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questforthemapleleaf

Star Member
Jul 25, 2019
89
36
SEEKING ADVICE - Review Required for Settlement Funds in GCMS Notes

Hi All,

I have been a silent spectator of this thread and probably read each of the messages here. Haven't been able to help anyone as I'm not an expert in this. However, it seems like it's time I need some advice myself.

I got my GCMS notes yesterday. My case and status is as follows -

AOR - 21st March, 2019
Stream - FSW-O (India)
Family - Family of 3 (spouse and child unaccompanying)
Status (mix of IRCC portal messages and GCMS notes observations below) -
Notes applied - 23rd June, 2019
Notes received - 24th July, 2019
Medical - Passed
Biometrics - Done
Criminality - Passed for mine, Not Started for wife (overall, In Progress)
Security - Not Started
Eligibility - Review Required

ELIGIBILITY

The notes suggest Education, Work Experience, etc. are all good. Only observation for which it was put in review was Settlement Funds. Funny really as this was the last thing I expected to cause trouble. Family of 3 needs $19,390. I showed ready availability of approx $34,000! I backed my funds claim with all the statements, explanations of all large credits to my account (all of them were from salary sources, no eye-brow raising stuff there), etc.

I cannot make sense out of the agent's notes. I'm not mentioning individual amounts, but the summary of discrepancies is as follows -
Bank 1 - Mix of savings balance, RDs and FDs (considering only accrued amount for FDs and RDs) amounts to $24,000. The agent noted the funds availability in this account as $0 - $8,000. The amount indicates they considered some of my FDs but not all of them (as my savings balance doesn't amount to $8,000)
Bank 2 - Mix of savings balance and FDs amount to $10,000. This was noted fine by the agent in its entirety (no discrepancies here)
Credit Card Dues - Noted as $1,000 which is correct (note, this is just a regular monthly due that I pay off every month, not accumulated stuff).

The only sense I can make out of it is, they didn't consider my FDs which were less than 6 months old. A lot of my FDs show up as <6months as -
i. Most of them were old FDs that matured and were reinvested. So the starting date shows up as new.
ii. One of them was a new FD that I created after puling some amount out of my Mutual Funds as I understand volatile instruments are not considered as POF.

I have attached all details in POF and LOE regarding all of these. I have provided 6-months full bank statement that clearly shows the maturity and recreation of the new FDs. I have provided withdrawal statements of the Mutual Funds (all in my name, withdrawn directly to my account). I even explained all the large credits on my bank statements in LOE with proper bookmarks and links to appendices.

The question is, what do I do now? Should I -
i. Proactively raise a CSE with a summary of explanations that I have already put in LOE (because I have nothing new to explain or that is not already there in the LOE)?
ii. Liquidate the FDs and send them an updated Saving Balance statement through CSE?
iii. Just wait for the officer to review? This option seems like something that would take months or even more than a year!

Thanks for reading it out and your advice.

Regards

P.S. : I posted this in the @legalfalcon help thread as well.
 
Last edited:

comet7700

Hero Member
Aug 24, 2018
240
85
Dubai
Category........
FSW
Visa Office......
Ottawa
AOR Received.
27/03/2019
Thanks brother, surely will meet.
Planning to do soft landing in December, will be staying in Toronto area. What about you ??
Same. However, a little behind you :) leave me your contact details as a message. Will holler once I am there...
 

RAGHUVAR VADREVU

Star Member
Jun 1, 2019
79
25
I hope I get the golden email soon! My visa in US will be ending soon a...im on my F1 Visa ending December 2019 won't have slack to stay back longer... That's why... March18 AOR
 
Last edited:

reality.check

Newbie
Oct 29, 2018
6
2
SEEKING ADVICE - Review Required for Settlement Funds in GCMS Notes

Hi All,

I have been a silent spectator of this thread and probably read each of the messages here. Haven't been able to help anyone as I'm not an expert in this. However, it seems like it's time I need some advice myself.

I got my GCMS notes yesterday. My case and status is as follows -

AOR - 21st March, 2019
Stream - FSW-O (India)
Family - Family of 3 (spouse and child unaccompanying)
Status (mix of IRCC portal messages and GCMS notes observations below) -
Notes applied - 23rd June, 2019
Notes received - 24th July, 2019
Medical - Passed
Biometrics - Done
Criminality - Passed for mine, Not Started for wife (overall, In Progress)
Security - Not Started
Eligibility - Review Required

ELIGIBILITY

The notes suggest Education, Work Experience, etc. are all good. Only observation for which it was put in review was Settlement Funds. Funny really as this was the last thing I expected to cause trouble. Family of 3 needs $19,390. I showed ready availability of approx $34,000! I backed my funds claim with all the statements, explanations of all large credits to my account (all of them were from salary sources, no eye-brow raising stuff there), etc.

