Hello Everyone,
I need one help. I have received yesterday Procedural Fairness Letter from CIC pertaining to POF
As part of POF document i had submitted a letter stating the actual funds (about INR 16,75,000 from HDFC Bank) of my Savings Account Plus 6 Months Bank statement
The case officer is concerned about a set of transactions - Which were credited to my account (listed below)
and have asked for explanation on the Source of funds via these transactions.
100,000 INR on December 1st 2018
75,000 INR on December 11th 2018
67,000 INR on December 11th 2018
4,50,000 INR on December 12th 2018
2,00,000 INR on December 12th 2018
1,50,450 INR on December 13th 2018
I have explanation of all of these transaction (These funds are from my own accounts from different banks and primary reason was to consolidate all money in single account. I have obtained necessary proofs)
However i don't know how to explain the below one: (It is significant amount)
4,50,000 INR on December 12th 2018
This is money from loan which i had taken from HDFC before ITA (i was not expecting ITA)
The loan was taken on 12th Dec and ITA was 19th December. Having said that the POF letter which i had mentioned cumulative amount including 4,50,000.
I also missed giving an LOE to IRCC not to consider 4,50,000 at time of AOR
What i had thought at time of submitting AOR is that immigration officer will consider (16,75,000 - 4,50,000)
12,25,000 and this is above threshold required for family of 2.
The question which is bothering is- How do i explain this transaction?
Also, i have repaid this 4,50,000 and also have an NOC letter issued from Bank on 1st April 2019 but that is 4 months after AOR
I think it was a silly mistake from my end (missing LOE) and i am applying on my own.
I understood from online sources that procedural fairness is just a step before rejection and am finding myself in troubled waters. Can anybody help?
What should i do in this case to explain 4,50,000 - Basically requesting officer not to consider this transaction