Ilekokonit:


For some it helps reshape thinking but don't forget that the Brits shot themselves in the foot around 2004/05 when they did what was called Non-Appearance Visa when you could get a Visa without going for a face to face interview at the Embassy and all you needed do then was send your documents though a drop box system.

This meant a lot of people who would otherwise not get a visa in a face to face interview secured visas and the stock of Nigerians in the UK kept getting degraded the more and apart from that even the so called educated Nigerians in the UK still show off to themselves on any and everything be that job status, salary, home ownership status, home size, car price, kids private schools, etc, etc and that's why I don't really keep friends any more and all I have now are acquaintances whereby once we leave the beer parlor I may not see them until my next visit which may be in months. I choose carefully when and who to see now.

Keeping Nigerian friends is like another drama in itself. For instance whats the point of having a friend who believes in visiting soothsayers and prophets who purportedly see visions ? In London o.

And seeing that you are the average of the 5 people you spend the most time with , I choose carefully those I call my friends as it is better to be alone than to be in the wrong company.

Foe example, you will be surprised that there are lots of Nigerians in London (young and old) who believe in babalawo's and fetishness and actively rely on and consult such charlartans !!!!!

I had a friend who once housed his cousin in London when his cousin was doing a masters degree. Lo and behold, he searched his cousins box one day and found a goat horn filled with juju stuff like the ones babalawos use in Nollywood films. He confronted his cousin and his cousin said he was only using the goat horn filled with juju for protection. In London o. So I wouldn't be surprised if there are more fetish Nigerians per square mile in London than in some cities in Nigeria.

There is a restaurant owner in London who once told me that he came to his shop one day and met a calabash filled with sacrificial juju in front of his shop and he thinks it was put there by one of his more successful competitors on the same road. That restaurant has closed down now and I personally have seen a calabash filled with fetish stuff - boiled eggs, agidi, palm oil placed at a 3 way junction road in broad daylight in a part of London where there are a lot of Nigerians and even all these restaurants we go to in London, only the Grace of God has probably been saving us as a friend told me he once went into a Nigerian restaurant in London unannounced before the lady opened up and he heard the owner on the phone with her jazz man in Nigeria asking him what amount of the "stuff" he gave her she should put into the soup. Luckily for us, that restaurant has also closed down now.

So, the moral of the story is that you may actually find more decent people in Nigeria than some Nigerians living in the UK.

justwise:


That has happened to me once because I used the back brake while riding on the snow, that bike formed figure 8 and I went home with few bruises.

wealthtrak:

I respect a lot of your thoughts
here. Well said.

Nigerians worldwide have to develop emotional intelligence, balance, financial education, and
collaborative thinking for the
good of all. Books such as
"Think and Grow Rich" by
Napoleon Hill, and "80/20
Principle" by Robert Koch will enable people to find a balance
in their lives instead of showing
off or oppressing others... Kinda like "Do you know who I am?"


But I disagree with you demonising other people's religious beliefs.

I'm not an adherant of the
Ifa religion (Yoruba religion) but
I have studied the global spread
of the Ifa faith to Cuba, Brazil,
Trinidad and Tobago, U.S.A,
UK, due to the late 1700s and 1800s trans-Atlantic deportation
of Yorubas via slave schooners
and legal migration after 1900.


There are over 10,000 Babalawos (Ifa priests) in Cuba alone among Afro-Cubans and white Cubans and
Professor Wole Soyinka regularly visits Cuba on invitation to give
lectures about the Yoruba religion. Fidel Castro even gave a rousing welcome to Ooni Sijuade anytime he came to Cuba to see the Yoruba Diaspora being the leader from the Source or Ife.

Bahia in Brazil is another major focal point of Yoruba culture and religion from the 1800s, and one of the sons of Alaafin Abiodun of the Oyo Empire (his son was taken as a war prisoner and shipped to Brazil where he got married).

His wife then gave birth to a prominent son in Brazil who served and distinguished himself in the
Brazilian army in the 1800s.
Dom Foncecao was his name.


I have a deep knowledge of comparative religion right from
the early 1980s which breeds tolerance and respect for other wide range of global faiths/religions
and states of awareness.


Now, the Ifa priests (Baba Alawo) negative potrayal in some of
those Nigerian movies is false, defamatory, and is usually done
by especially ignorant Christians and some Muslim film producers who create fictional movie scripts without consulting the real Babalawos for guidance.



Internationally prominent Ifa priests or Babalawos such as
the 3 men below:

1. Professor Wande Abimbola (a former two-term Vice Chancelor
of OAU in Ile Ife).

2. Professor Odeyemi (a nationally prominent Geologist in FUTA from Ekiti State, who worked on accurate earthquake or earth tremor
predictions. In 1985, he said an earthquake fault line runs from the
Atlantic ocean through Lagos State right up to Oyo State).

