Finance docs in order - still rejected due to non-sufficient funds: Study Permit Canada

[arnishbhadra2017]

I had applied for a student visa. I have an offer from Bow Valley College in Canada. I had already paid 1500$ towards tuition, and my sister promised to pay 30000$ (which is the remaining tuition amount). the course is for two years and the total tuition is 31500$. My brother in law and sister work in Canada and are permanent residents there. The balance they have in their accounts is way over 30,000 $. My sister also wrote a letter confirming that she is willing to support my studies and I would be staying with them at their house while I am in Canada.

Today I got a refusal and the reason shown to me was the consular officer was not confident that I can pay the tuition fees in Canada without working there. However, the whole tuition and my cost of living was promised to be covered by my sister and she had more than the required amount in her account. What went wrong? Any thoughts?

 

[Johnsnow 007]

I had applied for a student visa. I have an offer from Bow Valley College in Canada. I had already paid 1500$ towards tuition, and my sister promised to pay 30000$ (which is the remaining tuition amount). the course is for two years and the total tuition is 31500$. My brother in law and sister work in Canada and are permanent residents there. The balance they have in their accounts is way over 30,000 $. My sister also wrote a letter confirming that she is willing to support my studies and I would be staying with them at their house while I am in Canada.

Today I got a refusal and the reason shown to me was the consular officer was not confident that I can pay the tuition fees in Canada without working there. However, the whole tuition and my cost of living was promised to be covered by my sister and she had more than the required amount in her account. What went wrong? Any thoughts?

Apart from your sister writing a letter to support you, who was your sponsor?

did she show her bank statement and PR card?

Apart from the +$1500cad which I guess was to secure your seat, did you pay the first year tuition fees as required by your DLI?

did you show proof of funds to cover your living expenses?

 

[arnishbhadra2017]

My sister was my sponsor. She submitted her t4, bank account details. Also, we submitted my brother in law's t4 and bank account details. PR card was submitted for my sister.

My institution didnot ask me to pay the first year fees.

Living expense: my sister also wrote in her sponsorship letter that she would take care of my living expense.

 

[AstronomyNut]

My opinion: a sister, though a close relation, is not really that close to you economically because she is married. Does she have children of her own? What is annual income? Is it enough that $15000 CAD per a year won't make a dent in her income?

Put yourself in the VO's shoes. He is concerned that your sister has a family or will start a family soon enough. How can she afford your education? It doesn't matter what a Letter of Support says because the situation, to the VO, is not credible. We can pretend it's not any of the VO's business but his responsibility is to not let any non bona fide students - which makes this his business!

 

[arnishbhadra2017]

no, she does not have any children. her income is sufficient. We provided T4 to prove that. but yes, if the VO thinks like that, then yes, it looks as if sister once married may not be a credible sponsor, no matter what the reality is.

Your point sounds to be a valid reason when one puts oneself into VO's shoes. So now the solution: here is what I am thinking as possible next steps is as follows:

1. Change my father to my sponsor, put his income statements, bank details.
2. My father puts the tution fee money in my personal bank account
3. I buy the scotia bank GIC
4. Take a letter from Dad
5. Also, take the old letter from sister and brother in law.
6. Resubmit

Please find the issues with this plan and please provide guidance.

 

[AstronomyNut]

no, she does not have any children. her and my brother in law's annual family income is six figures in CAD. 15k is 10% of the family income. We provided T4 to prove that. but yes, if the VO thinks like that, then yes, it looks as if sister once married may not be a credible sponsor, no matter what the reality is.

Your point sounds to be a valid reason when one puts oneself into VO's shoes. So now the solution: here is what I am thinking as possible next steps is as follows:

1. Change my father to my sponsor, put his income statements, bank details.
2. My father puts the tution fee money in my personal bank account
3. I buy the scotia bank GIC
4. Take a letter from Dad
5. Also, take the old letter from sister and brother in law.
6. Resubmit

Please find the issues with this plan and please provide guidance.

Your plan is good, as far as Proof of Funds is concerned. However, i would recommend you pay first year's tuition fee. Since you will be applying for the second (or third?) time, you need to cover all angles. The best proof of funds is a receipt from the university stating they have received the funds.

But if your father can sponsor you entirely, there is no need to bring in your sister or brother in law. I would not mention that you intend to live with them - that shows a very strong tie.

 

[Johnsnow 007]

no, she does not have any children. her and my brother in law's annual family income is six figures in CAD. 15k is 10% of the family income. We provided T4 to prove that. but yes, if the VO thinks like that, then yes, it looks as if sister once married may not be a credible sponsor, no matter what the reality is.

Your point sounds to be a valid reason when one puts oneself into VO's shoes. So now the solution: here is what I am thinking as possible next steps is as follows:

1. Change my father to my sponsor, put his income statements, bank details.
2. My father puts the tution fee money in my personal bank account
3. I buy the scotia bank GIC
4. Take a letter from Dad
5. Also, take the old letter from sister and brother in law.
6. Resubmit

Please find the issues with this plan and please provide guidance.

Part of your mistake was that you didn't pay your first tuition fees, this time, try to do so and better choice to make your father your sponsor and your sister or inlaw can be your cosponsor

you should also tey to show sufficient funds in your bank account enough to cover your living expenses

 

[arnishbhadra2017]

The reason I did not pay the first year tuition fees was because my institution did not demand it. Is it possible to pay the fees even when the institute does not request the fees?

Financials are ready - dad sponsor, sis co-sponsor...

one more question: is the GIC through Scotia bank compulsory?

 

[AstronomyNut]

Email your school and ask them if you can pay them. Explain to them that it would help your study permit application.

Make sure they refund 100% of the funds if permit is refused.