200 difference. The loan was another issue but they did not make a problem for that (when they calculated my funds they did not include it) because I explained that it was a mortgage backed up by a property in my name. They just sent the LOE back to the office that made the decision to reassess it and obviously they did not make any change to the decision. Now I applied again after adding the missing funds in my bank account and I think it should be ok this time, Im waiting for the application decision.
Everything went perfectly. I got my permanent residence card now. When I landed the officer asked me a routine question about the first application and I just explained the reason again.
Obviously I added more funds in order to be sure that whatever the exchange rate my funds would always be over the minimum limit. And after adding more funds I obtained an updated statement. There was no problem at all in the second application.
So basically what happened with us is more or less the same, we submitted a bank statement in March 2019 which covered enough funds for me and my husband even at the current exchange rate(OCT 2019) but we had a daughter during the process and now if you look at the previous balance which was shown in March 2019 isnt enough to cover all three of us ( we submitted updated bank statement and LOE after her birth). We added more funds when she was born and uptil now we kept adding more to make sure we meet with the exchange rate difference. However, we received PFL yesterday saying that we might not have enough funds at our disposal and require to provide our bank statement covering the transactions from 10th March 2019 to 10th Oct 2019 (date of the letter). Can you please recommend after your experience that 1) should we submit any additional documents other than letter of explanation and updated bank statements of my Husband's who is the primary applicant (which have more than minimum requirement funds for all three of us)?
2) How did you submit the additional documents as there is nothing mentioned on the application?
Thank you so much and apologies for the long post!
No worries, I was at the same boat this year. I submitted the documents through the online system as they sent me a PFL and there is an option to upload other files where you uploaded in the first time. They refused that application because the funds werent enough. If you have the funds you dont have to worry, my problem was that my funds were below the minimum. I suggest to provide exactly what the PFL asks and be careful because they will have to decide based on what you send this time, they cannot send another PFL. Did they give any reason on why they are not sure about the funds? If they didnt mention a specific reason then it is just because the last statement is outdated and they need an updated one. In my case they mentioned my loans, so I provided an official certificate from the Central Bank to prove that I have no other loans outstanding. You could add this document as well just to be sure. But if they only requested an updated bank statements then you dont have to worry.
This is what we got in PFL. What do you think? Should we just send them the new bank statements?
This refers to your application for permanent residence. Your application and all of the documents you submitted in support of it have been reviewed and it appears that you may not meet the requirements for immigration to Canada.
I have reviewed the documentation you have provided and I am not satisfied that you have the required level of transferable and available funds as per subsection 76(1) (b). I have concerns that you may not have at your disposal, with sufficient liquidity, and with the ability to transfer the assets, the necessary threshold of funds to support your establishment in Canada.
Furthermore, Subsection 16(1) of the Immigration and Refugee Protection Act states that a person who makes an application must answer truthfully all questions put to them for the purpose of the examination and must produce a visa and all relevant evidence and documents that the officer reasonably requires.
Before I make a final decision, please submit:
Your recent bank statements from XXX and XXX including transactions from 10MARCH2019 until the date of this letter (10OCTOBER2019).
The onus is on you to submit the required documents mentioned above. As such you will have 7 days from the date of this letter to comply. If you do not comply and/or if the required documents are incomplete with this request within 7 days, your application will be assessed based on the information currently on file and may result in the refusal of your application.
This refers to your application for permanent residence. Your application and all of the documents you submitted in support of it have been reviewed and it appears that you may not meet the requirements for immigration to Canada.
I have reviewed the documentation you have provided and I am not satisfied that you have the required level of transferable and available funds as per subsection 76(1) (b). I have concerns that you may not have at your disposal, with sufficient liquidity, and with the ability to transfer the assets, the necessary threshold of funds to support your establishment in Canada.
Furthermore, Subsection 16(1) of the Immigration and Refugee Protection Act states that a person who makes an application must answer truthfully all questions put to them for the purpose of the examination and must produce a visa and all relevant evidence and documents that the officer reasonably requires.
Before I make a final decision, please submit:
Your recent bank statements from XXX and XXX including transactions from 10MARCH2019 until the date of this letter (10OCTOBER2019).
The onus is on you to submit the required documents mentioned above. As such you will have 7 days from the date of this letter to comply. If you do not comply and/or if the required documents are incomplete with this request within 7 days, your application will be assessed based on the information currently on file and may result in the refusal of your application.
Yes it seems like that is the only thing to do. Just to be sure you could go to the bank and get some kind of certificate or confirmation letter that you can withdraw all the funds without any problem. And explain the situation in detail. I dont think you could do more. Sometimes it depends on the visa officer. In any case just keep in mind that my first application was refused, then I applied again immediately, got accepted and now I finally got the permanent residence card. So dont worry and be patient, it`s a long process but totally worth it. Good luck!