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sowp rejection

Naija Mahal

Newbie
Feb 23, 2024
9
1
An SOWP application was refused based on insufficient funds in january 2024. So, the applicant increased the funds and reapplied three weeks after rejection due to fear of new IRCC rule banning spouses from getting work permit and was stated in the letter of explanation why she had to reapply quickly again. Then GCMS note came out 2 weeks after resubmission and read thus



Application reviewed. Applicant has applied for an open work permit and intends to join their spouse in Canada, with their three accompanying minor children. From the review of their provided banks statements, I note periodic low funds and fluctuations in the account by the presence of lump- sum deposits not accounted for which does not satisfy me that the applicant will have access to the funds provided in support of the application, as the bank account demonstrates volatile balances and inconsistent income. Although applicant states accumulation of funds are from their joint savings with spouse and employment earnings, there is insufficient detailed information and documentation to clearly established the provenance of the funds presented.

Considering applicant's declared employment as a joint-proprietor for their family business “REDACTED ’registered on 2011/05/20, their financial information is not supported with an employment contract that includes salary composition, payslips or evidence of income tax paid to support the account balances on file. Limited information pertaining to the business operations and income earnings. Given applicant's banking transaction history, there is insufficient information provided to show the business financial establishment and financial viability to produce consistent inflow of stable funds. Therefore, I am not satisfied funds are sufficient to support both spouse, applicant and their three children during their stay in Canada. Application refused as per R200(1)(b).



Please what do you suggest she does in terms of raising a webform… Do you think raising a webform addressing above issues will be considered?
 

Naturgrl

VIP Member
Apr 5, 2020
39,661
8,162
An SOWP application was refused based on insufficient funds in january 2024. So, the applicant increased the funds and reapplied three weeks after rejection due to fear of new IRCC rule banning spouses from getting work permit and was stated in the letter of explanation why she had to reapply quickly again. Then GCMS note came out 2 weeks after resubmission and read thus



Application reviewed. Applicant has applied for an open work permit and intends to join their spouse in Canada, with their three accompanying minor children. From the review of their provided banks statements, I note periodic low funds and fluctuations in the account by the presence of lump- sum deposits not accounted for which does not satisfy me that the applicant will have access to the funds provided in support of the application, as the bank account demonstrates volatile balances and inconsistent income. Although applicant states accumulation of funds are from their joint savings with spouse and employment earnings, there is insufficient detailed information and documentation to clearly established the provenance of the funds presented.

Considering applicant's declared employment as a joint-proprietor for their family business “REDACTED ’registered on 2011/05/20, their financial information is not supported with an employment contract that includes salary composition, payslips or evidence of income tax paid to support the account balances on file. Limited information pertaining to the business operations and income earnings. Given applicant's banking transaction history, there is insufficient information provided to show the business financial establishment and financial viability to produce consistent inflow of stable funds. Therefore, I am not satisfied funds are sufficient to support both spouse, applicant and their three children during their stay in Canada. Application refused as per R200(1)(b).



Please what do you suggest she does in terms of raising a webform… Do you think raising a webform addressing above issues will be considered?
What information will be added by webform to the second application? This is a family of 5 so should be showing $30k+ in funds. Was children’s study permits refused to?
 

Naija Mahal

Newbie
Feb 23, 2024
9
1
What information will be added by webform to the second application? This is a family of 5 so should be showing $30k+ in funds. Was children’s study permits refused to?
Yes, children's study permit also refused.so, the information to be added to the webfor should be tax of the income the family business deposited into the principal applicant account, audited account of the business to show the business is liquid... letter from the bank showing they are both signatures to the business account
 

Naturgrl

VIP Member
Apr 5, 2020
39,661
8,162
Yes, children's study permit also refused.so, the information to be added to the webfor should be tax of the income the family business deposited into the principal applicant account, audited account of the business to show the business is liquid... letter from the bank showing they are both signatures to the business account
IRCC doesn’t usually accept business accounts. Banks statements are from personal accounts over a 4 month period of time showing stable funds. So they have sold the business and have the money if they are showing the business is liquid? How much in funds are they showing from personal accounts. Seems like they are dumping money Into an account that is not a personal bank account, and not showing financial stability.
 