3. Chief Elebuibon

...and more have on many
occasions in newspaper articles corrected this defamation by letting people know that it is against the spiritual laws for people to say Babalawos kill for rituals because there are karmic consequences or repercussions for doing so.

The Ifa belief system emphasises purity of thought and spiritual balance. I personally respect them
for that.


"TERMINOLOGIES"
1. The Yoruba term Babalawo is wrongly used by some ignorant folks and some sections of the media for "Herbalists" and "ritualists," but Babalawos (Ifa priests) - the priests of the Yoruba religion, are the equivalents of Roman Catholic and Anglican church priests or Buddhist priests or monks, etc, who are in charge
of religious liturgy.

2. Onisegun (the Yoruba name for
a Herbalist who uses herbs or plants to treat people like you have
Herbalists in China, India, UK, U.S.A).

3. Oloogun ika (the Yoruba name
for those who commit evil or use diabolic or psychic means to harm others).

I hope this helps to
clarify things.

Cheers!

dustydee:

Thank you for this. I have learned something from it.

sgtponzihater1:


Yorkshire is very big so depends where. But a great region in my opinion. Generally affordable. Lots of countryside and places to see. Being a Frugal person, I am drawn to affordability more than anything else. York itself is a dream, but I wouldn't go there as it's nearly as expensive as London.

justwise:


Have a look at Leeds or Bradford though Bradford is affordable but Leeds is more developed and demographically balanced than Bradford,

Leeds is also ahead in terms of job and life in general and it has a good transport network hub and share an airport with Bradford.

About 45mins away from Manchester though a bit far to London

7barz:
Hi @thegurus

I am lost on what to do...

My husband and I have both studied and lived in the UK some years back before moving back to Nigeria 4 years ago before our visa expired. However, we are both coming back to the UK in September for his PhD studies while I come on as a dependent.

I do not know how to say this but I have to. During my stay, i took an unsecured loan and credit card loan from a UK bank and I didn't pay it off before I left the UK and I totally forgot about it while in Nigeria. i recently logged into my UK bank account this week and I saw the deficits. There was no official mail from the bank during the years I was in Nigeria so I wasn't in the know. Although i should have remembered that I didn't complete the payment so it's all my fault.

I tried to access my credit score and as expected, it has been impacted and I observed that the money has been passed off to a collection agency.

I would like to know if

1. I can contact the collection agency and find a way to pay off the deficits or have some kind of a structured repayment plan.

2. As my husband and I are both coming to the UK this September, can this affect us from securing accommodation in the future, especially when they do a credit check on our documents?

I would really appreciate your response and I do hope to be able to clean up this mess I created.

7barz:
Hi @thegurus

I am lost on what to do...

My husband and I have both studied and lived in the UK some years back before moving back to Nigeria 4 years ago before our visa expired. However, we are both coming back to the UK in September for his PhD studies while I come on as a dependent.

I do not know how to say this but I have to. During my stay, i took an unsecured loan and credit card loan from a UK bank and I didn't pay it off before I left the UK and I totally forgot about it while in Nigeria. i recently logged into my UK bank account this week and I saw the deficits. There was no official mail from the bank during the years I was in Nigeria so I wasn't in the know. Although i should have remembered that I didn't complete the payment so it's all my fault.

I tried to access my credit score and as expected, it has been impacted and I observed that the money has been passed off to a collection agency.

I would like to know if

1. I can contact the collection agency and find a way to pay off the deficits or have some kind of a structured repayment plan.

2. As my husband and I are both coming to the UK this September, can this affect us from securing accommodation in the future, especially when they do a credit check on our documents?

I would really appreciate your response and I do hope to be able to clean up this mess I created.

lightest:



Thank u so much as I will be sharing ur view with my wife.

If na Nigeria ni, my answer would have being NO

lightest:


Thank u so much, I will search more on Leeds. Hope one can train kids peacefully there.

7barz:
Hi @thegurus

I am lost on what to do...

My husband and I have both studied and lived in the UK some years back before moving back to Nigeria 4 years ago before our visa expired. However, we are both coming back to the UK in September for his PhD studies while I come on as a dependent.

I do not know how to say this but I have to. During my stay, i took an unsecured loan and credit card loan from a UK bank and I didn't pay it off before I left the UK and I totally forgot about it while in Nigeria. i recently logged into my UK bank account this week and I saw the deficits. There was no official mail from the bank during the years I was in Nigeria so I wasn't in the know. Although i should have remembered that I didn't complete the payment so it's all my fault.

