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Living In The Uk/life As A UK Immigrant - Travel (41) - Nairaland

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Re: Living In The Uk/life As A UK Immigrant by DaveChapelle: 6:45pm On Jun 13, 2018
MadameKofo:
Or the ones that believe you've suddenly become wealthy because you're now earning in pounds.
My husband's sibling is getting married and they are expecting him to drop 2million naira. If you see the list shocked shocked shocked shocked. For wedding o. If it was a business and needed money for capital that would even have made more sense.
Renewing our visa alone is over £5000, we wana buy a car and saving towards a house.
They have refused to understand. My husband had to stop taking calls from Nigeria when they started guilting him. It became really irritating. On top HIS own money o.





Lol, after you mise and manage your own expenses here, then you give out 3- 4 months savings? for strangers to eat up in one day

1 Like

Re: Living In The Uk/life As A UK Immigrant by Aphrodite007(f): 7:59pm On Jun 13, 2018
Lexusgs430:


On the contrary Madam, some jobs require credit checks. A bad credit would mean the applicant does not get the job..........

Oh no, what I meant is that he doesn’t have control of the outcome of the credit check if he needs it for a job. But he has control over a credit check for a credit card by making sure he applies for the right credit card and would have lived here for at least 6 months.

If he applies for a job now with his none-existent credit history, last last they will turn him down if they won’t manage him like that- he has no control over that, is what I meant.
Re: Living In The Uk/life As A UK Immigrant by Lexusgs430: 8:04pm On Jun 13, 2018
Aphrodite007:


Oh no, what I meant is that he doesn’t have control of the outcome of the credit check if he needs it for a job. But he has control over a credit check for a credit card by making sure he applies for the right credit card and would have lived here for at least 6 months.

If he applies for a job now with his none-existent credit history, last last they will turn him down if they won’t manage him like that- he has no control over that, is what I meant.


Fully understood, I probably drank too much zobo and not fully understanding your points....

If the applicant with 0 credit check applies for a job, they can still get the job.

It depends on the employer and how the applicant sells himself/herself........
Re: Living In The Uk/life As A UK Immigrant by fatima04: 9:00pm On Jun 13, 2018
MadameKofo:
Or the ones that believe you've suddenly become wealthy because you're now earning in pounds.
My husband's sibling is getting married and they are expecting him to drop 2million naira. If you see the list shocked shocked shocked shocked. For wedding o. If it was a business and needed money for capital that would even have made more sense.
Renewing our visa alone is over £5000, we wana buy a car and saving towards a house.
They have refused to understand. My husband had to stop taking calls from Nigeria when they started guilting him. It became really irritating. On top HIS own money o.


That is the thing oo they expect you to contribute *meaningfully* but then maybe you have also sent them huge money before and they feel you can easily afford this or made them privy to your income and they have converted to naira in there mind forgetting that cost of living is totally different

4 Likes

Re: Living In The Uk/life As A UK Immigrant by fatima04: 9:01pm On Jun 13, 2018
teejay231:


Congratulations. I had a similar kind experience and refused to give up till I eventually got what I wanted.

Thanks
Re: Living In The Uk/life As A UK Immigrant by fatima04: 9:02pm On Jun 13, 2018
Aphrodite007:


Thanks Fati. I have a job but I would have loved one in my field and expertise. When I say I gave up, I mean that I gave up searching for a job in my field and just accepted this one that I have (which is still lovely but pays £10-15k of what I should earn normally). I will work for my current employer, after a few months I’ll start looking for in my field again. Thanks for the encouragement.

Ohh got you, any way na way oo as long as it is professional and development comes. Good dear

1 Like

Re: Living In The Uk/life As A UK Immigrant by fatima04: 9:05pm On Jun 13, 2018
But why reject a candidate based on credit score even when the candidate may be a good fit and employee??

Don't get
Re: Living In The Uk/life As A UK Immigrant by Aphrodite007(f): 9:22pm On Jun 13, 2018
Lexusgs430:



Fully understood, I probably drank too much zobo and not fully understanding your points....

If the applicant with 0 credit check applies for a job, they can still get the job.

It depends on the employer and how the applicant sells himself/herself........

grin didn’t know zobo use to high somebody!

Exactly! Credit check for a job should be the least of his worries unless he has bad credit history. My work place are crazy strict with credit checks (to avoid fraudulent acts) but I still got employed with my minimal existing credit history. But when it came to getting my credit card, I didn’t gamble like that grin
Re: Living In The Uk/life As A UK Immigrant by Aphrodite007(f): 9:25pm On Jun 13, 2018
fatima04:
But why reject a candidate based on credit score even when the candidate may be a good fit and employee??

