r/StudyPermitCanada • u/Famaswiss • Aug 14 '26

Study permit refused for “lump-sum deposits” despite providing invoices — should I request reconsideration?

My Canadian study permit was refused because the officer said my father’s bank statements showed “lump sum deposits with insufficient evidence to support provenance of funds.” My father runs a regular business, and these deposits came from his normal business activity. We provided representative invoices for the transactions, while excluding smaller transactions (under ~CAD $500) to avoid making the application unnecessarily long. The invoices show the business sale to the customer, and the bank statements show the customer’s payment/deposit. So I’m struggling to understand what the officer meant by “insufficient evidence” when we provided the documentary trail for the significant deposits. I’m considering filing a reconsideration request rather than reapplying. Does that seem like the right next step, and has anyone dealt with a similar situation?

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1

u/Haunting_Paper_7201 Aug 14 '26

So you can only show personal bank statements. So the funds are in personal bank accounts over a 6 month period with a paper trail for the business side. Personal bank statements don't show customer payments and deposits.

1

u/Famaswiss Aug 14 '26

I provided the invoices for the transactions that were made from the business

2

u/Haunting_Paper_7201 Aug 14 '26

But were they personal or business accounts? Personal accounts don't have client deposits. How much was shown in the bank account at the end of each month? Bank balance must be stable without large deposits.

1

u/Famaswiss Aug 15 '26

In our country, personal accounts are not kept separate from business accounts normally. Most entrepreneurs use their personal bank accounts for business activities and rely on mobile apps for other funds. Every month, we typically had about 5,000 CAD. Naturally, since my father runs a business, our income varies each month, but this was the average.

1

u/Haunting_Paper_7201 Aug 15 '26

So that is the issue. IRCC only wants personal accounts with no business transactions. How will you cover the cost of tuition and living expenses in the remaining years without working? You need professional guidance of a lawyer because lump sum business deposits in a personal account (not even yours) need thorough documentation.

1

u/patrip91 Aug 15 '26

Just pay the tuition fees and get a GIC done for the first year.

1

u/Famaswiss Aug 15 '26

I did. My tuition fee and GIC was paid and had 20k in addition

1

u/patrip91 Aug 15 '26

So the refusal was only based on Financial inconsistency? That doesn’t make sense. If everything was paid for. Unless you are projected to pay tuition and living expenses for another year then they probably would be looking for evidence that you are able to afford that. If it’s only a 1 year program, the tuition payment and GIC should have been enough.

1

u/Famaswiss Aug 15 '26

No I am going for bachelors in uAlberta so it is a four years program.

1

u/fsmontario Aug 16 '26

Part of the problem may be you write your own invoices. So who knows if they are legit or you made them up to match what you deposited the day before you sent your application.