I tried to access my credit score and as expected, it has been impacted and I observed that the money has been passed off to a collection agency.

I would like to know if

1. I can contact the collection agency and find a way to pay off the deficits or have some kind of a structured repayment plan.

2. As my husband and I are both coming to the UK this September, can this affect us from securing accommodation in the future, especially when they do a credit check on our documents?

I would really appreciate your response and I do hope to be able to clean up this mess I created.

7barz:
Hi @thegurus

I am lost on what to do...

My husband and I have both studied and lived in the UK some years back before moving back to Nigeria 4 years ago before our visa expired. However, we are both coming back to the UK in September for his PhD studies while I come on as a dependent.

I do not know how to say this but I have to. During my stay, i took an unsecured loan and credit card loan from a UK bank and I didn't pay it off before I left the UK and I totally forgot about it while in Nigeria. i recently logged into my UK bank account this week and I saw the deficits. There was no official mail from the bank during the years I was in Nigeria so I wasn't in the know. Although i should have remembered that I didn't complete the payment so it's all my fault.

I tried to access my credit score and as expected, it has been impacted and I observed that the money has been passed off to a collection agency.

I would like to know if

1. I can contact the collection agency and find a way to pay off the deficits or have some kind of a structured repayment plan.

2. As my husband and I are both coming to the UK this September, can this affect us from securing accommodation in the future, especially when they do a credit check on our documents?

I would really appreciate your response and I do hope to be able to clean up this mess I created.

7barz:
Hi @thegurus

I am lost on what to do...

My husband and I have both studied and lived in the UK some years back before moving back to Nigeria 4 years ago before our visa expired. However, we are both coming back to the UK in September for his PhD studies while I come on as a dependent.

I do not know how to say this but I have to. During my stay, i took an unsecured loan and credit card loan from a UK bank and I didn't pay it off before I left the UK and I totally forgot about it while in Nigeria. i recently logged into my UK bank account this week and I saw the deficits. There was no official mail from the bank during the years I was in Nigeria so I wasn't in the know. Although i should have remembered that I didn't complete the payment so it's all my fault.

I tried to access my credit score and as expected, it has been impacted and I observed that the money has been passed off to a collection agency.

I would like to know if

1. I can contact the collection agency and find a way to pay off the deficits or have some kind of a structured repayment plan.

2. As my husband and I are both coming to the UK this September, can this affect us from securing accommodation in the future, especially when they do a credit check on our documents?

I would really appreciate your response and I do hope to be able to clean up this mess I created.

KOVIC19COVID20:


You wanted the bank to send you official mail to your Nigeria address?

I would contact the debt collection agency, agree on a repayment plan. And take it from there.

7barz:
Hi @thegurus

I am lost on what to do...

My husband and I have both studied and lived in the UK some years back before moving back to Nigeria 4 years ago before our visa expired. However, we are both coming back to the UK in September for his PhD studies while I come on as a dependent.

I do not know how to say this but I have to. During my stay, i took an unsecured loan and credit card loan from a UK bank and I didn't pay it off before I left the UK and I totally forgot about it while in Nigeria. i recently logged into my UK bank account this week and I saw the deficits. There was no official mail from the bank during the years I was in Nigeria so I wasn't in the know. Although i should have remembered that I didn't complete the payment so it's all my fault.

I tried to access my credit score and as expected, it has been impacted and I observed that the money has been passed off to a collection agency.

I would like to know if

1. I can contact the collection agency and find a way to pay off the deficits or have some kind of a structured repayment plan.

2. As my husband and I are both coming to the UK this September, can this affect us from securing accommodation in the future, especially when they do a credit check on our documents?

I would really appreciate your response and I do hope to be able to clean up this mess I created.

Ilekokonit:


Kikiki. Apart from a touch of diarrhea,how would this affect me?

For some it helps reshape thinking but interview secured visas and the stock of Nigerians in the UK kept getting degraded and he heard the owner on the phone with her jazz man in Nigeria asking him what amount of the "stuff" he gave her she should put into the soup. Luckily for us, that restaurant has also closed down now.

So, the moral of the story is that you may actually find more decent people in Nigeria than some Nigerians living in the UK.

wealthtrak:

But I disagree with you demonising other people's religious beliefs.

icon8:


Whatever you do, avoid any financial connection with your husband, so as not to mess up his own credit rating as well. Like others have said, make the necessary arrangements to settle your debt when you return to the country, while you rely on your husband to apply for any credit products, rent, etc., until your own rating is back on track.

TheGuyFromHR:


When walking down the road and you see a black guy in a vehicle of 3,000 cc and above, they're most likely to be a Nigerian.
Where two or three Nigerians previously unknown to each other are gathered in the abroad, the conversational icebreakers are football, then cars.