Don't get

For banks for instance, they want to know you are responsible and will not steal customer data/money. Once you have bad credit history, lai lai o, thy would rather take a prisoner over you. They believe people with bad credit history mostly gamble and can’t risk someone like that around people’s money/data. Like we were warned to not even share where we work on social media grin, you go fear secret service now!

1 Like 1 Share

Re: Living In The Uk/life As A UK Immigrant by Lexusgs430: 9:50pm On Jun 13, 2018
Aphrodite007:


grin didn’t know zobo use to high somebody!

Exactly! Credit check for a job should be the least of his worries unless he has bad credit history. My work place are crazy strict with credit checks (to avoid fraudulent acts) but I still got employed with my minimal existing credit history. But when it came to getting my credit card, I didn’t gamble like that grin

This type zobo is a special something.....

1 Like

Re: Living In The Uk/life As A UK Immigrant by wonlasewonimi: 11:24pm On Jun 13, 2018
Aphrodite007:


For banks for instance, they want to know you are responsible and will not steal customer data/money. Once you have bad credit history, lai lai o, thy would rather take a prisoner over you. They believe people with bad credit history mostly gamble and can’t risk someone like that around people’s money/data. Like we were warned to not even share where we work on social media grin, you go fear secret service now!

Who will take take people with criminal record? That is why everything you do in UK, you have to put your career path into consideration. If you are going for roles that require security clearance like DV and SC, they will want to know eveything about you including who you are having extra marital affairs with an so on...it is that intrusive and it takes like 6 months to process. During that period, if you are on site, you will be escorted everywhere including toilet breaks. In my last role, they had to escort one guy out of the site after a week cos they found something during his security checks.

Please protect your credit and avoid criminal records even traffic offences.

5 Likes

Re: Living In The Uk/life As A UK Immigrant by fatima04: 1:04pm On Jun 14, 2018
Aphrodite007:


For banks for instance, they want to know you are responsible and will not steal customer data/money. Once you have bad credit history, lai lai o, thy would rather take a prisoner over you. They believe people with bad credit history mostly gamble and can’t risk someone like that around people’s money/data. Like we were warned to not even share where we work on social media grin, you go fear secret service now!

Ohh, got it now. Thanks for d clarification

1 Like

Re: Living In The Uk/life As A UK Immigrant by fatima04: 1:06pm On Jun 14, 2018
wonlasewonimi:


Who will take take people with criminal record? That is why everything you do in UK, you have to put your career path into consideration. If you are going for roles that require security clearance like DV and SC, they will want to know eveything about you including who you are having extra marital affairs with an so on...it is that intrusive and it takes like 6 months to process. During that period, if you are on site, you will be escorted everywhere including toilet breaks. In my last role, they had to escort one guy out of the site after a week cos they found something during his security checks.

Please protect your credit and avoid criminal records even traffic offences.

Na wa oo is it dt serious ni, please what's DV and SC, no mind me for asking
Re: Living In The Uk/life As A UK Immigrant by wonlasewonimi: 1:12pm On Jun 14, 2018
fatima04:

Na wa oo is it dt serious ni, please what's DV and SC, no mind me for asking

Yes na serious matter... Based on the sensitivity of the work environment

Security Check and Developed Vetting

1 Like 1 Share

Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 2:46pm On Jun 14, 2018
Aphrodite007:


Is the credit check for a job or credit card? If it’s for a job, it doesn’t matter what comes out but if it’s for a credit card, I’ll advice you wait till you’ve lived here for at least 6 months, then use comparethemarket to find a credit building card or “initial” card (these are the only cards that you have have with no credit history but the interest is so high so ensure you pay back ALL).

So just fill the most you can for the dates and submit. And make sure it’s an initial card you’re applying for o, it goes against you if you apply for a credit card and get declined. (It will show on your credit check).

passing credit job for a job that requires such really matters.

i know someone that had a job offer withdrawn just because of a missed telephone bill. apparently, he was sent an unusually high phone bull and he chose to dispute it. however rather than paying off the bill first and then disputing it with his mobile operator, he chose not to pay the bill. it went down on his file as a missed payment.

1 Like

Re: Living In The Uk/life As A UK Immigrant by wonlasewonimi: 2:51pm On Jun 14, 2018
Ralphlauren:


passing credit job for a job that requires such really matters.

i know someone that had a job offer withdrawn just because of a missed telephone bill. apparently, he was sent an unusually high phone bull and he chose to dispute it. however rather than paying off the bill first and then disputing it with his mobile operator, he chose not to pay the bill. it went down on his file as a missed payment.

