Lexusgs430:



Have you accepted and signed, this new tenancy agreement....

Have you raised this inconsistency with your LL/EA ........

bigtt76:
Yes I'm aware in exchange for the service they offer to help build your credit as a new migrant, its ok by me.

Tinyemeka:


I was never aware of that despite spending days going through their website and being informed that there was no charge for their basic plan.

I only became aware after signing up and seeing the £2.50 charge to my account for "membership fee", which I was never informed about before. I took that in good faith as I assumed that to be a one-off charge, but was shocked to see another charge a week later.

For a "new migrant", do you think that paying an extra £10 every month is a reasonable expense just for the sake of building credit scores, when there are other expenses and bills to be taken care of?

NevaUgivup:
You can opt for the basic plan with Loqbox and it is free.
If you joined Loqbox recently and have been charged £2.50 you can downgrade to the free service and your £2.50 will be refunded

Lexusgs430:



Have you accepted and signed, this new tenancy agreement....

Have you raised this inconsistency with your LL/EA ........

bigtt76:
Well ...how else do you build your credit history when no one is ready to give you a credit card? This is more like a stop-gap approach to it. Besides they also report your rent paid as part of the package and at the end of it all, you get back your savings.

Tinyemeka:


I deliberately signed up only for the Basic membership ab initio, so you can imagine my surprise when I started seeing the weekly membership charges to my account.

I have written to them to reverse the charges and revert me back to the Basic membership that I signed up for. Currently awaiting their response.

Thanks. 🙏
.

Solumtoya:


TCL on ao dot com

Regex:


He can't have it both ways. Either he leaves, accepts the £25 increment for 12 months or the £50 being on the statuary.

Regex:


He can't have it both ways. Either he leaves, accepts the £25 increment for 12 months or the £50 being on the statuary.

AgentXxx:
Elders in the house, Any effect to someone who is has been shopping with different banks due the switching fee I.e purposely create a bank and switch to another in less than a month for a fee . Hope it has no long term effect.

Thanks.

Teebaa:
Please folks in the Uk that are into IT.

How do you see the prospect of learning cybersecurity with Itcareer switch?

Seriously on the lookout for a UK experience /internship in an IT course.

I am an entry level data analyst without any UK real project yet and no jobs being offered except data entry roles with very low pay.

Data analysis trainings are quite expensive and i do not consider High Impact career trainings ideal for a UK experience.

Edakun help

tshoboy:
I think a lot of us are also hasty to have good credit score. You just have to be patient and follow all the advice shared by others here they doesn’t involve you paying money.
Ideally give it time before applying for credit cards. I see some people who are trying to apply for CC after 2 months. Patience, patience, patience and things will come through.

Tinyemeka:


I used your referral link to sign-up to CreditLadder to be reporting my rent payments and I am not being charged a dime for that service.

£120 a year as extra charge to hold my deposit just to build my credit by Loqbox, in my personal opinion is too high a price to pay. I don't know about others in a similar position.

And that charge was being deducted without pre-information, my permission or consent.

NevaUgivup:
I agree with you that Loqbox were being shady with the £2.50 weekly charge. That's a lot of money and they were not open about it.

If you want to downgrade your membership:
Log in and go to the ‘Account’ section
Click Membership, Manage my Membership, Choose a different Membership plan, select
Loqbox Lite and continue.

You'll be refunded your £5

koonbey:


Absolutely not worth it.

People seem to be obsessing too much on this credit building thing without realising that those scores are merely approximations that don't really matter when you're applying for stuff. No lender approves you based on your score at Credit Karma or wherever - they have their own algorithms that factor all the different elements of your credit history, and they don't share that with anyone, not even the credit rating websites.

The fundamentals are time and consistency in clearing your debts. And there's no need to rush it. Using that 10 per month for a phone contract will be a much better investment. Pay your cards down, pay your bills on time, register to vote, and give it time.

