NewStats: 3,264,441 , 8,183,722 topics. Date: Wednesday, 11 June 2025 at 06:13 AM 1w6b3y

Please, can anyone help with any info on this? Any at all?

lastimmigrant:
Hi friends,

I'm here with a friend who is a bit confused regarding bank statements and certification letter.

Her POF amount is complete at the moment for a single applicant, 1/3 of it was a gift. But her savings shows an active inflow and outflow of funds in the past 9 months. A few lump sums(nothing more than 550k+) received and withdrawals of almost similar amounts(300k+) within the last 6 months. The POF was initially complete even before she started thinking of CA...but its been going off and on but at the moment its complete now and won't be touched. The lump sums were from online investments and small jobs here and there...no proof to show the source except for the 1/3 percentage of POF as gift deed. She legally worked hard and it's her own money not borrowed or anything. We have just calculated now and the average bank balance for 6 months is only 55% of the POF required of a single applicant. She is my best friend and i want her to come with me to Canada. Will she get rejected because of this?

Please, what do you suggest she does in this case? Will she need to open a fixed deposit or...?

Also, her gift deed is from her mummy. Should the gift deed include the Ottawa Canada Address or it only needs to be notarized by a notary public?

Hi friends,

I'm here with a friend who is a bit confused regarding bank statements and certification letter.

Her POF amount is complete at the moment for a single applicant, 1/3 of it was a gift. But her savings shows an active inflow and outflow of funds in the past 9 months. A few lump sums(nothing more than 550k+) received and withdrawals of almost similar amounts(300k+) within the last 6 months. The POF was initially complete even before she started thinking of CA...but its been going off and on but at the moment its complete now and won't be touched. The lump sums were from online investments and small jobs here and there...no proof to show the source except for the 1/3 percentage of POF as gift deed. She legally worked hard and it's her own money not borrowed or anything. We have just calculated now and the average bank balance for 6 months is only 55% of the POF required of a single applicant. She is my best friend and i want her to come with me to Canada. Will she get rejected because of this?

Please, what do you suggest she does in this case? Will she need to open a fixed deposit or...?

Also, her gift deed is from her mummy. Should the gift deed include the Ottawa Canada Address or it only needs to be notarized by a notary public?

Thanks GboyegaD,

This was helpful!

GboyegaD:


Regarding number 4, I wrote a brief note explaining the time challenge to get one however, I attached the one I got before my last visit to the US.

Greetings, Greetings.

Thanks for your prompt response. I will get the essential document(s) legalized by a notary and provide a detailed letter of explanation where necessary.

Thanks again.

greetings:


1a. Use your savings .. It's fine as long as it wasn't opened recently.
b. It's advised to notorize your gift deed.

2.since you don't have pay stubs, you MAY wish to print statement of your salary just to show proof that you get paid for work done. It doesn't matter if it's zero balance, as long as there's cash inflow from your employer.

3. I don't get why you would want to include this but if for PCC purpose and you have spent an ACCUMULATED time of six months in both or one of them.. Get the PCC from the country.

4.i don't know much about this but.... If at the time of submitting your application it doesn't get in... Write a LOE as to why you're submitting without It and also show proof that you have indeed applied but haven't been issued one.... Maybe people who are familiar with this can help.

5. No need...

6 no one can really give you a LOE format.... It's more of a statement or explanation.... Just writing a small note to explain your situation. You can write one LOE and outline what you want to explain... A lump sum. If your inflow is good... You may not have much problem until you have a lump sum that doesn't tally with your regular inflows... Those can raise suspicions.... Do well to write a good LOE on how you got whatever you feel is a lump sum and attach any ing evidence ....


Pseeeww!! Note that I'm not a guru in POF matters, this is from my personal experiences and opinions.

Goodluck.

Hi. There has been a lot of useful tips on this forum. Thanks for offering your sincere and informative . I do have a few questions, I'm not sure how whacky they are but thanks, everyone in advance for contributing.

1. I will like to use only my savings for my POF. This is not my salary as my salary is almost empty but I have made some savings over a period in this and have also gotten a gift deed for a lump sum that was transferred to my .
a.)Is it possible to use only my savings ? I also have some s that have zero in them and the banks still send me annoying emails.
b.) Do I need to notarize the gift deed form already signed by donor and donee?

2. I do not get payslips from my work, what alternative is there...considering that I'm not using my almost dead salary that has been spent on unnecessary things now that I think of it. Will the reference letter alone fulfill CIC expectations?

3. I have been in training a few times in the US and UK and was paid during these periods. Will my reference letter need to mention this or do I need to state this in my LOE or since it was a job duty I don't have to?

4. I have applied for my Identity History Summary Checks — FBI PCC a week after my ITA. I'm aware of their delayed process.
a.) Is there anyone here who has submitted their eAPR without the PCC, if yes, what did you submit while waiting for the PCC to arrive?
b.) And did you get any response from CIC regarding submitting the FBI PCC within a time period using the CSE platform?

5. Quite confusing this one. If your company sends you on a job assignment overseas to a country you have already gotten a PCC for, after your eAPR has been submitted...do you need to get another PCC for that same country?

6. What determines what a lump sum is if say your salary is 400k monthly? I would also be grateful if anyone has the format for an LOE for POF to explain lump sum? If i had a few lump sums in the past just on the verge of 6 months, do I need to get LOE for each or one comprehensive LOE should be good enough?

I'm honestly appreciative and anticipate your replies.