I cannot make sense out of the agent's notes. I'm not mentioning individual amounts, but the summary of discrepancies is as follows -
Bank 1 - Mix of savings balance, RDs and FDs (considering only accrued amount for FDs and RDs) amounts to $24,000. The agent noted the funds availability in this account as $0 - $8,000. The amount indicates they considered some of my FDs but not all of them (as my savings balance doesn't amount to $8,000)
Bank 2 - Mix of savings balance and FDs amount to $10,000. This was noted fine by the agent in its entirety (no discrepancies here)
Credit Card Dues - Noted as $1,000 which is correct (note, this is just a regular monthly due that I pay off every month, not accumulated stuff).

The only sense I can make out of it is, they didn't consider my FDs which were less than 6 months old. A lot of my FDs show up as <6months as -
i. Most of them were old FDs that matured and were reinvested. So the starting date shows up as new.
ii. One of them was a new FD that I created after puling some amount out of my Mutual Funds as I understand volatile instruments are not considered as POF.

I have attached all details in POF and LOE regarding all of these. I have provided 6-months full bank statement that clearly shows the maturity and recreation of the new FDs. I have provided withdrawal statements of the Mutual Funds (all in my name, withdrawn directly to my account). I even explained all the large credits on my bank statements in LOE with proper bookmarks and links to appendices.

The question is, what do I do now? Should I -
i. Proactively raise a CSE with a summary of explanations that I have already put in LOE (because I have nothing new to explain or that is not already there in the LOE)?
ii. Liquidate the FDs and send them an updated Saving Balance statement through CSE?
iii. Just wait for the officer to review? This option seems like something that would take months or even more than a year!

Thanks for reading it out and your advice.

Regards

P.S. : I posted this in the @legalfalcon help thread as well.
Hi, i once read about someone that had a similar issue, he proactively raised a CSE to draw their attention to the error and he got PPR shortly after that. Goodluck
 

comet7700

Hero Member
Aug 24, 2018
240
85
Dubai
Category........
FSW
Visa Office......
Ottawa
AOR Received.
27/03/2019
SEEKING ADVICE - Review Required for Settlement Funds in GCMS Notes

Hi All,

I have been a silent spectator of this thread and probably read each of the messages here. Haven't been able to help anyone as I'm not an expert in this. However, it seems like it's time I need some advice myself.

I got my GCMS notes yesterday. My case and status is as follows -

AOR - 21st March, 2019
Stream - FSW-O (India)
Family - Family of 3 (spouse and child unaccompanying)
Status (mix of IRCC portal messages and GCMS notes observations below) -
Notes applied - 23rd June, 2019
Notes received - 24th July, 2019
Medical - Passed
Biometrics - Done
Criminality - Passed for mine, Not Started for wife (overall, In Progress)
Security - Not Started
Eligibility - Review Required

ELIGIBILITY

The notes suggest Education, Work Experience, etc. are all good. Only observation for which it was put in review was Settlement Funds. Funny really as this was the last thing I expected to cause trouble. Family of 3 needs $19,390. I showed ready availability of approx $34,000! I backed my funds claim with all the statements, explanations of all large credits to my account (all of them were from salary sources, no eye-brow raising stuff there), etc.

I cannot make sense out of the agent's notes. I'm not mentioning individual amounts, but the summary of discrepancies is as follows -
Bank 1 - Mix of savings balance, RDs and FDs (considering only accrued amount for FDs and RDs) amounts to $24,000. The agent noted the funds availability in this account as $0 - $8,000. The amount indicates they considered some of my FDs but not all of them (as my savings balance doesn't amount to $8,000)
Bank 2 - Mix of savings balance and FDs amount to $10,000. This was noted fine by the agent in its entirety (no discrepancies here)
Credit Card Dues - Noted as $1,000 which is correct (note, this is just a regular monthly due that I pay off every month, not accumulated stuff).

