Factual Background
3 The appellants are citizens of India. They applied for Student (Temporary) (Class TU) visas on 13 April 2011. The first appellant was the main applicant, and the second appellant, who is her husband, was the second applicant. The grant of a visa to the second appellant depended upon the grant of a visa to the first appellant. The basis of the student visa application was that the first appellant was enrolled in a course leading to the award of a Certificate III in Hospitality.
4 By a letter dated 15 April 2011, a delegate of the Minister wrote to the first appellant informing her she needed to provide further information within 28 days. Relevantly, the first appellant was told she needed to provide:
evidence [of] sufficient funds to support yourself, and any family members accompanying you, in Australia for the duration of you course of study. This includes:
Course Fees $11,950
Living expenses $34,294
Travel expenses $4,000
TOTAL AUD $50,240
…
Appellants must demonstrate their funds have been held for at least 6 months immediately before the date of the application …
5 This request was based on the criteria set out in cl 572.223(2)(a)(i)-(iii) of the Regulations, read with cl 5A405 of Sch 5A, and also read with applicable determinations made by the Minister about the sums of money required to cover living costs for such student visa applicants.
6 On 18 May 2011, having received no response to this request and no evidence of funds, the delegate refused to grant the student visas on the basis the first appellant had not provided evidence of sufficient funds to support herself and the second appellant.
7 On 6 June 2011, the appellants applied to the Tribunal for review of this decision. As part of that application their then migration agent made a submission to the Tribunal about why the first appellant had not provided the evidence of funds to the delegate. Relevantly, the migration agent stated:
We advised to act on behalf of our Client (KIRANDIP KAUR) to lodge MRT application with you under section 347 of Australian Migration Act 1958. For your information we attached the following documents with this application:
• The applicant Refusal Letter from Department of Immigration and Citizenship.
• Filled form M1 for review for applicant.
• Medical Evidence for client and her father who was sick back home.
• The applicant presented to the Tribunal evidence of his financial capacity to undertake the study, including evidence of the bank loan obtained by his mother, declarations, evidence relating to his father's income and other materials.
• Medibank Health Insurance Receipt.
My client have lodged the Student (Class TU, Subclass 572) Visa application 13th April 2011 with DIAC. As mention on Refusal letter Visa Officer asked for documents which must be provided to the DIAC within 28 days starting from 15th April 2011. Visa Officer had done his/her job.
Application was lodged by one of Migration Agent In Melbourne CBD. I think as per duty of care as a Migration agent he should notify the applicant about the deadline for submission. But he did not even send them an email or any letter in post let know the applicant about documents asked by the DIAC. Applicant is on Student Visa In Australia from more two years. She do not have any understanding about what is the legal time frame or legal terminology of Immigration. Applicant is just an layman. Her agent can send a request to Visa officer for more time to submit the documents. But he did not bother about it.
But compelling circumstances arisen during her Visa processing with DIAC which were beyond her control. The reason for refusal was Clause 572.233 and Clause 5A405 of Schedule 5A. Due to medical situation back home. Because her father was seriously sick back home (see attached evidence) she could not concentrate on to collect the documents on time. Circumstance were beyond her control. She could not say to her sick father in the hospital to go and collect the documents for her. She was in Mentally depression as well due to her father medical condition (Please see medical certificate evidence).
If we look into the previous record of the applicant she never have any issue in Regards to her study in Australia. Her conduct during study time in Australia was Perfect. From her last record she had full attendance and satisfactory academic records in Australia. She never had any issue with college or with DIAC in the past. If we look into her past records in Australia please allow her one more chance to complete her study in Australia. So he look forward her future brightly with her Australian Education. Because once again what ever happen it was not under her control. For following reason I believed it was beyond under control
• Her Father was seriously sick back home.
• She was mentally depress as well in Australia for her father at that time.
• She was not aware with 28 days period time to submit the documents.
