imnotconfused:


I wish!!! Make we dey go,who knows the decisions we will take sef.

@fatima04

Congrats Fatimaaaa
Fantastic news!!! Do and splurge on work clothes..Asos,zara,m&s,next have affordable clothing.
I nor dey primark abeg,wash and rinse one time and it's gone.Eg I used to get my childrens pyjamas from there but every second na tear tear. I now do their pyjamas in h&m,m&s,Tu for sainsbury and they've not failed me,last longer and wash better.
I don't see the point in buying 100 nonsense things ,that you will end up replacing.

Office politics,i don't know mann.

Usual chat..Hello Jane, how was your weekend? classic answer 'Great,i went to loch lomond with my bf and we watched the birds and played a little golf then went to tea in that posh corner,we met up with his mother(kill me now) *brittle laugh*..

How was yours Fatima? You can't just say fine and shut up.Fine? eheeeee? what next?(that's how they'll be looking at you..how can you just say fine?what happened to make it fine?

Normal reply is ' Good too,we took the kids to watch peppa pig live in manchester...*insert fake laugh**it was great. Or ' I spent the weekend at home trying to get some sleep,did my cleaning and some cooking' etc etc

Prepare to hear life history immediately you meet someone & be prepared to be asked everything,i mean EVERYTHING! People aren't that hidey hidey about anything ,money o,relationship o.It's not like naija everything shrouded in secrecy..It's not being done for you to be best friends,it's just normal gist.

You will learn how to moan about the weather,weather discussion is a serious matter & usual opening to start long chat

There are some naija opinions you will have to learn to keep to yourself eg same sex relationships,trans,divorce,cohabitation,smoking,drinking and vomitting etc.You will meet all sorts of people in your work place & learn that everyone is a person free to love however they choose.
Everything you spat at in naija will start appearing normal to you.

You will also learn fast that someone you talked with for 1 hour the day before can see you next day ,keep straight face and pass you without blinking.Don't take it personal,you sef will learn the art of air kissing,staccato laughs & straight face the next day.

You may have to attend office teas,office christmas parties etc to show you are a team player and also to network.Good luck with that,i have managed to escape a lot so far as my job is fast paced.


People who work in office spaces will come soon to say more..enjoy!!

You cracked me up reading this, you are a comedian. Your description of a typical workplace here is perfect. I could have swore you worked at my place.
As a matter of my policy if I need to get work done I never ask how are you doing ( or you with get a full transcript of medical history) or how was your weekend? ( you will need to buy popcorn to listen)
You will party together at the work drink. The next day everyone has a straight face. Lol

wonlasewonimi:


If I am your OH, I wouldn't let you open a joint account with me considering the bad state of the credit rating. I can hazard a guess that he has got ccj, that will affect your bank job if you don't know. Banks and other financial services review employees credit standing periodically. If they realise you are linked to someone or you are in financial mess, that's the job on the line.

OH

My dear it’s not him deciding on the joint account o, when it comes to finances, I’m the decision maker even though he is the higher earner, so he just lets me do what I want so we won’t fight (yesterday he said it’s wrong to be Nigerian (loud) and woman (always fighting over everything)

Everything you guys have typed will help me make an informed decision. I really appreciate it. Yeah he has a ccj but I don’t know what that is. He was just irresponsible when he was young and has spent the last 5 years trying to clean this mess.

It is well

dupyshoo:
Don't think you can have any positive influence on him for now as you are just building your credit history.

As other people have said, joint account will automatically link the 2 of you. The person will be your financial associates. It will not affect your credit score but it will be on your credit report. Most lenders and employers will be interested in the credit history of the person and can use that to make decision on whether to lend you money or not. Employers in the financial industry might also be interested as your financial associates can influence your behaviour financially.

With regard to credit score, I don't think you should be bothered about it for now. Just concentrate on building your credit history and avoid any defaults/ missed payments. You can ask your hubby for his credit report and score and see the impact of the defaults. This might help when making the decision whether to open a joint account with him or not.

Thanks I understand it now.

Aphrodite007:


OH

My dear it’s not him deciding on the joint account o, when it comes to finances, I’m the decision maker even though he is the higher earner, so he just lets me do what I want so we won’t fight (yesterday he said it’s wrong to be Nigerian (loud) and woman (always fighting over everything)

Everything you guys have typed will help me make an informed decision. I really appreciate it. Yeah he has a ccj but I don’t know what that is. He was just irresponsible when he was young and has spent the last 5 years trying to clean this mess.

