fatima04:


Trust you. Boss d boss

Lols.. I dey hail o.

Inkredible:


Manage

D.A.M.N

You just made me hungry
More hungrier..

fatima04:


Assin ehn, very weird. My neighbour is a child minder but has 2 cats, just thot in my mind how my child will be rubbing body with black cats up and down

Rubyventures:
does anyone know the best exchange rate today ? thanks

495

marylandcakes:


495

Really pls what website, highest have seen dis past weeks is 475

Ok cool I go start with going to naija vs England for Wembley on June 2nd Saturday, am sure single naija babes go full there.

fatima04:


Really pls what website, highest have seen dis past weeks is 475

the rates on the websites are always very low. This rates are what the independent money transfer businesses use and they charge a commission of £5 per £100.

marylandcakes:
the rates on the websites are always very low. This rates are what the independent money transfer businesses use and they charge a commission of £5 per £100.

.

Ook, thanks,was wondering but with all the charges it will end up on almost the same cost I guess.

fatima04:
.

Ook, thanks,was wondering but with all the charges it will end up on almost the same cost I guess.

Most times, you get more using app related transfer portals........

fatima04:
.

Ook, thanks,was wondering but with all the charges it will end up on almost the same cost I guess.

No it wouldn’t the difference is much, I like to shop around, I have about 4 people I use, I use the one with the best rate. And the money is in your account instantly. You can ask your fellow Nigerians to recommend someone for you.

marylandcakes:


No it wouldn’t the difference is much, I like to shop around, I have about 4 people I use, I use the one with the best rate. And the money is in your account instantly. You can ask your fellow Nigerians to recommend someone for you.

You are just a transaction away from losing money... I will rather lose the N2000 difference.

sammydoe:
Abeg were all the single females in London hangout? Can't seem to see any without a baby in their late 20s or early 30s.

Did you not go to the wizkid show... Omoge plenty

wonlasewonimi:


You are just a transaction away from losing money... I will rather lose the N2000 difference.

Fair enough, I’ve been using about two of them for more than 10 years now .At the end of the day it’s what you feel comfortable with. When it comes to your hard end money you’ve got to be extra careful.

na small girls dey go wizkid shows, like teenagers and early 20s babes

how person fit get england vs naija match this saturday in wembley ?

sammydoe:
na small girls dey go wizkid shows, like teenagers and early 20s babes

No be wetin you dey find b dat? Catch them young......

Lexusgs430:


No be wetin you dey find b dat? Catch them young......

shey o mo age re nii?!

daamazing:
Lol, they even allow pets stay in the house, sleep on their bed. Funny ish

some people like pets more than their fellow human beings

Geetrix:
shey o mo age re nii?!

Remember Bianca vs Ojukwu?

Geetrix:
shey o mo age re nii?!

This new slang is really overtaking the airwaves.....

Ps dear friends, a friend of mine that the hubby lives and works in the UK said, the hubby is unable to get accomodation beacuse of he has a very bad credit history which has made it very difficult for him to get an apartment because of this issue my friend said she is unable to visit her husband. I advised her to tell her hubby to look for one room self apartment so that she can visit but she said the hubby refused her coming to stay in one room apartment with him, that it is against the law. She has been so sad. Ps I want to ask how difficult it is for one to rent apartment with bad credit?
If it is very difficult how can one rent with bad credit
Does it mean that the hubby can not rent again? Ps I need advice. Moreso she complained that the hubby is not doing his permanent job again, he now changed to agency job. His reasons is beacuse they pay agency staff well than permanent staff, ps how true is that? The hubby works as health care assistant in the hospital. Is health care assistant really a good job, because she complained to me that they d'nt pay him well. Ps dear friends I need y advice to really know how I can talk to her.

monchat:
Ps dear friends, a friend of mine that the hubby lives and works in the UK said, the hubby is unable to get accomodation beacuse of he has a very bad credit history which has made it very difficult for him to get an apartment because of this issue my friend said she is unable to visit her husband. I advised her to tell her hubby to look for one room self apartment so that she can visit but she said the hubby refused her coming to stay in one room apartment with him, that it is against the law. She has been so sad. Ps I want to ask how difficult it is for one to rent apartment with bad credit?
If it is very difficult how can one rent with bad credit
Does it mean that the hubby can not rent again? Ps I need advice. Moreso she complained that the hubby is not doing his permanent job again, he now changed to agency job. His reasons is beacuse they pay agency staff well than permanent staff, ps how true is that? The hubby works as health care assistant in the hospital. Is health care assistant really a good job, because she complained to me that they d'nt pay him well. Ps dear friends I need y advice to really know how I can talk to her.