• She is aware with legal terminology of the Australia Immigration law or relevant legislation.
8 Some medical certificates in respect of the first appellant and a letter on the letterhead of one "Dr Dilbag Rai" from the Civil Hospital Mahilpur, Hoshiarpur in the Punjab were attached.
9 The appellants were sent an invitation to appear before the Tribunal and were told that the Tribunal would be assessing the criteria set out in Sch 5A of the Regulations. The Tribunal invited them to provide evidence of sufficient funds for that purpose. Relevantly, the Tribunal stated:
You are therefore invited to provide the following:
…
4. Current evidence that you satisfy the English language, financial capacity and 'Other' requirements in any of the alternative ways applicable for your assessment level set out in Schedule 5A for the purposes of cl.572.223(2)(a)(i). Please note the following:
• If you intend to show funds from a source in India, the Minister (on review, the Tribunal) must be satisfied that the financial institution is acceptable. See
http://www.india.embassy.gov.au/ndli/vm%5fstudyloans.html for a detailed list. Funds from financial institutions not listed may not be accepted.
• I draw your attention to the requirement to provide evidence that the regular income of any person (including yourself) providing funds to satisfy financial capacity requirements was sufficient to accumulate the level of funding being provided by that person; as well as the requirement to provide evidence of your relationship to this person which demonstrates they are an 'acceptable individual'.
• The Tribunal will assess you against the applicable Schedule 5A criteria, based upon your enrolment at the time the Tribunal makes its decision, taking into account any changes to your enrolment which have occurred since you lodged your visa application. For example, the amount of funds you must demonstrate to satisfy Schedule 5A financial criteria may have changed, reflecting changes in the length of your course and the amount of course fees outstanding. If you have enrolled in a new course, depending on the type of evidence of funds you provide, you may be required to show a savings history for 6 months prior to the date of your visa application. Furthermore, if your principal course has changed, you may be assessed against a different visa subclass, in which case different Schedule 5A criteria would apply.
5. Evidence that, while you hold the visa, you will have access to the funds demonstrated or declared in accordance with the financial capacity requirements of Schedule 5A for the proposed period of your stay in Australia, as required by cl.572.223(2)(a)(iii). Without limiting the ways in which this requirement may be satisfied, where you have shown evidence of a loan which is secured against a money deposit, the Tribunal specifically invites you to provide the following:
• evidence of the source of funds used to create that money deposit;
• evidence of the regular income of any person providing those funds (for example, official tax records); and
• where the funds were obtained from selling land or a dwelling, evidence of a registered deed of sale, and that money has been received from the purchaser.
10 The Tribunal's reasons record that the first appellant handed up to the Tribunal on the day of the hearing (12 November 2012) "a batch of term deposit receipts in the name of her father".
11 In fact, on the evidence before the Court, these documents appear to be term deposit receipts in the name of the first appellant's mother. That difference seems immaterial given the definition in the relevant schedule of "acceptable individual" as including parents.
12 The Tribunal focused on the question whether the first appellant met the "Schedule 5A requirements" in respect of adequate funding for the term of her studies, this being the reason the delegate had refused to grant the student visas.
13 On this matter, the Tribunal found:
24. The applicant has provided 10 term deposit receipts in her father's name. Whilst their combined face value equates with the amount of funds required, only three were issued before the date of application for the visa on 13 April 2011. However, these were only established in March 2011, and therefore were not held for six months immediately prior to the date of application. The Tribunal therefore disregards them
25. The applicant has provided no other claim or evidence pertaining to her funds.
26. On the basis of the above, the Tribunal finds that the applicant has not given evidence, in accordance with the requirements in Schedule 5A for Subclass 572 and the assessment level to which she is subject, in relation to the necessary financial capacity. Accordingly, the applicant does not satisfy the requirements of cl.572.223(2)(a)(i).
14 Accordingly, the Tribunal affirmed the delegate's decision.