The only sense I can make out of it is, they didn't consider my FDs which were less than 6 months old. A lot of my FDs show up as <6months as -
i. Most of them were old FDs that matured and were reinvested. So the starting date shows up as new.
ii. One of them was a new FD that I created after puling some amount out of my Mutual Funds as I understand volatile instruments are not considered as POF.

I have attached all details in POF and LOE regarding all of these. I have provided 6-months full bank statement that clearly shows the maturity and recreation of the new FDs. I have provided withdrawal statements of the Mutual Funds (all in my name, withdrawn directly to my account). I even explained all the large credits on my bank statements in LOE with proper bookmarks and links to appendices.

The question is, what do I do now? Should I -
i. Proactively raise a CSE with a summary of explanations that I have already put in LOE (because I have nothing new to explain or that is not already there in the LOE)?
ii. Liquidate the FDs and send them an updated Saving Balance statement through CSE?
iii. Just wait for the officer to review? This option seems like something that would take months or even more than a year!

Thanks for reading it out and your advice.

Regards

P.S. : I posted this in the @legalfalcon help thread as well.
As a thumb rule, FDs are not considered. The funds have to be liquid. Does not matter how old the FD was, or when it is maturing. If you can get your 19k CAD through liquid, I suggest you submit a CSE showing the proof and LOE if needed.
 

vickdavinci

Member
Nov 27, 2018
10
0
36
Japan
Category........
Visa Office......
Sydney
NOC Code......
2174
App. Filed.......
23-01-2019
Doc's Request.
15-07-2019
AOR Received.
24-03-1988
Med's Done....
06-05-2019
It came as a big surprise to get PPR after back to back ADR Requests.. Thanks everyone for sticking around. Here is my timeline.

NO.OF. APPL: 3
CATEGORY : FSW-O
COUNTRY : INDIA
AOR - MAR 23
MEP - MAY 6
ADR - JUL 16
Supplementary Travel Information (IMM 5562E)
Additional family Information (IMM 5406E)
ADR - JUL 23
Schedule A Background Information (IMM 5669E)
PPR - JUL 26
 

vickdavinci

Member
Nov 27, 2018
10
0
36
Japan
Category........
Visa Office......
Sydney
NOC Code......
2174
App. Filed.......
23-01-2019
Doc's Request.
15-07-2019
AOR Received.
24-03-1988
Med's Done....
06-05-2019
So, not sure of the official response but keeping them informed cannot hurt. I would do that if I were you.. else you risk having the "you did not inform us before...." conversation.

So just to reduce the stress, Id suggest let them know.

2 things however, if you are coming back before 6 months stay in Japan, this becomes a long trip. Secondly, if your PPR does come in the meanwhile, it will be better to have it at the closest place for convenience and time sakes.
I was pondering on when to let them know about this and surprisingly came another ADR request from CIC asking us to send Schedule A IMM 5669E. After submitting the documents, it was a big surprise that PPR mail came. Dropped a note to CIC about submitting passports from Japan. Will keep everyone posted and thank you so much man for being around. Here is my latest timeline:

NO.OF. APPL: 3
CATEGORY : FSW-O
COUNTRY : INDIA
AOR - MAR 23
MEP - MAY 6
ADR - JUL 16
Supplementary Travel Information
Additional family Information
ADR - JUL 23
Schedule A Background Information
PPR - JUL 26
 

RAGHUVAR VADREVU

Star Member
Jun 1, 2019
79
25
It came as a big surprise to get PPR after back to back ADR Requests.. Thanks everyone for sticking around. Here is my timeline.

NO.OF. APPL: 3
CATEGORY : FSW-O
COUNTRY : INDIA
AOR - MAR 23
MEP - MAY 6
ADR - JUL 16
Supplementary Travel Information (IMM 5562E)
Additional family Information (IMM 5406E)
ADR - JUL 23
Schedule A Background Information (IMM 5669E)
PPR - JUL 26
Congrats buddy! Glad that all went well finally despite the ADRs...! Happy for u!
 

TEENA SUSAN

Member
Jun 3, 2019
19
2
Got PPR mail today so march AOR candidates are getting there mails now
Did anything change in your application status page after you got the mail?

I have given my consultant's email Id in my application, so I will know about PPR only after he tells me. I'm tensed that he will miss the mail.
 

vshl

Newbie
Mar 9, 2019
4
1
Got Ghost update today... when I logged in, PR status showed as updated but there wasn't any change in any column. When I re-logged in PR status changed back to submitted. Didn't got an email as well. Seems it's wait and watch game for now.
 
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