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URGENT, EXPERTS PLZ HELP: Visitor visa for my cousin and her husband DENIED

nevillek

Hero Member
Apr 25, 2011
731
5
Mumbai
Visa Office......
New Delhi
Job Offer........
Pre-Assessed..
App. Filed.......
02-07-2013
IELTS Request
8.0
Med's Done....
20-06-2013
Interview........
N/A
VISA ISSUED...
05-07-2013
LANDED..........
23-08-2013
My cousin and her husband recently applied for a visitor visa which was denied due to 2 reasons:

1) You have not satisfied me that you would leave Canada at the end of the year as a TR. In reaching this decision, I considered several factors, including
-I AM NOT SATISFIED THAT YOU HAVE ANSWERED TRUTHFULLY ALL QUESTIONS PUT TO YOU.

2) I am not satisfied that you have sufficient funds, including income or assets, to carry out your stated purpose in going to Canada or to maintain yourself while in Canada and to effect your departure.


Now, I have no idea about the first point because all docs they submitted were authentic, including property papers, bank statements, income tax form, salary slips, marriage certificate, affidavit for change in name of wife, covering letter from wife put in both applications (wife writing that she's sponsoring her husband), post-office FD copies, appointment letters and invitation letter from their aunt in Ontario (mentioning that she's inviting both of them and all their expenses will be borne by themselves i.e. my cousin and her husband).

Now, the only problem we can think of is that the wife showed a saving bank balance of ONLY INR 40,000 (CAD $750) and her husband ONLY INR 10,000 (CAD $180) whereas the FDs amounted to INR 5,00,000 (CAD $9000). Now obviously, FD's were probably not considered liquid and they wanted all that money in liquid form. Another problem is my cousin and her husband, both, used up all the saving bank money after submitting the bank statement and before receiving the visa, so if they verified the balance with the bank, they found out they didn't have that much money.

One more thing I can remember is that the property papers they showed are of their current home they moved into after marriage but their passport addresses are both different i.e. their parents' houses. In the fields of current mailing and permanent address, they mentioned the old addresses as per their old passports in BOTH the fields instead of their actual current home.

As they only get leave from work in August, they need to re-apply immediately. So my concerns are:

1) Could the first reason be finance-related or do you guys think it's something else as they're saying we were not TRUTHFUL?
2) If a family member transfers around CAD $10,000 to my cousin's bank a/c and they immediately (next day) apply for the visa again with revised bank statements, although it would look fishy, what are the chances the finance problem would be solved?
3) Also, if they were to apply for CAIPS notes to find the core problem, how long would it take on average? Someone told me 25 days, but we can't afford to wait that long. Also, is it 25 business days or total days? Could it come earlier?
4) Could the passport-application form address conflict be the "truthfulness" problem?
5) Finally, should I include an invitation letter from me too (as I am an international student studying 2 hrs away from their aunt) and my mother who applied for the visitor visa along with them got accepted, but theirs didn't. Their application didn't mention anything about me though, only their aunt, so I'm thinking that although my additional invitational letter might add more credibility to their application, I'm wondering if they would think why they didn't mention about this cousin of theirs the first time? So should I put an invi letter for them or not?

I would highly appreciate any help/advice from experts on this matter, thank you so so much in advance.
 

karenv

Hero Member
Jul 8, 2014
324
20
It won't work if another relative transfers the money to them in short time. The money needs to be in her account for at least 4 to 6 months.

In addition, both your cousin and her husband have under $1000 for expenses in Canada. Hence, they can't support themselves by any means.

They should wait for a few more months to have more savings before applying again.
 

nevillek

Hero Member
Apr 25, 2011
731
5
Mumbai
Visa Office......
New Delhi
Job Offer........
Pre-Assessed..
App. Filed.......
02-07-2013
IELTS Request
8.0
Med's Done....
20-06-2013
Interview........
N/A
VISA ISSUED...
05-07-2013
LANDED..........
23-08-2013
karenv said:
It won't work if another relative transfers the money to them in short time.
I've seen students for study visa do transfers like these 15 days before applying and getting the visa.

What if they mention that they encashed their FDs and deposited cash to show liquidity?
 

Jalex23

VIP Member
Apr 12, 2013
4,463
369
Calgary
Category........
Visa Office......
CPP-Ottawa
NOC Code......
2171
Job Offer........
Pre-Assessed..
App. Filed.......
05-09-2013
Doc's Request.
09-04-2014
AOR Received.
06-11-2013
Med's Request
05-04-2014
Med's Done....
20-05-2014
Passport Req..
07-07-2014
VISA ISSUED...
14-07-2014
LANDED..........
06-09-2014
nevillek said:
1) Could the first reason be finance-related or do you guys think it's something else as they're saying we were not TRUTHFUL?
Usually that means that when they looked at the big picture of your application things didn't match, thus the intentions given were not satisfactory and they couldn't trust the version.

Why? We would have to look on detail to see if there are any mismatches. So better do it yourself.

nevillek said:
2) If a family member transfers around CAD $10,000 to my cousin's bank a/c and they immediately (next day) apply for the visa again with revised bank statements, although it would look fishy, what are the chances the finance problem would be solved?
This would make it worse, as it is clear you are just working your way around the problem, feeding CIC with what they want to see.