Simba112

VIP Member
Mar 25, 2021
4,357
1,579
Yes, children's study permit also refused.so, the information to be added to the webfor should be tax of the income the family business deposited into the principal applicant account, audited account of the business to show the business is liquid... letter from the bank showing they are both signatures to the business account
that doesnt address volatility of transactions provided by applicant, including lump-some deposit to inflate bank statement for visa application
 
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Naija Mahal

Newbie
Feb 23, 2024
9
1
Business wasn't sold. The owner of the business doesn't have fluctuation in her balances and a lump sum was deposited from the business which the VO wasn't satisfied with. The PA showed 20kCAD then... before increment. Now, the PA showed a combine fund of 50k CAD in both PA and spouse account. But, still the increment comes from business into personal account .... so, how does the PA proof the lump sum deposit
 

canuck78

VIP Member
Jun 18, 2017
52,969
12,768
Business wasn't sold. The owner of the business doesn't have fluctuation in her balances and a lump sum was deposited from the business which the VO wasn't satisfied with. The PA showed 20kCAD then... before increment. Now, the PA showed a combine fund of 50k CAD in both PA and spouse account. But, still the increment comes from business into personal account .... so, how does the PA proof the lump sum deposit
Where are they wanting to study and how long is the program? That will have a major impact on how much they will need to show in terms of savings.

Although spouses are only mentioned in terms of not being able to accompany international students I would assume that children are also either not going to be able to get study permits or find it much more difficult because they provide a much larger burden on housing, healthcare and public schools, foodbank use and other charity use, limits the ability of parents to work while studying and children are much more challenging to support versus a spouse. There is also a shortage of childcare spaces and available childcare spaces can be very expensive which could limit be parent’s ability to attend classes if their child is of daycare age. Having children accompany you will limit housing options, much harder to reduce expenses to the bare minimum with children and it is much more difficult to have the funds to support children because they also limit your ability to work or you have to factor in the ability to pay and secure childcare. I find it strange than children accompanying international students have not been mentioned by Marc Miller and IRCC. Similar changes from the UK for example have address the whole family not just spouses when changes to international student policies weee announced.
 
Last edited:

Naija Mahal

Newbie
Feb 23, 2024
9
1
The sponsor or spouse is studying in Alberta, was a one year programme that was extended to two years in same college .
 

Simba112

VIP Member
Mar 25, 2021
4,357
1,579
The sponsor or spouse is studying in Alberta, was a one year programme that was extended to two years in same college .
So PA did not wait until receiving notes and go ahead to reapply. But as long as PA has proof of lump some and why was it deposited during visa application (motive) he/she can send to IRCC. No one can give you advise what to include on webform, you PA can do based on the information on hand. If you dont mind, what is PA country of origin and when he expects to finish studies?
 

canuck78

VIP Member
Jun 18, 2017
52,969
12,768
The sponsor or spouse is studying in Alberta, was a one year programme that was extended to two years in same college .
[/QUOTE

One of concerns in the GCMS notes is the fluctuation in account balance so how much does the account go down during the month before being paid your salaries? How much was the previous account fluctuating? For example were their withdrawals or 2k per month? 5k? 7k? Even though you have added more savings you would still anticipate having the same expenses to live every month. Have you explained where the extra 30k has come from? That is a a large difference so it would be important to explain where this money comes from. If for example you have an investment account and you liquidated some of your funds, if you have access to more savings that you could liquidate in the future as needed then that would change how your application is viewed.


Where in Alberta will have an impact? Especially in Calgary 50k will not be enough for a 2 year program. What is the tuition for 1 year? Just for your spouse his second year living expenses and tuition will likely be 35k alone if not more so that would only leave an extra 15k for you and your 3 years to live in Canada for 2 years. There is no exact figure so
 

Naija Mahal

Newbie
Feb 23, 2024
9
1
Country of origin is Nigeria
Study was to end in August 2024 but has been extended to July 2025 which has been sent via webform ..
Thanks for all the info
 

Simba112

VIP Member
Mar 25, 2021
4,357
1,579
Country of origin is Nigeria
Study was to end in August 2024 but has been extended to July 2025 which has been sent via webform ..
Thanks for all the info
What do you mean study was extended to July 2025 from original 1yr program? Did he apply for another program?
 

Naija Mahal

Newbie
Feb 23, 2024
9
1
No he came in with a one year study permit, changed programme in same college to a two years programme and got extended
 

Simba112

VIP Member
Mar 25, 2021
4,357
1,579
No he came in with a one year study permit, changed programme in same college to a two years programme and got extended
So he will be most likely affected with a cap this time based on information that he re-apply three weeks after rejection in January