Visa rejected need help reapplying

[uganguly]

Hi guys,

I have been following this forum for over a month and have felt the joys and sorrows of acceptance and rejection of fellow forum members. Anyway, I applied for my student visa online on 2nd of July and was asked to re upload Loan papers and proof of fund and transcripts which I did so in 3 days ie 5th july. Having misinterpreted certain information on the cic website and the vfs site I thoroughly messed up my application and was rejected, I will give you a synopsis of my background and other relevant information.

My interpretation was that for proof of funds, if I am being sponsored, my sponsors financials matter the most rather than mine.
I took a loan against my fathers FD to put fund in my account.
Mentioned in my application that I would be funded by my brother-in-law, parents and bank loan

Showed about 7.5 lakhs (loan against fd) in my joint account with my father/mother/myself (funds were put in june 2014)
3 Lakhs in my personal account (funds were put in July 2014)
FD certificates of my parents
First sem fees paid by my brother-in-law (30th may 2014)

After I was asked for the loan document the bank gave me a certificate which is termed as Advance against TD (term Deposit)


My profile is

10th 2002 69%
12th 2004 69%

Worked in a start up for 4 years untill 2008 (submitted exp letter which was botched up by the partner, he put in the wrong date which I later realised)
Then focused on real estate business with an acquaintance untill 2012 (did not submit exp letter for that)
Started 2013 volunteering for an NGO for 3 months and then started my own heavy machinery rental company (no prize for guessing it didn't work out well)

Applied for UG Dip in business at university of Regina

I would like guidance in reapplication to strengthen my base. I want to finish my bachelors from Canada but cannot afford it right now, hence starting with dip and carrying over credits later to finish my degree.. Any guidance is appreciated. How soon can I reapply for my visa?

 

[uganguly]

I was given the following reasons

purpose of visit

You have submitted documentation which lacks authenticity as part of your application. This has
diminished the overall credibility of your submission.

"This refers to your application for a Canadian study permit. According to Canada's Immigration and Refugee
Protection Act and Regulations, as an applicant for a study permit, you must establish that your intentions are
bona fide and that you will leave Canada by the end of the period authorized for your stay. You must satisfy an
officer that you will not contravene the conditions of admission and that you do not belong in a category of
persons inadmissible to Canada under the Act. You must satisfy an officer that you will meet the requirements of
Part 12 of the Regulations, including satisfying the officer that you have adequate financial resources to pay
tuition fees and support your stay in Canada.
Based on a careful review of the information contained in your application and all of the documentation which
you have provided in support of your application, I am not satisfied that you meet the requirements of the Act
and the Regulations. I am therefore refusing your application.
Subsection 11(1) of the Act states that “A foreign national must, before entering Canada, apply to an officer for a
visa or for any other document required by the Regulations. The visa or document shall be issued if, following an
examination, the officer is satisfied that the foreign national is not inadmissible and meets the requirements of
this Act.” Subsection 2(2) specifies that unless otherwise indicated, references in the Act to “this Act” include
regulations made under it." I dont know if this refers to me or is it a proforma of rejection letters..

 

[ola1974]

Those documents u uploaded are they originnals or copies? If they are copies did u notorised them? Then all the money referred to were prepared a month b4 or same months u applied & they expect the money to be in ur account for the past 4 months prior to submission of ur appiicaton & finally u said that u too contributed to the rejection. So now retrace ur step fast & quickly re-apply with strong sop you may be lucky this time.

 

[uganguly]

Everything I uploaded were scanned copies of the originals except for my Exp letter (which was a digital one with digital company stamp ( and wrong date in the info) and bank statement which were again digital.. I dont think I can make it for fall 2014, I have asked the university to defer my admission to winter 2015.. Also can you please tell me how much money to show in my account ? My course fee is 42000 approx for 2 years..

 

[ola1974]

Plus 20000 for ur living cost for 2 yrs making 62000. So how much can u raised from this? If u pay for 1st semester + gic for 10000 & show extra 35-45000, you shld be okay

 

[starsup]

Also write a strong SOP showing ties in your home country... This is very important, you will need to satisfy the VO that you will leave Canada at the end of your education....

 

[uganguly]

I plan on getting a proper educational loan against the house for about 15-20lakhs (26000 - 35000) and the rest is what I already have.. First sem fee will be paid ie 7500 and will get gic ie 10000 will have around 7 lakhs in account untill I get visa ie 12000 so total = 30000 (bank loan) + 7500 (sem fee) + 10000 (gic) + 12000 = 60000 CAD approx.. Is this ok ?

On a side note I want to mention one more points to our members, I have extensively travelled and also have a valid USA visa for 10 years and have been to Schengen countries and USA a couple of times but it didnt give me any added advantage..

 

[ola1974]

If u can arrange that with strong SOP, then u can give another shot. You wll get it this time with ur good travel history