It is well

CCJ means county court judgement and it not good, even for basic credit , no body will such a person with a badge pole.

I think it takes about 6 or seven years to come off your records.

marylandcakes:
I think it takes about 6 or seven years to come of your records.

That's if you don't touch or acknowledge it. If you are managing it and trying to be nice by paying back in bits... It will be there like methuselar

imnotconfused:


For black presence you'll need to move to glasgow.My area i think we are just 3-4 blacks living in different parts,jam by mistake kind of thing and yet too busy to socialise. I usually import my naija pals kids to play with mine or export them to play at theirs ie if you are looking for african flava.

There are african stoes in glasgow naa,why are you getting yam and plantain from london

KSS- Kent surrey sussex.. I think while in scotland and i say im going down south,means im going to england. North england is yorkshire,harrogate and co. South is London and home counties?I'm not very versed in england matter,i hope those who live there can enlighten us.

from wikipedia : North–South divide in the United Kingdom. In Great Britain, the term North–South divide refers to the economic and cultural differences between Southern England and the rest of Great Britain (Northern England, The Midlands, Wales and Scotland). The divide cuts through the English Midlands.

Lol thanks for this.. you tried

As for that raising kids/nursery-primary decisions/peculiarity of each child/how they react in school eh... I feel like we need a whole new thread for that! My kids are only in nursery but are struggling to blend in with the rest of thier classmates. 1 is to boisterous, the other is way too quiet and cries a lot so I feel they don't know how to handle him. Gets me worried I won't lie but I keep calming myself and want to give it small time. The issues are plenty but God will help us... just sha know that you are not alone.

marylandcakes:


CCJ means county court judgement and it not good, even for basic credit , no body will such a person with a badge pole.

Yeah thanks for explaining. It’s been sorted out. No more joint account. He is even happy Cos this way I don’t monitor his expenses. Thanks a lot guys.

I am really enjoying this wonderful thread, I av learnt alot. U guys rock. Keep it up! On this credit score one need to be financially responsible to av a good credit history.

My hubby cousin sister, was telling me almost the same thing last week when she came visiting, that the hubby is in a serious bad credit, even she mentioned this ccj, she said the hubby has been unable to pay bk his debts so it is seriously affecting them, they can not even rent a house, bc they want to move out from London to outskirt. She said every house they get, d landlord refuses them bc of d bad credit and she is not working, just taking care of her kids. She really complained badly on it. I was just like saying na wa for this UK, one can not rent a house bc of bad credit or buy a house, na wa o! Nigeria good! Lol. I learnt from her that one need to be financially responsible in this country. But she later said that after six years that the record will be cleared off, that if the record is not cleared, that her hubby is planning to relocate to another country bc, he is not able to do anything, the credit is really disturbing him alot. ps house how is this truth? Can his record be wipe out a/f 6years without him paying? How can he start building up another credit, will this affect him through out his stay in the UK? I am curious to know o! Let me better warn my hubby to be careful. Let us manage what we have.

Aphrodite007:


Yeah thanks for explaining. It’s been sorted out. No more joint account. He is even happy Cos this way I don’t monitor his expenses. Thanks a lot guys.

You are welcome. You’ll still need to monitor his expenses lol

wonlasewonimi:


That's if you don't touch or acknowledge it. If you are managing it and trying to be nice by paying back in bits... It will be there like methuselar

Lol,

Killingmesoftly:
I am really enjoying this wonderful thread, I av learnt alot. U guys rock. Keep it up! On this credit score one need to be financially responsible to av a good credit history.

My hubby cousin sister, was telling me almost the same thing last week when she came visiting, that the hubby is in a serious bad credit, even she mentioned this ccj, she said the hubby has been unable to pay bk his debts so it is seriously affecting them, they can not even rent a house, bc they want to move out from London to outskirt. She said every house they get, d landlord refuses them bc of d bad credit and she is not working, just taking care of her kids. She really complained badly on it. I was just like saying na wa for this UK, one can not rent a house bc of bad credit or buy a house, na wa o! Nigeria good! Lol. I learnt from her that one need to be financially responsible in this country. But she later said that after six years that the record will be cleared off, that if the record is not cleared, that her hubby is planning to relocate to another country bc, he is not able to do anything, the credit is really disturbing him alot. ps house how is this truth? Can his record be wipe out a/f 6years without him paying? How can he start building up another credit, will this affect him through out his stay in the UK? I am curious to know o! Let me better warn my hubby to be careful. Let us manage what we have.

