Hello, My visa application was refused some weeks ago due to proof of inadequate funds. (This is related to my father's bank statement). He borrowed some people money in the past, but they've paid back now. My mother transferred $5,000 to him from her own account. He also collected a bank loan of about $26,400 Canadian dollars. The whole funds I have available right now is about $56,100 Canadian dollars. I came across a site which says eye brows will be raised at the visa office if a lump sum of money is suddenly found in the account especially after a visa refusal. Please what can I do about this? Should I give an explanation in my letter of how I came about the funds? is it also a crime If my father took a loan from the bank and external sources to make the funds up???