My PR application was refused after 5 months of waiting. I am so distraught. The refusal letter stated that I do not have sufficient funds. However, this is not the case. I sent in all my bank statements and the one with the most money is a joint account with family members. I feel like that one caused the problem. The money is mine but I just wonder if the other names are the problem. I'm not the primary holder of the account. I have requested to see the notes on my file but do you think that my case is worth applying for reconsideration by just sending certified letters from a lawyer explaining that the money is mine or should I reapply all over again?