It will be much better for this man to have some sort of agreement with his creditors and be paying little by little, the reason why I say this is because six years is too long to put your life on hold and I think there is a clause somewhere, ( lawyers in the house please correct me if I’m wrong) if your creditors find out that you have come into money in the future, they can still come after you.

imnotconfused:


I wish!!! Make we dey go,who knows the decisions we will take sef.

@fatima04

Congrats Fatimaaaa
Fantastic news!!! Do and splurge on work clothes..Asos,zara,m&s,next have affordable clothing.
I nor dey primark abeg,wash and rinse one time and it's

Thank you for this details oo, came at the right time.

dupyshoo:
Congrats Fatima once again!! So happy that your resilience and hardwork paid off.

Thanks sis. U really helped a great deal. God bless.

Killingmesoftly:
I am really enjoying this wonderful thread, I av learnt alot. U guys rock. Keep it up! On this credit score one need to be financially responsible to av a good credit history.

My hubby cousin sister, was telling me almost the same thing last week when she came visiting, that the hubby is in a serious bad credit, even she mentioned this ccj, she said the hubby has been unable to pay bk his debts so it is seriously affecting them, they can not even rent a house, bc they want to move out from London to outskirt. She said every house they get, d landlord refuses them bc of d bad credit and she is not working, just taking care of her kids. She really complained badly on it. I was just like saying na wa for this UK, one can not rent a house bc of bad credit or buy a house, na wa o! Nigeria good! Lol. I learnt from her that one need to be financially responsible in this country. But she later said that after six years that the record will be cleared off, that if the record is not cleared, that her hubby is planning to relocate to another country bc, he is not able to do anything, the credit is really disturbing him alot. ps house how is this truth? Can his record be wipe out a/f 6years without him paying? How can he start building up another credit, will this affect him through out his stay in the UK? I am curious to know o! Let me better warn my hubby to be careful. Let us manage what we have.

If you go to citizens advice. They will advice you on how to clear the debts If you cant afford to pay back. You will pay a one time fee of 90 pounds.

Killingmesoftly:
I am really enjoying this wonderful thread, I av learnt alot. U guys rock. Keep it up! On this credit score one need to be financially responsible to av a good credit history.

My hubby cousin sister, was telling me almost the same thing last week when she came visiting, that the hubby is in a serious bad credit, even she mentioned this ccj, she said the hubby has been unable to pay bk his debts so it is seriously affecting them, they can not even rent a house, bc they want to move out from London to outskirt. She said every house they get, d landlord refuses them bc of d bad credit and she is not working, just taking care of her kids. She really complained badly on it. I was just like saying na wa for this UK, one can not rent a house bc of bad credit or buy a house, na wa o! Nigeria good! Lol. I learnt from her that one need to be financially responsible in this country. But she later said that after six years that the record will be cleared off, that if the record is not cleared, that her hubby is planning to relocate to another country bc, he is not able to do anything, the credit is really disturbing him alot. ps house how is this truth? Can his record be wipe out a/f 6years without him paying? How can he start building up another credit, will this affect him through out his stay in the UK? I am curious to know o! Let me better warn my hubby to be careful. Let us manage what we have.

Do not ever believe that debt gets wiped off, it never does..... It would drop off the credit history, but debt would still be chased......

The original financial institution simply sells the debts on to another company, who would keep chasing the debt almost forever........

marylandcakes:


It will be much better for this man to have some sort of agreement with his creditors and be paying little by little, the reason why I say this is because six years is too long to put your life on hold and I think there is a clause somewhere, ( lawyers in the house please correct me if I’m wrong) if your creditors find out that you have come into money in the future, they can still come after you.

If you manage to buy a property in the intervening period and the debt is not statute barred, the property would have a charge put on it.

When you remortgage or sell the property, the charged debt would be removed automatically before you get any of the money left.....

Regarding debts generally, let's assume the person never pays this debt, but has life insurance.... At the demise of the debtor, his estate would still be charged this debt and is fully deductible from any payouts received....

So you see, the debt never dies (not unless the debtor owns absolutely nothing).......

sharpboyus:


If you go to citizens advice. They will advice you on how to clear the debts If you cant afford to pay back. You will pay a one time fee of 90 pounds.