RBS will withdraw any employment contract if you have a default on your credit file.
Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 3:00pm On Jun 14, 2018
fatima04:


Just put 3years in that section, it's just coding and programming when you are ready.

However beware of credit checks that early, read somewhere that a bad check can affect ur scoring and also you have not done much to have a score albeit a good one.

Advise is build up for a couple of months say 6month by paying house rent,all your utility bills via direct debit, register to vote.

It's a gradual process that builds up from continuous inflow and outflow of cash regularly and timely

credit decisioning does not work that way.

there are software used to run checks on applicants that can within seconds check and confirm how long the applicant has lived at a particular address. if a firm uses such software, then expect your application to be refused. if there is a suspected discrepancy, a few might ask you to present paperwork confirming you've actually lived at the address for the duration you've claimed.

finally, i wont suggest telling lies in an application to obtain credit. it is seen as fraud and people do get in trouble for it.

there are other ways to build up one's credit history. a bank overdraft as low as £50 -£100 is an example.
Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 3:03pm On Jun 14, 2018
wonlasewonimi:


RBS will withdraw any employment contract if you have a default on your credit file.

you are right. I know a white dude that was with LBG and was offered a contract with RBS. the offer was withdrawn all because he had ONE missed mortgage payment from years ago which he claimed was as a result of an issue with his bank.

most companies especially financial institutions do not joke with an untidy credit file.
Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 3:08pm On Jun 14, 2018
wonlasewonimi:


Yes na serious matter... Based on the sensitivity of the work environment

Security Check and Developed Vetting

not forgetting their 5years UK continuous residency requirement. lol

1 Like

Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 3:13pm On Jun 14, 2018
fatima04:


Congrats Fatima04!!

Just remember- No religion, No politics (or hardline Conservative politics), No strong smelling food for lunch-either naija or Indian, going for lunch/group event once in a while is not a bad thing

Congrats Fati. Persistence pays.

You did well for putting to shame the fellow that said it was impossible for you to get a professional job as an immigrant mother.

I will share some tips on how to play UK office politics and excel at your role.

p.s. are you planning to port to Australia? cheesy shebi you've only 'just' landed in the UK.

1 Like

Re: Living In The Uk/life As A UK Immigrant by wonlasewonimi: 3:17pm On Jun 14, 2018
Ralphlauren:


you are right. I know a white dude that was with LBG and was offered a contract with RBS. the offer was withdrawn all because he had ONE missed mortgage payment from years ago which he claimed was as a result of an issue with his bank.

most companies especially financial institutions do not joke with an untidy credit file.

They are a crazy bunch. They don't waive it for anyone...since they dropped so many people after the failed Williams and Glyn project, I won't touch them with a large barge pole. The fuckeers spent £2bn on a project and decided to cancel it.
Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 3:24pm On Jun 14, 2018
wonlasewonimi:


They are a crazy bunch. They don't waive it for anyone...since they dropped so many people after the failed Williams and Glyn project, I won't touch them with a large barge pole. The fuckeers spent £2bn on a project and decided to cancel it.

RBS matter requires divine intervention. that their 'project rainbow' was an absolute disgrace. It made a lot of guys millionaires though. grin

the plus with RBS is that they offer relatively long contracts. I know peeps that have been contracting with them for 4years +
Re: Living In The Uk/life As A UK Immigrant by wonlasewonimi: 3:46pm On Jun 14, 2018
Ralphlauren:


RBS matter requires divine intervention. that their 'project rainbow' was an absolute disgrace. It made a lot of guys millionaires though. grin

the plus with RBS is that they offer relatively long contracts. I know peeps that have been contracting with them for 4years +

Yes o. Guys made shitload from RBS but they flooded the market with contractors making it tough to get roles. It's part of the reason PM roles became useless (my opinion sha).

Fatima04's effort is commendable most guys give up easily. I remember when I started, I must have gone for like 100 interviews. I messed up some because I was using the same phone. A recruiter could call whilst I was on the bus and I answered and started misyarning.

So I got the trick to get a burner phone... Any call that I receive through that I know it's for work... And sometimes I let them drop voicemail so I go to quiet area to deal with them. There is always the odd recruiter that would take interest in you and give you the chance you need.

