Montreal is the worst place to have your application in my opinion but I can't say yours may go through the same thing. My first EE application was April 2018. I called them after 3 months and was told my application is at Montreal. Ordered my notes and I saw RR on the application. Mind you, the application was sent to Montreal in early June but I heard from them in October with a procedural fairness letter. They asked me to submit a new bank statement. I was relieved cos I had I never touched the money in my account so I still had $12,900. I printed a new bank statement and uploaded it. 3 days latter, the refused me with the reason that i do not met the financial eligibility. The officer deducted my credit card bill of $2300 from my statement balance and concluded that i only have $10,000 plus which is less than the required amount. I paid off all my credit card bills and reapplied again on November 12. Waiting for the next absurd thing that they will tell me...lol