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  1. Gruff

    Regarding debts/loans when applying

    When I first applied I looked through posts and information on applying whilst having debt and the general answers were; “that IIRC are not interested in your net worth just that the funds are liquid (ie you can have a loan but the loan can’t be used to show proof of funds)” After receiving a...
  2. Gruff

    U.K. applicants timelines

    While waiting for PPR I thought i’d ask for some fellow Brits experiences with EE as I know a lot of the applicants are from Asia/Africa’s I’ve not been able to find much on U.K. immigrants to Canada ( I feel Australia is more popular with U.K. immigrants :p) What were/are your timelines like...
  3. Gruff

    Am I overthinking POF?

    I have; Bank account A: with required funds and my salary going in. Funds were gifted by my parents last month and I have a gift deed as evidence for the large deposit. Personal loan: used to pay of credit card debts 9 months ago Credit card A: zero balance since 9 months ago Credit card B: zero...
  4. Gruff

    Do I need my current job ref letter if not claiming points?

    At the final stages of uploading documents, I have full reference letters from two past jobs I have claimed points for. However my current job is a different NOC and I’m not claiming points for it. Do I still need a reference letter from my current employer or is it okay to upload my...
  5. Gruff

    POF with a personal loan

    Hi all, Longtime viewer on this forum, got my ITA on the previous draw but having difficulty finding a concrete answer for proof of funds and outstanding loan. Basically how do personal loans affect POF? I took a personal bank loan last year to pay off my credit card debts and have been...