How bad is his credit history? With a bad credit history it is difficult to rent a flat but not impossible, as a precaution he might have to put down a larger security deposit. I know people who don’t live in the UK but rent apartments and put down larger deposits. Also it is not illegal for couples to share a room. Loads of couples rent rooms, even some with one or two kids. There might be a few cases where the landlords might state in the advert “no couples” but I down see anywhere where you are breaking any law.

Regarding the job, health care assistant is not that bad a job, loads of people are using it to look after large families and pay mortgages. Yes in some cases the agency might pay more but having a permanent job is more secure, will help to built up his credit rating and also help with the home office to apply for his wife to come.

I hope I have tried to answer your question, there might be others on the thread who might want to add to this.

marylandcakes:


How bad is his credit history? With a bad credit history it is difficult to rent a flat but not impossible, as a precaution he might have to put down a larger security deposit. I know people who don’t live in the UK but rent apartments and put down larger deposits. Also it is not illegal for couples to share a room. Loads of couples rent rooms, even some with one or two kids. There might be a few cases where the landlords might state in the advert “no couples” but I down see anywhere where you are breaking any law.

Regarding the job, health care assistant is not that bad a job, loads of people are using it to look after large families and pay mortgages. Yes in some cases the agency might pay more but having a permanent job is more secure, will help to built up his credit rating and also help with the home office to apply for his wife to come.

I hope I have tried to answer your question, there might be others on the thread who might want to add to this.

Thanks so much for your prompt reply. I was asking her she kept crying and said is something relating to money that was sent to the hubby in the bank. she made mention of £40,000 that was sent to his account, the hubby withdraw some and next time he went to collect the money his account was frozen and he was tag fruad Star in his credit fille so since then it has been very difficult for the hubby to rent an apartment. I keep asking, how did the money came about, she said it was 2ru business, so i will just advice her to tell her hubby to get one room apartment so that she can visit with her 6months visa. Because she said the hubby keepd saying that no one is allowed to share one room in uk with y spouse, I got confused and said but here in Nigeria couple can share one room even with their kids.

Well for the agency job I will talk to her about it. But agency job is the same thing like contract job here in Nigeria and payslips are been given right? So does it mean with agency job the hubby can not fill for her? People that apply for spouse visa must their hubby av a permanent job? Can one not apply with agency job for permanent stay and spouse visa application? Ps kindly let me know. I am indeed feeling for her

I think there is something hubby is not telling wife. £40 is not enough to be labelled as a fraud, the account must have been used on a large scale for fraud. Wifey needs to interrogate hubby more.

I just hope that hubby was not sacked from his job. Reason being that if you are applying for a spouse to come you will need a permanent job as the hours are more guaranteed. Agency job sometimes you will be at home for a week without pay.

Rubyventures:
I think there is something hubby is not telling wife. £40 is not enough to be labelled as a fraud, the account must have been used on a large scale for fraud. Wifey needs to interrogate hubby more.

I just hope that hubby was not sacked from his job. Reason being that if you are applying for a spouse to come you will need a permanent job as the hours are more guaranteed. Agency job sometimes you will be at home for a week without pay.

I mean £40,000. No I asked her why is her hubby not doing the permanent job again, she said that he resigned and pick up agency work because he compared his friend that is doing agency work with his permanent job and found out that the friend makes more than him every month. She said the hubby is been paid £1200 at the hospital he works why his friend that does agency do correct £3000 every month, so the hubby was shocked and decided to resign and pick agency work to earn more. I still asked her if there are jobs to cover the agency monthly salary, she said hubby told her yes, that he works like jaki every day. Lol

monchat:


I mean £40,000

Now you are talking.

Ha, Ha , Long throat

The bank makes this kind of mistake all the time, I know of someone who about £200k was accidently paid into her account, until that money was removed she kept panicking.

People get arrested for this kind of thing.
I doubt if he will be able to invite anyone with such a record, he has committed a crime. It might not be a crime in Nigeria but in the UK it is. You don't touch or tamper with anything that is not yours.

Rubyventures:


Now you are talking.