2 Likes

Re: Living In The Uk/life As A UK Immigrant by Ralphlauren(m): 4:23pm On Jun 14, 2018
wonlasewonimi:


Yes o. Guys made shitload from RBS but they flooded the market with contractors making it tough to get roles. It's part of the reason PM roles became useless (my opinion sha).

Fatima04's effort is commendable most guys give up easily. I remember when I started, I must have gone for like 100 interviews. I messed up some because I was using the same phone. A recruiter could call whilst I was on the bus and I answered and started misyarning.

So I got the trick to get a burner phone... Any call that I receive through that I know it's for work... And sometimes I let them drop voicemail so I go to quiet area to deal with them. There is always the odd recruiter that would take interest in you and give you the chance you need.


I agree @ PM roles.

Anthing PM related - Project manager oh, PMO analyst oh, PMO support oh, blah blah are getting quite hard to come by these days. at its peak, PMO Analyst roles (glorified admin assistant in my own opinion) grin were cashing as much as £300 -£500 a day but now the roles are being advertised for as low as £150-£200 and those paying well are usually domain specific. the Project Manager roles these days come with very stringent requirements

my trick with them recruiters is to allow their call ring to voicemail. most times they leave a voicemail and/or a follow up email asking me to contact them. this gives me time to prepare before returning their call.

5 Likes

Re: Living In The Uk/life As A UK Immigrant by DaveChapelle: 4:44pm On Jun 14, 2018
is it normal to compulsively check your account balance every 30min to 1hr?
Re: Living In The Uk/life As A UK Immigrant by Mamatukwas: 5:11pm On Jun 14, 2018
DaveChapelle:
is it normal to compulsively check your account balance every 30min to 1hr?

If your expecting an 'alert' yes grin

2 Likes

Re: Living In The Uk/life As A UK Immigrant by fatima04: 5:59pm On Jun 14, 2018
Ralphlauren:


credit decisioning does not work that way.

there are software used to run checks on applicants that can within seconds check and confirm how long the applicant has lived at a particular address. if a firm uses such software, then expect your application to be refused. if there is a suspected discrepancy, a few might ask you to present paperwork confirming you've actually lived at the address for the duration you've claimed.

finally, i wont suggest telling lies in an application to obtain credit. it is seen as fraud and people do get in trouble for it.

there are other ways to build up one's credit history. a bank overdraft as low as £50 -£100 is an example.

Not for credit application but to check credit score, it automatically sets to error message if u enter less than 3years in that section
Re: Living In The Uk/life As A UK Immigrant by fatima04: 6:03pm On Jun 14, 2018
Ralphlauren:


Congrats Fati. Persistence pays.

You did well for putting to shame the fellow that said it was impossible for you to get a professional job as an immigrant mother.

I will share some tips on how to play UK office politics and excel at your role.

p.s. are you planning to port to Australia? cheesy shebi you've only 'just' landed in the UK.

Thank you oo, glad I was able to prove them wrong positively.

Expecting those tips boss because that's my next hurdle.

@Australia, lol not at all. Though hubby is already considering the location but I like UK for it's proximity to naija. Just helping a sister of mine with the PR processes.
Re: Living In The Uk/life As A UK Immigrant by DaveChapelle: 6:47pm On Jun 14, 2018
fatima04:


Thank you oo, glad I was able to prove them wrong positively.

Expecting those tips boss because that's my next hurdle.

@Australia, lol not at all dough hubby is already eyeing Drs but me like UK for it's proximity to naija. Just helping a sister of mine with the processes.

na wa for this construction oh....needed a translator grin
Re: Living In The Uk/life As A UK Immigrant by sammydoe: 9:33pm On Jun 14, 2018
Abeg this virgin and BA luggage fees is it confirm and true? And is it only for their naija routes or other routes too .
Re: Living In The Uk/life As A UK Immigrant by Greenvilla(m): 9:34pm On Jun 14, 2018
Hi guys thanks for all your contributions on the credit search.

From my research it seems it is impossible to actually get a credit report as an individual if you cannot provide about 5 years UK address history.
Just as @Ralphlauren said

“there are software used to run checks on applicants that can within seconds check and confirm how long the applicant has lived at a particular address. If a firm uses such software, then expect your application to be refused”

My credit search is meant to be for a job, I wanted to have an idea of what prospective employers will see on my report.
Re: Living In The Uk/life As A UK Immigrant by fatima04: 10:16pm On Jun 14, 2018
DaveChapelle:


na wa for this construction oh....needed a translator grin

English police wehdone sir cheesy cheesy, response was to my post on another thread.

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