7barz:
Hi @thegurus

I am lost on what to do...

My husband and I have both studied and lived in the UK some years back before moving back to Nigeria 4 years ago before our visa expired. However, we are both coming back to the UK in September for his PhD studies while I come on as a dependent.

I do not know how to say this but I have to. During my stay, i took an unsecured loan and credit card loan from a UK bank and I didn't pay it off before I left the UK and I totally forgot about it while in Nigeria. i recently logged into my UK bank account this week and I saw the deficits. There was no official mail from the bank during the years I was in Nigeria so I wasn't in the know. Although i should have remembered that I didn't complete the payment so it's all my fault.

I tried to access my credit score and as expected, it has been impacted and I observed that the money has been passed off to a collection agency.

I would like to know if

1. I can contact the collection agency and find a way to pay off the deficits or have some kind of a structured repayment plan.

2. As my husband and I are both coming to the UK this September, can this affect us from securing accommodation in the future, especially when they do a credit check on our documents?

I would really appreciate your response and I do hope to be able to clean up this mess I created.

Lexusgs430:



Let's hope, he also did not forget his loans and credit cards.......

dustydee:

Perhaps she meant to say she hoped the bank and credit card company forgot about the loan.
I once told a friend in my school to respect the 20hr work restriction so he is not caught, which might jeopardise his chance of getting a visa should he choose to continue his education. He said he will not comeback to the UK to study so he didn't care. Fortunately he wasn't caught but he came back a year or two later to further his education. Never say never. For some, they go back home thinking they will not return and then their jobs back home decides to send them back either for training or assignment. That's when the "had I known" cry begins.
Hopefully this lady and her husband have enough to clear the debt and move on with their lives.

Ilekokonit:


Ok let me clarify my thinking.

There are Nigerian restaurants in London whose owners put stuff from one "baba" in Nigeria in the food they sell to innocent Nigerians as an acquaintance once walked in on a woman who owns a restaurant we used to go to when the woman was on the phone to the "baba" in Nigeria asking how much of the stuff "baba" gave her she should put into the soup she is selling to the public.

I heard of a woman who took her huge British telecom phone bill to a White Garment pastor for consultations and prayers so that BT will reduce or forget about the bill and there are White Garment pastors in London who pray for fraudsters so that they will not be caught and i know a Bros in London who before he got married sent the prospective babes photographs to his brother in Nigeria asking him to consult 5 Babalawo's, 5 Imams and 5 pastors for "prayers" to see which of the babes is his future wife and the same bros said he once went onto London bridge in the dead of the night to take a "recommended" spiritual bath washing himself from head to toe with water and the old Nigerian 5 kobo (called sisi) on top of London bridge in the dead of the night.

Some of the Naija women in Manchester when they fall out and start recording slander videos against one another also expose what some of them get up to in Manchester and there is one who accused her erstwhile friend who is a caterer of putting the food she is selling to order into her bath, stripping off all her clothes, stand in the bath over the food and washing her privates over the food before then cooking it and delivering the order to the Nigerian who ordered the food for his or her party. I don't know if this one is true but this is from a beef video they recorded when the fell out and the video is most likely still on Youtube but i can't remember which one it is now.

So, these are just some of the things I've seen and heard in London in my time here and you just never know if that so called friend (old ones or new ones) is putting stuff into your food or drink when you go visiting them and the best thing to do in such instances is to make such friends know that you don't subscribe to fetishness or consulting sooth sayers and in any case such friendships can not stand the test of time unless you also believe in consulting sooth sayers.

So, its the fetishness some Nigerians abroad indulge in that i am calling out. If you visit a lot of barber shops and Naija restaurants / beer parlours in areas of London densely populated with Nigerians, sit down and just spend some time listening to people, you will marvel at what some Nigerians in London get up to and all indications are that Nigerians in manchester and Ireland are probably worse than the ones in london.

I hear and see a lot of things as Nigerian restaurants and Beer Parlors used to be like a second home to me[i] (and probably still is) [/i] as I've not cooked since I came back from Naija in 2008 and because I work very long hours and don't have my first meal until after work, I spend quite a lot of time in Nigerian Restaurants over the past 13 years and some of the things I've seen and heard about Nigerians in London is better left imagined and being that London never really used to be like this 20 something years ago, I'm always comparing and contrasting the Nigerians in London then versus some of the ones I meet now.

Lexusgs430:



Let's hope, he also did not forget his loans and credit cards.......

claremont:


You can choose to pay off the debt OR you can wait till 6 years after the default is registered on your credit report for it to drop off automatically.

icon8:


That would be termed “gobe” or “double wahala for dedi bodi”

icon8:


This one off me