Unless you're rushing to get a credit card with a huge limit, in which case you're probably setting yourself up for trouble.

Lexusgs430:


Each account you open, is recorded with credit reference agencies.........

Do you want further explanation on impact........🤪

koonbey:


Absolutely not worth it.

People seem to be obsessing too much on this credit building thing without realising that those scores are merely approximations that don't really matter when you're applying for stuff. No lender approves you based on your score at Credit Karma or wherever - they have their own algorithms that factor all the different elements of your credit history, and they don't share that with anyone, not even the credit rating websites.

Chreze:


Cybersecurity (security) is more of PASSION. You can get real security trainings and experience without paying anyone a dime. The only requirement for this is PASSION and time.

My advice is look at cyber security analyst Job descriptions ( with interest in tools you are expected to have skills in), go to YouTube, search for introduction videos to those tools. Learn from people who use these tools daily. Spend time on them.

Real example, Qualys and Splunk are two good tools used in the security space. Go to YouTube watch videos on intro to Splunk and Qualys. You will get videos from the companies directly on YouTube. After this, head straight to their website (Qualys and Splunk). Register and get a free account. This account will give you access to fundamental courses (free) to their tool usage. You will get lab sessions with access to their environments and do real life exercises/experiments. You will get certification after successfully completing the courses. Build your knowledge and security thinking skills. As you progress in this you will find out more useful learning techniques/ideas (like using virtual box for security exercises).

After that stage, jump on videos on YouTube to learn cybersecurity interview questions and answers. Again, multiple videos on YouTube for security analyst interview question and answer. When making searches, start with cyber security as key word. Then progress to searching “security analysts”. Security Analyst search will combine “information security”, “cybersecurity” and general security architecture results. Here you get knowledge about DLP tools, how to configure security tools and how they are used.

All of this can only be achieved thru PASSION. If you have done all of this, you can contact me later and I will schedule a google chat interview with you. Please note that the interview is not to give you job, but to help you prepare for interview with real security managers and boost your confidence.

I have had interview with managers who care about certification and I have had interview with manager who don’t care, they just want to know you are sound. They can tell if you know your onion from just security chats.

Stay blessed.

PS: if your passion is being data analysts, apply same process (starting with job description and tools, etc etc). I have only shared security cos that’s my area.

AgentXxx:


Yes please help with further explanation on the impact and am still confused since it’s always a switch not borrowing credit or closing an account.

Regex:


He can't have it both ways. Either he leaves, accepts the £25 increment for 12 months or the £50 being on the statuary.

Lexusgs430:



A room for negotiation is always available, wiggle room or compromise........

If you don't ask...... You don't get .....😂

Lexusgs430:


If I keep coming to your house, and switching one light off and turning on another........

Would/won't you start wandering what I am up to ..........😂🤪

mizGene:


I learnt this lesson many years ago after I asked (because I was broke) for a discount on my tuition fees and they gave me almost 40% off🤑. I realised I only asked as that was the only option I had, if I had the cash I wouldn't have asked.
Since then I negotiate every and anything.. just saved over 200pounds on my car insurance last week by negotiating with my provider...

DaveChapelle:
hmmn🤔🤔🤔. How'd you manage that? Was that on annual renewal? Or even after comparison sites?

Strata1716:


Hello dear , yes please. I am still looking for a child minder or low key nursery setting . Preferably around BEESTON Leeds. My email is chiumeaka@gmail.com

Hello, I know a babysitter. can you share your email so I can send to her for her to contact you?

DaveChapelle:

Oga Lexus, how market... Remember me? Mr Juke. How's your CHR?

mizGene:


I learnt this lesson many years ago after I asked (because I was broke) for a discount on my tuition fees and they gave me almost 40% off🤑. I realised I only asked as that was the only option I had, if I had the cash I wouldn't have asked.
Since then I negotiate every and anything.. just saved over 200pounds on my car insurance last week by negotiating with my provider...