KarenV explained already.

nevillek said:
3) Also, if they were to apply for CAIPS notes to find the core problem, how long would it take on average? Someone told me 25 days, but we can't afford to wait that long. Also, is it 25 business days or total days? Could it come earlier?
It is on average 4 weeks. It can arrive earlier but usually they arrive later.

nevillek said:
4) Could the passport-application form address conflict be the "truthfulness" problem?
Well, yes. Maybe not mainly but giving false information did not help at all. If you live in one place and write another place then that is lying.

nevillek said:
5) Finally, should I include an invitation letter from me too (as I am an international student studying 2 hrs away from their aunt) and my mother who applied for the visitor visa along with them got accepted, but theirs didn't. Their application didn't mention anything about me though, only their aunt, so I'm thinking that although my additional invitational letter might add more credibility to their application, I'm wondering if they would think why they didn't mention about this cousin of theirs the first time? So should I put an invi letter for them or not?
If they are going to visityou yes.

nevillek said:
I would highly appreciate any help/advice from experts on this matter, thank you so so much in advance.
Read my signature

nevillek said:
I've seen students for study visa do transfers like these 15 days before applying and getting the visa.

What if they mention that they encashed their FDs and deposited cash to show liquidity?
Students are different. Basically if you have a Study Permit then the TRV is straight forward. Making money moves is irrelevant.

Yes, if sudden amounts of money are deposited then you should explain HOW and WHY those got there.

One more thing don't use acronyms like: FDs, INR, etc. the help comes from people around the world that are not knowledgeable of them.
 

nevillek

Hero Member
Apr 25, 2011
731
5
Mumbai
Visa Office......
New Delhi
Job Offer........
Pre-Assessed..
App. Filed.......
02-07-2013
IELTS Request
8.0
Med's Done....
20-06-2013
Interview........
N/A
VISA ISSUED...
05-07-2013
LANDED..........
23-08-2013
Thanks a lot Jalex. The problem is they only get work leave in August so they need to re-apply in the next 2-3 days if they want a shot at the visa.

If we provide this explanation, do you think it would work? "We understand that the proof of funds provided by us may have been inadequate in terms of liquidity due to majority of the money being in FDs (fixed deposits), therefore we have encashed some of our FDs and deposited them into our savings bank account."
 

Jalex23

VIP Member
Apr 12, 2013
4,463
369
Calgary
Category........
Visa Office......
CPP-Ottawa
NOC Code......
2171
Job Offer........
Pre-Assessed..
App. Filed.......
05-09-2013
Doc's Request.
09-04-2014
AOR Received.
06-11-2013
Med's Request
05-04-2014
Med's Done....
20-05-2014
Passport Req..
07-07-2014
VISA ISSUED...
14-07-2014
LANDED..........
06-09-2014
nevillek said:
Thanks a lot Jalex. The problem is they only get work leave in August so they need to re-apply in the next 2-3 days if they want a shot at the visa.

If we provide this explanation, do you think it would work? "We understand that the proof of funds provided by us may have been inadequate in terms of liquidity due to majority of the money being in FDs (fixed deposits), therefore we have encashed some of our FDs and deposited them into our savings bank account."
Yes, also add statements on the FDs and how they got cashed, show obvious evidence of the transaction. This is not a "sudden deposit" as per se, it is just moving YOUR OWN MONEY around, which is acceptable.

Also correct the passport address issue.

Best of lucks!
 

nevillek

Hero Member
Apr 25, 2011
731
5
Mumbai
Visa Office......
New Delhi
Job Offer........
Pre-Assessed..
App. Filed.......
02-07-2013
IELTS Request
8.0
Med's Done....
20-06-2013
Interview........
N/A
VISA ISSUED...
05-07-2013
LANDED..........
23-08-2013
Jalex23 said:
Also correct the passport address issue.

Best of lucks!
Thank you so very much Jalex. One big issue about passport is the wife's name. In the passport, she has her maiden surname and signature. So in the application form, should she put maiden surname and signature? Or married surname and signature? She is including her marriage certificate and affidavit of surname change, but passport is pretty old, it has her old address too.
 

Jalex23

VIP Member
Apr 12, 2013
4,463
369
Calgary
Category........
Visa Office......
CPP-Ottawa
NOC Code......
2171
Job Offer........
Pre-Assessed..
App. Filed.......
05-09-2013
Doc's Request.
09-04-2014
AOR Received.
06-11-2013
Med's Request
05-04-2014
Med's Done....
20-05-2014
Passport Req..
07-07-2014
VISA ISSUED...
14-07-2014
LANDED..........
06-09-2014
nevillek said:
Thank you so very much Jalex. One big issue about passport is the wife's name. In the passport, she has her maiden surname and signature. So in the application form, should she put maiden surname and signature? Or married surname and signature? She is including her marriage certificate and affidavit of surname change, but passport is pretty old, it has her old address too.
When the form specifies "write as it comes in your passport" do as so. If not then use the legal name. You have the correct documentation to explain any mismatches.