have you been debited now


[quote author=gidi2014 post=117229848]Good day please does anyone knows how GTbank FormA school Fee process works. after the ADB reviewer and also ADB supervisor. Am still at ADB disbursement Reviewer for over 5weeks. But I notice the said amount was locked out of my available balance for more than 3weeks only for the money to be released back to my available balance. I have still not been debited and also still at the Disbursement reviewer [/quote

has this been resolved now? I am in a similar situation

jennieokafor:
Hello everyone,

I applied for the tier 4 student visa, I am the main applicant and my husband is my dependent. Today marks exactly 1 month/22 working days we did our biometrics and our application is still at the DMC.

On the 16th of August which was a day to the 15 days standard time they sent my husband an empty NSF email. Empty in the sense that they did not state what was needed or if they required any documents, they just said the application has not been straightforward and that they will reach out to ask if they need anything more from him.

We have since done several paid calls and emails, they escalated the application on Monday the 22nd and said it takes 15 working days for the admin team to respond to escalations. For the paid emails, they responded to mine by asking for our details which I sent and got radio silence for days now, then they responded to my husband’s own by saying the application is still awaiting a decision.

Someone that did same day as us already got their visa.

Please what can I do?

My flight is first week of September and I can’t afford for this delay to extend.

Please help if you know what I can do.

Thank you.

Anyone received CAS from university of Northampton for September intake?

Happyfellow147:
Have they started giving admission?
Called them two weeks ago and they said they just finished with May batch

I believe so cos I got a conditional offer

Hospitable:
I got unconditional offer. Still trying to pay my deposit. Have you paid your deposit?

I got conditional offer after which I fulfilled all the conditions but I have heard from them till date

Any university of Northampton student here? Is CAS out for September batch?

interesting

Ticha:
Thought I'd answer the questions in a general post

We started off with buying a 2 bedroom flat in Bristol - as our first home. We'd used all of our savings for the deposit but wanted to save up again so rented one room out to a Mon - Fri boarder. We also made some lifestyle changes - sold our 2nd car (we had 1 each), husband started cycling to work (50 mins each way) and I started taking public transport. It turned out the rent from the boarder not only paid all our bills but also covered our basic food costs. By the end of that year, we had saved quite a bit. We then both changed jobs, got paid more and decided to buy a proper family home. It turned out we had some good equity (thanks to rising house prices) in the flat and with our savings, we could afford to buy a bigger house, went to see a broker who also turned out to be a property investor and that's how our property journey started.

Thanks to his advice, we didn't sell the flat but rented it out and bought the biggest house we could afford close to transport facilities. We rented out 3 rooms and kept 2 rooms for ourselves. The rent from the 3 people paid the whole mortgage, bills and covered our food cost so we basically saved all our wages for about 18 months. We then moved to Norfolk - sold the family home and bought 2 houses in one go as we had more than enough equity to put down 2 deposits and even had change left over thanks to the equity from the sale. One in Bristol that we rented out straight away and a complete derelict house for our family home in Norfolk which we completely renovated but before we could move in, my husband got offered a transfer to New Zealand so we rented that one out and shipped out to New Zealand.

Because property is a long game, we have leveraged - so that first flat we bought in 2010 has appreciated so much we took out a deposit out of it to buy a fourth house 2 years ago as well as transferred some to New Zealand to buy our first home here too. This year, we leveraged the New Zealand house by demolishing it and building 2 new houses on the site, re-valued the 2 new ones, rented them out and bought a family home. Again, we have bought a slight larger house and airbnb 2 rooms which has a Jack and Jill bathroom and all the money from there goes into overpaying the mortgage.

The one thing we have done which is not advisable if you want to grow property quickly is that we have left all the mortgages on repayments rather than interest only cos we have also kept our full time jobs as we have no need for the income from the properties to live on now. Our plan is to semi- retire when at 50. That's 7 years away so we're making tracks to achieve that and that involves having at least 2 houses mortgage free.

We're now partnering with another couple - we've joined resources, bought a house sitting on a big plot of land and will demolish that to build 5 houses next year. We've got to the point where we can't service a new mortgage anymore because even if the house pays for itself, banks will still take your incomes into consideration for servicing so a joint venture is the way forward for now.

