what to do about this objection

[Cappuccino]

Agreed. If you don't actually have this money you are going to find it extremely difficult to survive in Canada when you arrive. The money is needed to make your move to Canada possible and make sure you have somewhere to live / something to eat.

Complete true and additionally

1) It's illegal to make false statements to CIC and pretend money belongs to you when it doesn't and

2) Canadian tax payers (of which I am one) will have to foot the bill when the immigrant arrives and has to ultimately rely on welfare because they don't have sufficient funding to support them whilst they find work.


It should be noted that the settlement fund level is really a rock bottom bare minimum CIC believe on average new immigrants will need before finding employment / settling in. It's greatly advised to take more than this if possible.

Wayne.

 

[Saf_khan]

Dear Wayne,

Its acceptable, i did the same thing.
I submitted only balance certificate, instead f 6 months statement and i worked without any problem.

Jassnoor, why are you advising applicants to commit fraud?

Why do so many people believe the rules don't apply to them?

Wayne.

 

[Cappuccino]

Proof of settlement funds - You must have sufficient transferable and available funds, unencumbered by debts or any other obligations. Minimum funds required for a family of 5 are $23,425. Clearly state the exact amount in Canadian dollars, taking into account any financial obligations, and provide documentary evidence. Proof of assets that are not liquid or transferable, such as cars or jewellery, will not be considered. Provide detailed translated Bank Statements for the past 6 months, please also provide an explanation for any large deposits and please show the origin of any new funds credited to your bank accounts.

experts please reply as i am really in need of help

I am assuming this instruction has come from your visa office? Where are the funds that you showed when you applied?

The 6 months statements are required because CIC wants to know that the money belongs to you and you're not just borrowing it. As Scylla correctly says, any large deposits during that 6 month period will need to have the source shown. For example sale of car or asset should be supported with a bill of sale.

Wayne.

 

[Cappuccino]

Dear Wayne,

Its acceptable, i did the same thing.
I submitted only balance certificate, instead f 6 months statement and i worked without any problem.

Well, borrowing money for settlement funds as Sam is indicating is absolutely not acceptable.

Wayne.

 

[scylla]

Well, borrowing money for settlement funds as Sam is indicating is absolutely not acceptable.

Wayne.

I agree with everything Cappuccino has said.

Some people may borrow money and lie about the personal funds they have available. However this is most definitely application fraud from a Canadian immigration perspective - and again, you may find it extremely difficult to survive in Canada when you first arrive without this money.

 

[sam439]

Thanks Cappuccino.
I have enough gold with me which i can sell and get the sale certificate from jeweller shop to get funds and proof. ...Will it be acceptable?

 

[coolguy2010]

Yes

Thanks Cappuccino.
I have enough gold with me which i can sell and get the sale certificate from jeweller shop to get funds and proof. ...Will it be acceptable?

 

[sam439]

Thanks Coolguy...

 

[Nameer]

my husband has a joint account with his brother and he transfers his savings into that account for now the funds are in use of his brother but he will be returning them even if my husband deposit it into his sole account cic will ask where is the money coming from? how to justify that?
P.S joint accounts are only acceptable if you have it with your spouse.

what to do experts??

 

[Pippin]

Why have his money in a joint account with his brother at this point when you know it could jeopardize your application? If your husband owns the money have it in his own account. If he wishes to lend some to his brother then do so and write a cheque to him or draw up a document with the amount so there is a clear paper trail to cover the money when it is repaid.

 

[Nameer]

but dont u think the cic will ask why whats and where about the large amt of money came from?

 

[Cappuccino]

my husband has a joint account with his brother and he transfers his savings into that account for now the funds are in use of his brother but he will be returning them even if my husband deposit it into his sole account cic will ask where is the money coming from? how to justify that?
P.S joint accounts are only acceptable if you have it with your spouse.

what to do experts??

Currently with the money in this joint account Nameer you basically have no means to prove funding, at all. As you say joint accounts can only be used as proof of funds with a spouse (and even then they must be accompanying you to Canada).

IMO you have no choice but to ensure the funds are deposited into an account solely in your husband's name. Then get a signed letter from his brother stating these funds entirely belong to him.

The combination of the statement from the joint account, then new sole account statement and the signed letter should be sufficient to prove that the funding is there and that it belongs to your husband.

The sooner you do this however the better IMO. It's going to look a little suspicious if you do it only when CIC ask to see proof of funds.

Wayne.

 

[Cappuccino]

Thanks Cappuccino.
I have enough gold with me which i can sell and get the sale certificate from jeweller shop to get funds and proof. ...Will it be acceptable?

Yes assets already liquidated, the money can be used for proof of funds.

Simply keep a receipt or bill of sale so if CIC query where the amount came from you can show them the receipt and explain it was from sale of jewelry / car / expensive statue of goldfish, whatever

Wayne.

 

[jassnoor]

dear wayne

with due respect, could u please tell me wat kind of fraud r u talking about?

first read post carefully then write something.

i just said that take balance certificates instead of statements?
what kind of fraud u found in that wording?

i m sorry if i said anything wrong.
regards

 

[Pippin]

The fraud would be committed if a person stated they owned the required amount of funds when they were not theirs. If the VO was satisfied with a balance certificate they would not specify six months of statements that show the daily workings of the account. The best way to avoid complications is to follow their instructions accurately otherwise the VO could interpret these actions as evasive and a red flag for follow up.