Ha, Ha , Long throat

The bank makes this kind of mistake all the time, I know of someone who about £200k was accidently paid into her account, until that money was removed she kept panicking.

People get arrested for this kind of thing.
I doubt if he will be able to invite anyone with such a record, he has committed a crime. It might not be a crime in Nigeria but in the UK it is. You don't touch or tamper with anything that is not yours.

But he said the money belongs to the hubby. He did not steal it, the money was paid in his account. She only said that the hubby explained to her that his credit history is very bad bc of that fruad that was tag on him and the hubby said he has no criminal records, that he has been aving a good criminal record that is been sent to him every month. The hubby av been working as permanent staff and she said that the bank stuff happend around 2015.

monchat:


But he said the money belongs to the hubby. He did not steal it, the money was paid in his account. She only said that the hubby explained to her that his credit history is very bad bc of that fruad that was tag on him and the hubby said he has no criminal records, that he has been aving a good criminal record that is been sent to him every month. The hubby av been working as permanent staff and she said that the bank stuff happend around 2015.

You said the money was paid into his account? was it a mistake by the bank or did he allow his account to be used by fraudsters?

That still doesn't make the money his.

Rubyventures:


You said the money was paid into his account? was it a mistake by the bank or did he allow his account to be used by fraudsters?

That still doesn't make the money his.

She just told me the money was sent to him for the business he did.

my 2cents

Its so unusual for someone with a salary of #1,200 to suddenly get a deposit of #40,000....It will be red-flagged as money-laundering....whatever business, and if it were legitimate, he should be able to resolve with the bank....Her husband has probably defaulted on some of his bills to have earned bad credit....eg, maybe he bought an expensive car and defaulted on payment or a contract phone or credit cards. Therefore, any landlord before taking him up will check to see if he can truly afford to pay rent. When you default on your payments even if by negligence, you are automatically red flagged and nobody wants a bad debtor, evidenced by bad credit.

The other thing is some people refuse to get credit cards because they are afraid of running into debts, but don't realise they are not building any credit history. Then one day they decide to go get a mortgage or finance a car and are told they can't afford it!

Maybe if her hubby manages his finances well as a locum HCA he can improve his credit rating, he doesn't sound to be financially responsible...sorry to say

Lol wire wire. He would have had cifas marker on his credit file. Let him say goodbye to getting anything in UK. Even to get oyster card will be like hell.

monchat:
Ps dear friends, a friend of mine that the hubby lives and works in the UK said, the hubby is unable to get accomodation beacuse of he has a very bad credit history which has made it very difficult for him to get an apartment because of this issue my friend said she is unable to visit her husband. I advised her to tell her hubby to look for one room self apartment so that she can visit but she said the hubby refused her coming to stay in one room apartment with him, that it is against the law. She has been so sad. Ps I want to ask how difficult it is for one to rent apartment with bad credit?
If it is very difficult how can one rent with bad credit
Does it mean that the hubby can not rent again? Ps I need advice. Moreso she complained that the hubby is not doing his permanent job again, he now changed to agency job. His reasons is beacuse they pay agency staff well than permanent staff, ps how true is that? The hubby works as health care assistant in the hospital. Is health care assistant really a good job, because she complained to me that they d'nt pay him well. Ps dear friends I need y advice to really know how I can talk to her.

This is a very sad story and I’m sorry but the man is not trying at all. He doesn’t seem to be making an effort to get her over because there are ways around this.

First of all, he can apply for some credit building cards that can fix his credit rating with time. This isn’t the best option but If he is responsible enough, this might go away.

Secondly, because he has a bad credit rating doesn’t mean he can’t get a place to live (also it’s a not true that he can’t live with his wife in a one-bed apartment, I’m telling you, there’s something fishy going on with him- anyway not my business but it could help her to really investigate. So that she can either manage the marriage or walk out). Anyway, To fix his house problem he can rent an apartment with someone that has a good credit score (he must have friends or colleagues), then he would get a guarantor and pay more deposit.

Thirdly, if that money was not gotten through mago-mago means, all he has to do is explain to the bank and give them proof. I work in a bank so I know first that that this would have been rectified if he had provided proof of the legit business that gave him such money.

Finally, agency workers do get paid a lot more, however there’s more security in working on a permanent basis, it can go a long way in making the bank or landlord see his a credible.


So my dear, the problem isn’t how the UK is unfair to him, but the fact that uncle is not being truthful to Aunty about his circumstances.