One of the only ways to settle debts is either through IVA or going bankrupt.....

Both situations needs to be evaluated throughly by the debtor............

Killingmesoftly:
I am really enjoying this wonderful thread, I av learnt alot. U guys rock. Keep it up! On this credit score one need to be financially responsible to av a good credit history.

My hubby cousin sister, was telling me almost the same thing last week when she came visiting, that the hubby is in a serious bad credit, even she mentioned this ccj, she said the hubby has been unable to pay bk his debts so it is seriously affecting them, they can not even rent a house, bc they want to move out from London to outskirt. She said every house they get, d landlord refuses them bc of d bad credit and she is not working, just taking care of her kids. She really complained badly on it. I was just like saying na wa for this UK, one can not rent a house bc of bad credit or buy a house, na wa o! Nigeria good! Lol. I learnt from her that one need to be financially responsible in this country. But she later said that after six years that the record will be cleared off, that if the record is not cleared, that her hubby is planning to relocate to another country bc, he is not able to do anything, the credit is really disturbing him alot. ps house how is this truth? Can his record be wipe out a/f 6years without him paying? How can he start building up another credit, will this affect him through out his stay in the UK? I am curious to know o! Let me better warn my hubby to be careful. Let us manage what we have.

When we had a full blown discussion about managing debt & credit card on UKmigrant's thread. Those that did not understand the value of the discussion completely misunderstood the points......

The only way to rent a property having a bad credit, is to have a guarantor......

The guarantor would be liable for 100% of the debt, if the tenant defaults...... Would many guarantors that have perfect credit score want to take a chance? NO

How many perceived guarantors themselves have impeccable credit ratings? Very few........

Lexusgs430:


If you manage to buy a property in the intervening period and the debt is not statute barred, the property would have a charge put on it.

When you remortgage or sell the property, the charged debt would be removed automatically before you get any of the money left.....

I knew there was something. Thanks for refreshing my memory.

Do you remember the story of the young lad who went bankrupt to avoid paying his debts? He later won the lottery, I tell you one thing! The rate at which all his creditors came crawling out of the woodworks, was faster than Usain Bolt wining the 200metres. . The Judge ruled in their favour, when they were finished with him, he declared himself bankrupt again.

Hey guys, not to change the subject. This topic is about British Nigerians and Caribbeans.

https://www.youtube.com/watch?v=XnWsJK5TjTU

In this video, they discuss the differences between the different family structures, expectations and the future of people of African descent in the UK.

marylandcakes:


I knew there was something. Thanks for refreshing my memory.

Do you remember the story of the young lad who went bankrupt to avoid paying his debts? He later won the lottery, I tell you one thing! The rate at which all his creditors came crawling out of the woodworks, was faster than Usain Bolt wining the 200metres. . The Judge ruled in their favour, when they were finished with him, he declared himself bankrupt again.

That is the way o..... They encourage you to incur debts, they put the borrower in a bad financial place and then chase the borrower and bombard with calls, text, letters, balliffs, court orders etc etc etc

Financial disciple is very good, but circumstances beyond the lenders control, throws them off the cliff (with no parachute)......

Lexusgs430:



When we had a full blown discussion about managing debt & credit card on UKmigrant's thread. Those that did not understand the value of the discussion completely misunderstood the points......

The only way to rent a property having a bad credit, is to have a guarantor......

The guarantor would be liable for 100% of the debt, if the tenant defaults...... Would many guarantors that have perfect credit score want to take a chance? NO

How many perceived guarantors themselves have impeccable credit ratings? Very few........

Thanks for your insight lexus. So hubby is paying back his ccj, can’t that positively affect his score? Also is there a way to make it faster? If he declares bankruptcy can his score start afresh? Can he declare bankruptcy even though he has a great job?

Aphrodite007:


Thanks for your insight lexus. So hubby is paying back his ccj, can’t that positively affect his score? Also is there a way to make it faster? If he declares bankruptcy can his score start afresh? Can he declare bankruptcy even though he has a great job?

If he is paying back all his debts, a certificate would only be issued after all the debt is clear. And the lender(s) adjust records on credit file accordingly....

Bankruptcy is not an issue to be taking lightly, he needs to read up on it thoroughly and seek proper financial advice.

Bankruptcy is good if that is the only option, but not the perfect solution.....