You do need a deposit and a reasonable credit rating - the higher the deposit, the better the interest rate and the better your credit rating, the better the interest rates as well. You also need to have a good handle on your spending as banks will usually go through your statements with a fine toothcomb. Clean your account up for 3 months before applying for a mortgage. Pay down any unsecured credit, stay away from pay day loans etc.

I have a spreadsheet for calculating if the property works financially or not. For a house you want to live in, most banks will consider 3x income and some even 4x income. Then stress test at around 5% even if interest rates are currently very very low. For a BTL mortgage, you need at least a 20% deposit, a minimum income of 25k (2 banks don't bother about minimum income but their interest rates are quite high), they expect the rent to be 125% of the mortgage payments (interest only so there's lots of wriggle room) but you need to factor solicitor costs, stamp duty of 3%-15% (compulsory on all second homes and 0% on first homes under 125k), mortgage fees, broker fees (you can get a free broker though) and survey fees.

So for a purchase of 100k, you need a 20k deposit, 3k for stamp duty, 600 ish for solicitor, 250/300 for survey costs, usually about 999 for the mortgage application fee and the rent has to be at least 375 a month for a BTL.

For your own home, a 10% deposit will do and with the new government schemes, you can even use a 5% deposit. Plus the additional costs of an owner occupier home is lower - solicitor, stamp duty if buying above 125k are the only extra costs.

Thanks to that first mortgage broker who opened our eyes to the possibilities of what we could do and achieve and for guiding us all the way through and pushing us forward even when we were hesitant.

Hope that helps.

Use green leaf

Anyone has land for sale in westpark oleyo?

how do u set up sim lock on samsung galaxy?

onyi2k:
I got the job via LinkedIn. A recruiter reached out to me and asked me if I would like to work remotely for 2000Eur per month? I said yes but after the interview, The decided to increase my salary and said they want me to come over.

Na so oo

did you use linkedin pro?

for Manitoba PNP, who knows what documents are required to show proof of friendship for the manitoba support . How do you proof you are friends with the Manitoba Resident supporting you.?

AF Lagos TEF exams are now 160k!

It's now 190k

Who can recommend a French tutor in Ibadan, not online. With flexible timing cos of my work. I am a beginner

Good afternoon, Does any one have an idea of how i can fastrack my transcript form Lautech.

Estate land( like adrons home,revolution plus e.t.c ) is just the best. might be more expensive but usually no issues.

pray this gets resolved quickly

definitely my parents

M back to original whatsap...gbwhatsap has ban me tire. Miss downloading status though

I am an infinix fan but I just swapped my infinix hot 6x for Samsung Galaxy A30. Not much difference really except for the memory size. Battery life seems Ok for now.
Main thing to note is that the Charger is different from the regular charger. you won't be able to share charger except with a Samsung galaxy A series user

i knew it

How much

nice

Dlastprophet:


I was a victim back then in 2016. February to be precise. He used one thug popularly known as 'femi baale' to perpetrate such evil. All cries to the governor for rescue fell on deaf ears. Fele, oyo state cp and ajimobi all knew about it. Till now, those thugs still wander freely around idi-ahun and banuso area disturbing site workers

I am still a victim ooo, I got a land at idi-ahun in 2013. Wahala started in 2015.This fele show us pepper, sold our land and said we have to buy the land back from him again. Femi baale was his thug. We bought it back ooo.
And they sold the land again. I had to give up cos I value my life more

2004 Camry indeed

I don't get why people hide price. its common sense to post price and location, that way only people that can afford it will chat used d up.

hmmmmm....marriage sha

chriskosherbal:
This wOman is beautiful.

There is something about her that so unique.

It's in front of her

the smile got me so I will go for A

if you have any valid ID card i.e driver's license, voters card, international passport or national ID card.and the name on the card tallies with what you registered on your BVN, give the sender the name exactly as it appears on the ID card.
You can visit any Wema Bank branch to receive the transaction with your ID card and BVN

there is still hope for me to study medicine and surgery then

is that how argument on football matter hook u reach? you need to calm down . imagine if you had slapped a fellow guy like you, that one will just break bottle on ur head and before you know it your story will be on all d blogs.
keep apologising to your mum. try not to involved external/extended family and friends as she would be more embarrassed. Just keep it within the immediate family. be sure though even if she forgives, she won't forget