Aphrodite007:


Thanks for your insight lexus. So hubby is paying back his ccj, can’t that positively affect his score? Also is there a way to make it faster? If he declares bankruptcy can his score start afresh? Can he declare bankruptcy even though he has a great job?

The only way to affect his credit score positively, is to pay up all the debts on time. Since he is got a great job, it is assumed he has worked out a payment plan with his lenders...

Let's assume he is paying £100 pcm on a £20,000 debt, in 12 months, he would have only paid back £1200.

So from my above calculation, you see how long it would take to fully pay debt back...

The only solution is to increase amount paid, to shorten length and get a clear CCJ certificate issued....

If your plan is to buy a property, plenty brokers avaliable to source for funds from the open market (rates might be higher, but better than paying dead rent money)....

Lexusgs430:


The only way to affect his credit score positively, is to pay up all the debts on time. Since he is got a great job, it is assumed he has worked out a payment plan with his lenders...

Let's assume he is paying £100 pcm on a £20,000 debt, in 12 months, he would have only paid back £1200.

So from my above calculation, you see how long it would take to fully pay debt back...

The only solution is to increase amount paid, to shorten length and get a clear CCJ certificate issued....

If your plan is to buy a property, plenty brokers avaliable to source for funds from the open market (rates might be higher, but better than paying dead rent money)....

I didn’t know he could just pay it up, it’s little remaining so we can pay that up in a very short time to get the ccj cert. do this mean that he will stop having a bad credit score? He has a loan he pays off to improve his credit rating, and I want to advice him to get a credit card too. He was irresponsible when he was young, not now, especially as he knows I’m a hawk when it comes to keeping our finances in check.

Thank you so so so much to all of you. You literally just saved me from doom. I wish there was a handbook to teach people how to live in the UK.

Aphrodite007:


I didn’t know he could just pay it up, it’s little remaining so we can pay that up in a very short time to get the ccj cert. do this mean that he will stop having a bad credit score? He has a loan he pays off to improve his credit rating, and I want to advice him to get a credit card too. He was irresponsible when he was young, not now, especially as he knows I’m a hawk when it comes to keeping our finances in check.

Thank you so so so much to all of you. You literally just saved me from doom. I wish there was a handbook to teach people how to live in the UK.

You should be advising against him getting another credit card and not getting one...

Aphrodite007:


I didn’t know he could just pay it up, it’s little remaining so we can pay that up in a very short time to get the ccj cert. do this mean that he will stop having a bad credit score? He has a loan he pays off to improve his credit rating, and I want to advice him to get a credit card too. He was irresponsible when he was young, not now, especially as he knows I’m a hawk when it comes to keeping our finances in check.

Thank you so so so much to all of you. You literally just saved me from doom. I wish there was a handbook to teach people how to live in the UK.

Most high street banks would not touch any lender with adverse credit history.....

If your intention is to buy a property, look at using a broker....

Lexusgs430:


You should be advising against him getting another credit card and not getting one...

I thought credit cards build credit history fast. He doesn’t need it, the whole point is just to build credit history. So he would spend £20 and pay it back in full. Anyway he refused, I just wanted to get your opinion to know if I should insist on it or not.

Aphrodite007:


I didn’t know he could just pay it up, it’s little remaining so we can pay that up in a very short time to get the ccj cert. do this mean that he will stop having a bad credit score? He has a loan he pays off to improve his credit rating, and I want to advice him to get a credit card too. He was irresponsible when he was young, not now, especially as he knows I’m a hawk when it comes to keeping our finances in check.

Thank you so so so much to all of you. You literally just saved me from doom. I wish there was a handbook to teach people how to live in the UK.

Yeah you could pay it off...afterwards, get him to sign up to https://www.moneysavingexpert.com/creditclub this will show you full experian credit report free for life (I paid 14.99/month for over 3 years till i discovered this).
From there you could see how long he has got left until the CCJ drop off. There is absolutely nothing he can do to improve his credit if a CCJ marker is on the file.

Aphrodite007:


I thought credit cards build credit history fast. He doesn’t need it, the whole point is just to build credit history. So he would spend £20 and pay it back in full. Anyway he refused, I just wanted to get your opinion to know if I should insist on it or not.

He probably got his fingers burnt by CC, first time around.... And you expect him to welcome temptation again?

Wiseman...... When you see evil, you run.....

The concept of CC is evil....... They magic e - money, and you payback real money.......

It's should not be called credit card, but a debt card.......